1. Agreement and the Service
These Terms of Service (the "Terms") are an agreement between you and Shorecliffs Capital LLC, which owns and operates ZumaReports.com ("Zuma Reports," "we," "us") governing your use of zumareports.com and the Zuma Reports financial reporting and dashboard services (the "Service"). By creating an account, subscribing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Effective Date: October 1, 2026
Eligibility. You must be at least 18 years old and able to form a binding contract. If you sign up on behalf of a business or accounting firm, you confirm that you have authority to bind it, and "you" includes that business.
The Service. Zuma Reports connects to your clients' accounting data, including data from QuickBooks Online, and presents it as dashboards and reports. We may add, change, or remove features over time. We do not guarantee that any particular feature will always be available.
2. Accounts and Authorized Use
Your account. You must give accurate information and keep your login credentials secure. You are responsible for all activity under your account. Tell us promptly at support@zumareports.com if you suspect unauthorized access.
Accounting firms and their clients. If you are an accounting firm using Zuma Reports for your clients, you are responsible for (a) having your clients' permission to connect their data and deliver reports to them, (b) the accuracy of the instructions and settings you give us, and (c) your clients' use of any access you provide them. Your relationship with your clients is yours; we are not a party to it.
Authorization to access data. You represent that you have the legal right to connect each accounting system or data source you link to the Service, and you authorize us to access and process that data to provide the Service. You can revoke this authorization at any time by disconnecting the integration, though the Service will stop working for that data.
3. Fees, Billing, and Cancellation
Fees. The Service is billed as a subscription. There is a Platform Access Fee charged to each Service Provider account. Each Client of the Service Provider pays a monthly Subscription Fee for a Client Portal and dashboards. The Prices may change; we will give you at least 30 days' notice before a change applies to your subscription.
Recurring billing. By subscribing, you authorize us and our payment processor, Stripe, to charge your payment method on the date you sign up and again each month until you cancel. You agree to keep your payment information current. We do not store your full card number; Stripe handles it under its own terms.
Failed payments. If a payment fails, we may retry it, notify you, and suspend or terminate access until the balance is paid.
Cancellation. You can cancel at any time by contacting support@zumareports.com or through your account if that option is available. Cancellation takes effect at the end of your current billing period, and you keep access until then.
Refunds. Fees are non-refundable, including for partial months, except where required by law.
Taxes. Fees do not include taxes. You are responsible for any sales, use, or similar taxes that apply, other than taxes on our income.
4. Your Data and Third-Party Services
Ownership. You keep all rights in the data you connect or upload ("Customer Data"). You give us a limited license to host, process, and display it only to provide and support the Service, and to maintain its security.
Third-party integrations. The Service depends on third parties such as QuickBooks Online (Intuit), Stripe, and our hosting and email providers. Their services are governed by their own terms, and we are not responsible for their availability, accuracy, or changes. If a third party changes or ends access, features of the Service may be affected.
Accuracy of reports. Reports are generated from the data in your connected systems. If that data is incomplete, miscategorized, or out of date, the reports will be too. You are responsible for reviewing your reports before relying on them.
Privacy and security. We use reasonable administrative and technical safeguards to protect Customer Data, but no system is completely secure. How we collect and use personal information is described in our Privacy Policy, which is part of these Terms.
After termination. After your account ends, we will disconnect connections to the client accounting systems so no data will be available in our systems.
5. Acceptable Use, Ownership, and No Professional Advice
Acceptable use. You agree not to:
Our intellectual property. The Service, including its software, design, dashboards, and branding, belongs to us and our licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription. Reports you generate from your own data may be used by you and your clients for your internal business purposes.
No financial, tax, or legal advice. The Service provides reporting and analysis tools only. Nothing in it is accounting, tax, investment, or legal advice, and it does not replace the judgment of a qualified professional. You are solely responsible for your financial decisions and any filings you make.
6. Liability, Termination, and General Terms
Disclaimer. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT REPORTS WILL BE ACCURATE OR COMPLETE.
Limitation of liability. TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.
Indemnification. You agree to defend and indemnify us against claims, losses, and expenses (including reasonable attorneys' fees) arising from your Customer Data, your violation of these Terms, or your use of the Service in violation of law or someone's rights.
Termination. You may stop using the Service at any time. We may suspend or terminate your access for non-payment, violation of these Terms, or if we discontinue the Service, with notice where reasonably possible. Sections that by nature should survive termination (including ownership, disclaimers, liability limits, and indemnification) will survive.
Governing law and disputes. These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Orange County, CA, and you consent to their jurisdiction. Except as provided in the arbitration section below, those courts are the exclusive venue for disputes.
Binding arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by [JAMS / the American Arbitration Association] under its rules then in effect, rather than in court, except that (a) either of us may bring an individual claim in small claims court if it qualifies, and (b) either of us may ask a court for injunctive relief to protect intellectual property or confidential information. The arbitration will take place in Orange County, California (or by video conference if the arbitrator permits), and the arbitrator's decision may be entered as a judgment in any court with jurisdiction. Each party bears its own attorneys' fees, except where the law or the arbitrator's rules provide otherwise.
Class-action waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND WE EACH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not combine more than one person's claims or preside over any class proceeding. If this waiver is found unenforceable as to a claim, that claim will be decided in court and not in arbitration.
Jury-trial waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH OF US WAIVES THE RIGHT TO A JURY TRIAL.
Opt out. You may opt out of this arbitration agreement by emailing support@zumareports.com within 30 days after you first accept these Terms, with your name and the statement that you opt out of arbitration. Opting out does not affect the rest of these Terms.
Changes to these Terms. We may update these Terms. We will post the new version with a new effective date and, for material changes, notify you by email or in the Service. Continued use after the effective date means you accept the changes.
General. These Terms and the Privacy Policy are the entire agreement between us on this subject. If a provision is unenforceable, the rest remains in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale of our business.
Contact. Shorecliffs Capital LLC. 501 N El Camino Real #215, San Clemente, CA 92672. support@zumareports.com.
These Terms of Service (the "Terms") are an agreement between you and Shorecliffs Capital LLC, which owns and operates ZumaReports.com ("Zuma Reports," "we," "us") governing your use of zumareports.com and the Zuma Reports financial reporting and dashboard services (the "Service"). By creating an account, subscribing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Effective Date: October 1, 2026
Eligibility. You must be at least 18 years old and able to form a binding contract. If you sign up on behalf of a business or accounting firm, you confirm that you have authority to bind it, and "you" includes that business.
The Service. Zuma Reports connects to your clients' accounting data, including data from QuickBooks Online, and presents it as dashboards and reports. We may add, change, or remove features over time. We do not guarantee that any particular feature will always be available.
2. Accounts and Authorized Use
Your account. You must give accurate information and keep your login credentials secure. You are responsible for all activity under your account. Tell us promptly at support@zumareports.com if you suspect unauthorized access.
Accounting firms and their clients. If you are an accounting firm using Zuma Reports for your clients, you are responsible for (a) having your clients' permission to connect their data and deliver reports to them, (b) the accuracy of the instructions and settings you give us, and (c) your clients' use of any access you provide them. Your relationship with your clients is yours; we are not a party to it.
Authorization to access data. You represent that you have the legal right to connect each accounting system or data source you link to the Service, and you authorize us to access and process that data to provide the Service. You can revoke this authorization at any time by disconnecting the integration, though the Service will stop working for that data.
3. Fees, Billing, and Cancellation
Fees. The Service is billed as a subscription. There is a Platform Access Fee charged to each Service Provider account. Each Client of the Service Provider pays a monthly Subscription Fee for a Client Portal and dashboards. The Prices may change; we will give you at least 30 days' notice before a change applies to your subscription.
Recurring billing. By subscribing, you authorize us and our payment processor, Stripe, to charge your payment method on the date you sign up and again each month until you cancel. You agree to keep your payment information current. We do not store your full card number; Stripe handles it under its own terms.
Failed payments. If a payment fails, we may retry it, notify you, and suspend or terminate access until the balance is paid.
Cancellation. You can cancel at any time by contacting support@zumareports.com or through your account if that option is available. Cancellation takes effect at the end of your current billing period, and you keep access until then.
