Terms of Service

These terms are between Ghumman Advisory Group Ltd., a company incorporated in Alberta, Canada, and the business engaging us (“you”). Using Ghumman Advisory Books means agreeing to them.

Where you have a separate written engagement letter with us, that letter governs the bookkeeping services themselves. These terms cover the software.

Ghumman Advisory Books brings your transactions together from your accounting system, your bank statements or an account-aggregation provider, proposes how each one should be categorised, and presents those proposals to a person for review.

It is a working layer, not your books. Where you use QuickBooks Online, QuickBooks remains the official record. Nothing here replaces it.

This is the section worth reading twice.

• It is not a substitute for professional judgment. Categorisation suggestions are proposals. A qualified person reviews them, and that review — not the software — is what makes an entry correct.
• It does not guarantee accuracy. Automated categorisation is probabilistic and will be wrong sometimes. That is why nothing posts without review.
• It is not tax advice. GST treatment, deductibility and the tax consequences of any transaction are matters for professional advice, which we provide separately under an engagement letter if you have one with us.
• It does not file anything. Returns and remittances are not made by this software.

• Giving us accurate and complete information, and telling us when something changes.
• Having the authority to connect any accounting or banking service you connect, and to share the records in it.
• Reviewing what we produce. You remain responsible for your own books and filings.
• Keeping your sign-in credentials to yourself, and telling us promptly if an account should no longer have access.

Connecting QuickBooks Online, or an account-aggregation provider, creates a relationship between you and that provider under their own terms. We act on the permission you grant, and nothing more.

You can withdraw that permission at any time, from our software or from the provider. Doing so stops further access immediately. Records already brought across remain part of your books.

Your records are yours. We do not sell them, and we do not use them for any purpose other than providing this service to you.

How we handle information is set out in our Privacy Policy, which forms part of these terms.

We aim to keep the software available and working, but we do not promise it will be uninterrupted or error-free. Maintenance, third-party outages and faults happen. Where a provider we depend on is unavailable — your accounting system, for instance — parts of the service will be unavailable with it.

Either of us may end this agreement on reasonable notice. Where we end it, we will give you enough notice to move your records.

You can take your books with you. Your records remain in your own accounting system throughout, and we will provide an export of anything held here on request. We keep what the Income Tax Act and Excise Tax Act require us to keep, for the six years those Acts specify, and nothing beyond that.

Nothing in these terms limits liability for anything that cannot lawfully be limited, including fraud, or death or personal injury caused by negligence.

Subject to that, our total liability arising out of this agreement is limited to the fees you paid us in the twelve months before the claim arose, and we are not liable for lost profits, lost revenue, or indirect or consequential loss.

This limit does not reduce whatever professional obligations we owe you under a separate engagement letter.

We may change these terms. Where a change materially affects you, we will tell you before it takes effect. Continuing to use the software after that means accepting the change.

These terms are governed by the laws of Alberta, Canada, and the courts of that province have exclusive jurisdiction.