Terms & Conditions (v2025-06)

Effective Date:

1. Introduction and Acceptance

These Terms and Conditions (“Terms”) form a legally-binding agreement between Fatbaby LLC, a California limited-liability company doing business as “Conto” (“Fatbaby,” “we,” “our,” or “us”), and you, the user (“you” or “User”). By creating an account, accessing, or using the Conto web application or related services (collectively, the “Service”), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. United States-Only Service & Eligibility

  • U.S. Residents Only. Conto is currently offered solely to individuals and entities located within the United States.
  • Age & Authority. You must be at least 18 years old and possess the legal right and authority to enter into this agreement on behalf of yourself or, if applicable, your organization or clients.

3. Account Registration & Security

  • Required Information. To create an account you must provide your name and email address. You agree to keep this information accurate and up to date.
  • Credentials. You are responsible for safeguarding your password and any activities under your account. Notify us immediately of any unauthorized use.

4. Description of the Service

Conto is an AI-powered document-management platform that helps tax professionals request, collect, classify, and validate client tax documents. It uses Large Language Models (“LLMs”) and other AI techniques to extract information from uploaded files. This includes document analysis via third-party data processing services.

Our third-party document processing services store documents on cloud infrastructure with encryption at rest and in transit. Access is restricted to secure execution environments. Files are deleted within 24 hours and never used for model training. Our processing providers maintain SOC 2 Type II compliance and offer HIPAA-compliant pipelines for eligible customers.

Important: AI output may contain errors. Human review is always required; Conto does not provide tax, legal, or accounting advice.

5. User Responsibilities

  1. Lawful Use. You will use Conto only for lawful purposes and in compliance with all applicable laws and regulations.
  2. Client Consent. If you upload or request documents on behalf of a client, you warrant that you have obtained all consents and authorizations required by law.
  3. Back-ups. You are responsible for maintaining your own copies of documents.
  4. Acceptable Use. You may not:
    • engage in fraudulent or illegal activities;
    • upload infringing, defamatory, or malicious content;
    • attempt to access the Service or related systems without authorization; or
    • resell or sublicense the Service without our prior written consent.

6. Intellectual Property

  • Fatbaby LLC IP. All software, code, trademarks, and content comprising Conto are owned by or licensed to Fatbaby LLC. We grant you a limited, non-transferable, non-exclusive license to use the Service as permitted by these Terms.
  • Your Content. You retain ownership of documents and data you upload (“Customer Data”). You grant Fatbaby and its subprocessors a limited license to process Customer Data solely to provide and improve the Service.
  • Feedback. Suggestions or feedback you provide may be used by Fatbaby without obligation to you.

7. Privacy & Data Security

Our handling of personal information is governed by the Privacy Policy below. By using Conto you consent to our data practices, including processing by trusted third-party service providers (e.g., database providers, cloud hosting services, analytics providers, email delivery services, third-party data processing services, and AI inference APIs). Our document processing providers restrict access to stored files, encrypt them at rest and in transit, and delete them within 24 hours without using them for training.

8. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” FATBABY LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, SECURE, OR ACHIEVE ANY PARTICULAR RESULTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FATBABY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) US $100 OR (B) THE AMOUNT YOU PAID FATBABY LLC IN THE 12 MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to defend, indemnify, and hold harmless Fatbaby LLC and its affiliates from any claims, damages, losses, or expenses arising out of (i) your use of the Service, (ii) your violation of these Terms or applicable law, or (iii) your infringement of any third-party rights.

11. Termination

You may close your account at any time. Fatbaby may suspend or terminate the Service or your access to it (a) for breach of these Terms, (b) to protect security or legal interests, or (c) if required by law. Sections that by their nature should survive termination shall do so.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Exclusive venue for any dispute shall be the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction there.

13. Changes to Terms

We may update these Terms from time to time. Material changes will be posted in the Service or emailed to you. Continued use after changes constitute acceptance.

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