User agreement

Effective September 28, 2026

This agreement is between you and SMGM Enterprises, LLC, an Illinois limited liability company ("SMGM", "we", "us"), which provides HomeBooks (the "Service"). By creating an account or using the Service you accept this agreement. If you use the Service for a business, you accept it for that business and confirm you may do so.

1. The Service

HomeBooks is web-based bookkeeping software for households and small businesses. It records transactions, invoices, payments and related records that you enter, import or connect. The Service is in a pilot: features may change, be added or be withdrawn, and access is by invitation.

2. Your account

You must be at least 18 years old. You are responsible for the accuracy of the information you give us, for keeping your password, passkeys and two-factor codes secure, and for all activity under your account. The owner of a book decides who else may open it and with what role. Tell us promptly at smgm@mailsafe.io if you believe your account has been used without your permission.

3. Your data

The records you put into HomeBooks remain yours. You grant SMGM a limited right to store, process, back up and display them solely to provide the Service to you and to the people you share a book with. We handle personal information as described in our Privacy policy. You may ask us to export or delete your data at any time.

4. Connected services

You may connect HomeBooks to services of other companies, such as QuickBooks Online from Intuit Inc. or your own email account. A connection is made only when you authorize it, and you may revoke it at any time in that service's settings. Your use of those services is governed by their own terms. QuickBooks is a trademark of Intuit Inc.; HomeBooks is not made, endorsed or supported by Intuit.

5. Not professional advice

HomeBooks is a record-keeping tool. It does not give accounting, tax, legal or financial advice. Figures, reports and tax amounts it produces depend on the data and settings you provide. You are responsible for your books, your tax filings and your decisions; consult a qualified professional where appropriate.

6. Acceptable use

You agree not to use the Service unlawfully; not to attempt to reach data you are not permitted to see; not to interfere with or overload the Service; not to probe or test its security without our written permission; and not to use it to send unsolicited or unlawful messages.

7. Fees

The Service is provided without charge during the pilot. We will give you notice before any fee applies, and a fee will apply only if you accept it.

8. Availability and changes

We aim to keep the Service available and your data safe, but we do not promise that the Service will be uninterrupted or error-free. We may change or discontinue the Service; if we discontinue it we will give you reasonable notice and an opportunity to export your data.

9. Ending this agreement

You may stop using the Service and close your account at any time. We may suspend or close an account that breaches this agreement or puts the Service or other users at risk. After an account is closed we delete its data as described in the Privacy policy, unless the law requires us to keep it.

10. Disclaimer

To the extent the law allows, the Service is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement.

11. Limitation of liability

To the extent the law allows, SMGM is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from your use of the Service. SMGM's total liability for any claim relating to the Service is limited to the greater of the amount you paid for the Service in the twelve months before the claim and one hundred US dollars.

12. Governing law

This agreement is governed by the laws of the State of Illinois, without regard to its conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Illinois, and you and SMGM consent to their jurisdiction.

13. Changes to this agreement

We may update this agreement. We will post the new version here with its effective date and, for a material change, notify account holders by email or in the Service before it takes effect. Continuing to use the Service after that date means you accept the updated agreement.

14. Contact

SMGM Enterprises, LLC · smgm@mailsafe.io