Legal
Please read these Terms of Service carefully before using MSPA Money. By creating an account or using the platform, you agree to be bound by these terms. If you do not agree, do not use the platform.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and MSPA Money LLC ("MSPA Money," "we," "us," or "our") governing your use of the MSPA Money financial intelligence platform, including the web application at app.mspamoney.com and all related services (the "Platform").
By registering for an account, connecting your financial accounts, or otherwise accessing the Platform, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy.
MSPA Money provides a financial intelligence platform designed for medical spa business owners. The Platform includes:
To use the Platform, you must create an account. You agree to:
You must be at least 18 years old and have the legal authority to enter into this agreement on behalf of your business to use the Platform.
Monthly Subscription: Access to the Platform is billed monthly at the rate displayed at the time of purchase. Subscriptions automatically renew each month unless cancelled.
Onboarding Fee: A one-time onboarding fee is charged at signup to cover chart of accounts installation and initial bookkeeping setup. This fee is non-refundable once onboarding work has commenced.
Founding Member Pricing: Founding Member rates are locked for the life of your subscription provided your account remains active and in good standing. Cancellation forfeits the Founding Member rate.
Payment Processing: All payments are processed by Stripe. By providing payment information, you authorize us to charge your payment method for all fees incurred.
Failed Payments: If a payment fails, we will attempt to notify you. Access may be suspended after 7 days of non-payment. Accounts suspended for more than 30 days may be terminated.
Cancellation: You may cancel your subscription at any time through the Platform settings or by contacting us. Cancellation takes effect at the end of the current billing period. We do not provide prorated refunds for partial months.
By connecting your QuickBooks Online account, you:
By connecting bank accounts via Plaid, you authorize MSPA Money to retrieve balance and transaction data for display within the Platform. You can disconnect bank accounts at any time through the Platform settings.
Monthly bookkeeping reconciliation is included in your subscription. You acknowledge that:
Important: The financial analysis, benchmarks, action plans, and coaching insights provided by MSPA Money are for informational purposes only and do not constitute financial advice, accounting advice, tax advice, or legal advice. Always consult with a qualified CPA, financial advisor, or attorney before making significant business decisions.
MSPA Money provides tools and analysis to help you understand your financial data. We are not a licensed financial advisor, CPA, or legal professional. Benchmark comparisons are based on industry data and may not be appropriate for your specific situation.
You agree not to:
The Platform, including its software, design, benchmarking methodology, chart of accounts templates, coaching frameworks, and all related content, is owned by MSPA Money LLC and protected by applicable intellectual property laws.
You retain ownership of your financial data. By using the Platform, you grant MSPA Money a limited license to process your financial data solely for the purpose of providing the services described in these Terms.
We may use aggregated, anonymized data (with no individually identifiable information) to improve our benchmarks, product features, and industry analysis.
We implement industry-standard security measures to protect your data. However, we cannot guarantee uninterrupted availability or absolute security. You acknowledge that:
To the maximum extent permitted by applicable law, MSPA Money shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising from your use of or inability to use the Platform.
MSPA Money's total liability for any claim arising out of or related to these Terms or the Platform shall not exceed the total amount you paid to MSPA Money in the three months preceding the claim.
You agree to indemnify and hold harmless MSPA Money, its officers, directors, employees, and contractors from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Platform, your violation of these Terms, or your violation of any third-party rights.
We may suspend or terminate your account at our discretion if you:
Upon termination, your access to the Platform is revoked. We will retain your data for 90 days following termination to allow for data export requests, after which it will be permanently deleted.
We may modify these Terms at any time. We will provide at least 30 days' notice of material changes via email and by posting updated Terms on this page. Continued use of the Platform after the effective date of changes constitutes acceptance.
These Terms are governed by the laws of the State of Washington, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in King County, Washington, except that either party may seek injunctive relief in any court of competent jurisdiction.
For questions about these Terms: