Terms of Service

What Dissregarded is

Dissregarded is bookkeeping and year-end tax-document software for single-member US limited liability companies and US sole proprietors. The Service ingests bank transactions, organises them into a double-entry ledger and a US chart of accounts, and produces year-end PDF packages — including, where applicable, Form 5472, a pro-forma Form 1120, and Schedule C.

Dissregarded is not a tax-advice service, not a tax-preparation service, and not a tax filer.

The PDFs we generate are based on the information you provide and the transactions you categorise. You are responsible for reviewing every figure, consulting a licensed tax professional where appropriate, and filing returns with the relevant tax authority.

Your account

You must be at least 18 years old and capable of forming a binding contract. You are responsible for the security of your account credentials, for all activity that occurs under your account, and for promptly notifying us at security@dissregarded.com of any unauthorised access.

We strongly encourage enabling two-factor authentication when available.

Bank connections

The Service can read transactions from third-party banks you connect (including Mercury). When you connect a bank you grant Dissregarded read-only access to the accounts and transactions you select. You can disconnect a bank at any time from within the Service.

We never request, store, or use write-access tokens that would allow us to move money.

We store bank-issued OAuth tokens encrypted at rest and only use them to fetch the data necessary to provide the Service.

Your data, your books

You own the financial data you enter or that we ingest on your behalf.

We hold a limited licence to process that data solely to operate the Service for you. You can export your data at any time and request its deletion at any time. Specifics are in our Privacy Policy.

Acceptable use

You agree not to:

• Use the Service to violate any law or regulation, including US federal tax law;
• Reverse-engineer, decompile, or attempt to extract source code from the Service except where such restriction is prohibited by law;
• Probe, scan, or test the vulnerability of the Service or attempt to bypass authentication, rate-limiting, or tenant isolation;
• Use automated means to interact with the Service in a way that exceeds reasonable human use without prior written permission;
• Upload data on behalf of a third party without that party's authorisation.

Fees and billing

The Service is offered in free and paid tiers. Pricing for paid tiers is shown in-app prior to subscription.

We may change pricing on at least 30 days' notice; price changes take effect at the start of your next billing cycle.

Fees are non-refundable except where required by law.

Beta features

Some features are clearly labelled as beta or experimental. Beta features are provided as-is and may change, break, or be removed at any time.

Don't rely on beta features for a tax filing without a contingency.

Termination

You may terminate your account at any time from within the Service. We may suspend or terminate your access if you breach these Terms, if we are required to do so by law, or if continued provision of the Service to you would expose us to legal or security risk.

On termination, you may export your data for 30 days; after that, we will delete it on the schedule described in the Privacy Policy.

Disclaimers

The Service is provided "as is" and "as available" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Tax law changes; bank data has gaps; categorisation requires human judgment. Review everything.

Limitation of liability

To the maximum extent permitted by law, Dissregarded will not be liable for any indirect, incidental, consequential, special, or exemplary damages, or for any loss of profits, revenue, data, or goodwill arising out of or relating to your use of the Service.

Our aggregate liability for any claim will not exceed the greater of (a) the fees you paid us in the twelve months preceding the claim, or (b) USD 100.

Indemnification

You agree to indemnify and hold Dissregarded harmless from any claim or demand, including reasonable attorneys' fees, arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.

Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved in the state or federal courts located in Wyoming, and you consent to personal jurisdiction there.

Nothing in this section limits your right to bring an individual claim in small-claims court where eligible.

Changes to these Terms

We may update these Terms from time to time. If a change is material we will give notice through the Service or by email at least 14 days before it takes effect.

Your continued use of the Service after a change takes effect constitutes acceptance.

Contact

Questions about these Terms: legal@dissregarded.com. Security reports: security@dissregarded.com.

In one breath

• It's a tool — we make PDFs, we don't file your taxes.
• Bank access is read-only — we can't move your money.
• Your data is yours — export or delete any time.
• Free tier exists, paid tiers are shown in-app, 30 days' notice on changes.
• Liability is capped at the greater of fees paid in the last 12 months, or $100.
• Wyoming law governs; mail us at legal@dissregarded.com.