Terms of Service
Effective October 1, 2026
These terms are the agreement between you and Mastro ("we", "us") for using Mastro at app.mastroledger.com (the "Service"). They are also the end-user license agreement for the Service, including its QuickBooks and bank connections. If you use the Service for a firm or a business, you agree to these terms for it and confirm you're authorized to.
1. The Service
Mastro is bookkeeping software: a general ledger, bank and card feeds, categorization rules, reconciliation, month-end close, reports, and a client portal. We grant you a limited, non-exclusive, non-transferable right to use the Service under these terms, for as long as you're permitted to. Mastro is a tool. It does not provide accounting, tax, or legal advice, and the firm keeping a business's books remains responsible for the professional work it does with the Service, including reviewing transactions, reconciling accounts, and the reports it relies on. The Service is in early access, and features may change.
2. Accounts
Give accurate information and keep your sign-in methods secure, including access to your email and your authenticator app. Firm owners and admins are responsible for the people they invite and the roles they give them, and for removing people who should no longer have access. Tell us right away at support@mastroledger.com if you suspect someone has gotten into your account.
3. Your data
You keep all rights to the information you and your clients put into the Service. You give us permission to host, process, copy, and display it only as needed to provide the Service and as described in our Privacy Policy. You're responsible for having the right to provide it; for example, a firm must be authorized by its clients to keep their books here and to connect their bank and QuickBooks accounts. You can export your reports, general ledger, and documents at any time.
4. Bank and QuickBooks connections
Bank connections are provided through Plaid Inc. and QuickBooks connections through Intuit Inc., and their own terms apply to your use of them. By connecting an account, you authorize us to access its information as described in our Privacy Policy. We're not responsible for those services, their availability, or the accuracy of the data they provide. You can disconnect either one at any time.
5. Acceptable use
You agree not to:
- use the Service for anything unlawful, or for data you have no right to use;
- try to see or change another customer's data, or get around the Service's security or limits;
- upload malicious software, or disrupt or overload the Service;
- copy, resell, or reverse engineer the Service, except where the law allows it despite this restriction.
6. Fees
Fees, if any, are as agreed with you in writing. During early access we may provide the Service at no charge. If agreed fees go unpaid, we may suspend the Service after notice.
7. Suspension and termination
You can stop using the Service at any time. We may suspend or end access for a breach of these terms, or to protect the Service or other customers, and will give notice when we reasonably can. When a firm's use ends, it can export its data first; on request we then delete it as described in the Privacy Policy.
8. Changes
We may update the Service and these terms. We'll post changes to these terms on this page and update the effective date, and for significant changes we'll email the firms using the Service before they take effect. Continuing to use the Service after a change means you accept it.
9. Disclaimers
The Service is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don't promise the Service will be uninterrupted or error-free.
10. Limitation of liability
To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data, and our total liability for any claim relating to the Service is limited to the fees you paid us for it in the 12 months before the claim, or $100 if you paid nothing.
11. Indemnity
You'll defend and indemnify us against third-party claims arising from information you provide without the right to, or from your breach of these terms.
12. General
These terms, together with any written agreement with you about fees, are the whole agreement about the Service. If part of them can't be enforced, the rest still applies. Not enforcing a term isn't a waiver of it. You can't transfer these terms without our consent; we can transfer them as part of a merger or sale of the business.