Refunds. Fees are non-refundable, including for partial months, except where required by law.
Taxes. Fees do not include taxes. You are responsible for any sales, use, or similar taxes that apply, other than taxes on our income.
4. Your Data and Third-Party Services
Ownership. You keep all rights in the data you connect or upload ("Customer Data"). You give us a limited license to host, process, and display it only to provide and support the Service, and to maintain its security.
Third-party integrations. The Service depends on third parties such as QuickBooks Online (Intuit), Stripe, and our hosting and email providers. Their services are governed by their own terms, and we are not responsible for their availability, accuracy, or changes. If a third party changes or ends access, features of the Service may be affected.
Accuracy of reports. Reports are generated from the data in your connected systems. If that data is incomplete, miscategorized, or out of date, the reports will be too. You are responsible for reviewing your reports before relying on them.
Privacy and security. We use reasonable administrative and technical safeguards to protect Customer Data, but no system is completely secure. How we collect and use personal information is described in our Privacy Policy, which is part of these Terms.
After termination. After your account ends, we will disconnect connections to the client accounting systems so no data will be available in our systems.
5. Acceptable Use, Ownership, and No Professional Advice
Acceptable use. You agree not to:
- use the Service unlawfully, or to violate anyone's rights
- connect data you are not authorized to access or share
- reverse engineer, copy, resell, or build a competing service from the Service, except as we agree in writing
- interfere with or overload the Service, or attempt to bypass its security
- share your login with people outside your organization
Our intellectual property. The Service, including its software, design, dashboards, and branding, belongs to us and our licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription. Reports you generate from your own data may be used by you and your clients for your internal business purposes.
No financial, tax, or legal advice. The Service provides reporting and analysis tools only. Nothing in it is accounting, tax, investment, or legal advice, and it does not replace the judgment of a qualified professional. You are solely responsible for your financial decisions and any filings you make.
6. Liability, Termination, and General Terms
Disclaimer. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT REPORTS WILL BE ACCURATE OR COMPLETE.
Limitation of liability. TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.
Indemnification. You agree to defend and indemnify us against claims, losses, and expenses (including reasonable attorneys' fees) arising from your Customer Data, your violation of these Terms, or your use of the Service in violation of law or someone's rights.
Termination. You may stop using the Service at any time. We may suspend or terminate your access for non-payment, violation of these Terms, or if we discontinue the Service, with notice where reasonably possible. Sections that by nature should survive termination (including ownership, disclaimers, liability limits, and indemnification) will survive.
Governing law and disputes. These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Orange County, CA, and you consent to their jurisdiction. Except as provided in the arbitration section below, those courts are the exclusive venue for disputes.
Binding arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by [JAMS / the American Arbitration Association] under its rules then in effect, rather than in court, except that (a) either of us may bring an individual claim in small claims court if it qualifies, and (b) either of us may ask a court for injunctive relief to protect intellectual property or confidential information. The arbitration will take place in Orange County, California (or by video conference if the arbitrator permits), and the arbitrator's decision may be entered as a judgment in any court with jurisdiction. Each party bears its own attorneys' fees, except where the law or the arbitrator's rules provide otherwise.
Class-action waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND WE EACH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not combine more than one person's claims or preside over any class proceeding. If this waiver is found unenforceable as to a claim, that claim will be decided in court and not in arbitration.
Jury-trial waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH OF US WAIVES THE RIGHT TO A JURY TRIAL.
Opt out. You may opt out of this arbitration agreement by emailing support@zumareports.com within 30 days after you first accept these Terms, with your name and the statement that you opt out of arbitration. Opting out does not affect the rest of these Terms.
Changes to these Terms. We may update these Terms. We will post the new version with a new effective date and, for material changes, notify you by email or in the Service. Continued use after the effective date means you accept the changes.
General. These Terms and the Privacy Policy are the entire agreement between us on this subject. If a provision is unenforceable, the rest remains in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale of our business.
Contact. Shorecliffs Capital LLC. 501 N El Camino Real #215, San Clemente, CA 92672. support@zumareports.com.