Terms of Service

Welcome to Toozi. These terms are written in plain English because we think legal documents shouldn't require a lawyer to understand. By using Toozi, you agree to these terms.

What Toozi Is

Toozi is a business management platform that helps freelancers and small business owners manage invoicing, bookkeeping, tax estimates, bill tracking, time tracking, and compliance — primarily through text message (SMS), with a web dashboard available at toozitax.app.

SMS Messaging Program

Toozi delivers most of its features through SMS text messaging. By opting in with your phone number, you consent to receive text messages from Toozi at the number you provide.

Types of messages. Service-related messages may include account alerts, income and expense confirmations, bill due-date reminders, invoice status updates, tax deadline and quarterly estimate alerts, mileage logs, weekly financial summaries, and replies from the Toozi AI assistant. Promotional messages may include subscription updates, new feature announcements, and seasonal tax-savings tips.

Message frequency. Message frequency varies.

Message and data rates may apply.

Opt out. Reply STOP to any message at any time to opt out. After opting out, you will receive one final confirmation message and will no longer receive SMS messages from Toozi unless you re-subscribe. You may also disable SMS notifications in your account settings.

Help. Reply HELP to any message for assistance, or contact us at hello@toozitax.app or (844) 482-4881.

Your consent to receive SMS messages is not a condition of purchase. See our SMS Consent page for full program details.

AI & Automated Processing

Toozi uses artificial intelligence powered by Anthropic Claude to provide several features including: automatic transaction categorization, tax estimation and quarterly projections, SMS intent classification and conversational assistant, document and receipt extraction, personalized business recommendations, calendar event billing detection, and micro-habit generation.

When you use AI-powered features, relevant data (such as transaction descriptions, SMS message content, uploaded documents, conversation history, and business profile details) is sent to Anthropic's API for real-time processing. Anthropic does not store your data for model training purposes.

AI-generated outputs — including tax estimates, expense categorizations, business recommendations, and compliance suggestions — are assistive tools. You are responsible for reviewing and verifying the accuracy of any AI-generated output before relying on it for financial, tax, or business decisions.

Toozi is not a substitute for professional tax, legal, or financial advice. AI-generated tax estimates and categorizations are approximations based on the information you provide.

You may request human review of any AI-generated output by contacting support at hello@toozitax.app or texting (844) 482-4881.

Your Account

• You must be at least 18 years old to use Toozi
• You're responsible for keeping your login credentials secure
• You're responsible for all activity that occurs under your account
• One account per person — don't share accounts
• Provide accurate information — we rely on the data you give us to generate tax estimates and financial reports

Subscription & Billing

• Toozi costs $49 per month, or $399 per year billed once a year
• Sales tax filing is an optional add-on at $19 per month and requires an active Toozi plan
• Your subscription renews automatically each month
• You can cancel anytime from Settings — no cancellation fees, no contracts
• Cancellation takes effect at the end of your current billing period
• No refunds on partial months — if you cancel mid-month, you'll have access until the end of that billing period
• Yearly plans: a full refund if you cancel within 30 days of the yearly charge; after that, cancelling stops the next renewal and access continues to the end of the year you paid for
• We may change pricing with 30 days' notice — existing subscribers will be notified via email
• Payment is processed securely through Stripe

What Toozi Is NOT

This is important:

• ✗Toozi is NOT a licensed accounting firm
• ✗Toozi is NOT a certified public accountant (CPA)
• ✗Toozi is NOT a tax preparation service
• ✗Toozi provides financial tools, estimates, and organization — not licensed tax advice
• ✗For complex tax situations, Toozi will recommend you consult a licensed professional
• ✗Tax estimates are based on the data you provide and standard tax rates — they are estimates, not guaranteed calculations. The Accuracy Guarantee below covers returns Toozi e-files, not estimates

Accuracy Guarantee

If a Toozi calculation error causes an IRS penalty, we pay it. Here is exactly what that means.

What counts as a Toozi calculation error

• An arithmetic or tax-computation mistake in a federal return that Toozi e-filed for you, where the numbers on the return do not follow from the data you entered, imported and approved. Examples: the wrong tax rate applied, a schedule totaled incorrectly, a credit computed wrong.
• State returns are covered the same way once Toozi e-files them.

What we pay

• The IRS penalty caused by that error, and the interest the IRS charges on that penalty.
• We do not pay the additional tax itself. If the error meant you owed more, that tax was always yours.
• We may first ask the IRS to remove the penalty on your behalf. If the IRS abates it, the penalty is gone and the guarantee is satisfied.

What it does not cover

• Errors in the data you gave us or approved: income you did not tell us about, a category you confirmed, a wrong Social Security number, address, bank account or dependent, or a figure you edited after Toozi prepared the return.
• Estimates, set-aside amounts, quarterly suggestions, calculators on toozitax.app, and anything said in a text thread or shown in your dashboard that is not a return Toozi e-filed. Those are estimates, as described above.
• Penalties for filing or paying late, including when a return could not be filed because we were waiting on your review, signature, identity verification or payment.
• IRS disagreement with a position on your return (for example, whether an expense you claimed is deductible). That is judgment, not calculation.
• Returns you filed or amended somewhere else, and penalties assessed more than three years after the return was filed.

How to claim

1. Send us the IRS notice within 30 days of the date printed on it. Text (844) 482-4881 or email hello@toozitax.app.
2. Give us access to the return and the notice, and do not pay the penalty or respond to the IRS about it before we have reviewed it, unless a deadline on the notice requires you to.
3. If we confirm a Toozi calculation error, we pay the penalty and its interest to you, or directly to the IRS, within 30 days of confirming it.

One claim per return. The guarantee belongs to the account holder whose return it is and cannot be transferred. It is the only remedy for a calculation error in a filed return; the Limitation of Liability below applies to everything else.

Your Data

• You own your data. Always.
• We store and process your data to provide the service
• You can export your data at any time
• You can delete your account and all data at any time from Settings
• See our Privacy Policy for full details on how we handle your data

Acceptable Use

Don't use Toozi to:

• Violate any laws or regulations
• Commit fraud or misrepresent your finances
• Attempt to access other users' data
• Reverse-engineer, decompile, or attempt to extract our source code
• Use automated systems to scrape or extract data from Toozi
• Send spam or unsolicited messages through our SMS system

Intellectual Property

• Toozi, the Toozi logo, and all agent names (TooziPay, TooziBooks, TooziSales, TooziBills, TooziAdmin, TooziTime) are trademarks of Toozi
• The service, its design, and its code are our intellectual property
• Your data belongs to you — our IP covers the product itself, not your content

Limitation of Liability

• Toozi is provided "as is" — we do our best, but except for the Accuracy Guarantee above, we can't guarantee perfection
• We are not liable for filing errors, missed deadlines, or incorrect tax estimates resulting from incomplete or inaccurate data
• We are not liable for damages resulting from service interruptions, data loss, or third-party service failures
• Apart from payments under the Accuracy Guarantee, our total liability is limited to the amount you've paid us in the last 12 months
• We are not liable for any indirect, incidental, or consequential damages

Service Availability

• We aim for 99.9% uptime but don't guarantee it
• We may perform maintenance with reasonable notice
• We may modify, suspend, or discontinue features with notice
• In the event of discontinuation, we'll provide at least 90 days' notice and data export options

Termination

• You can close your account at any time from Settings
• We may suspend or terminate accounts that violate these terms
• Upon termination, your data will be deleted per our Privacy Policy

Dispute Resolution

• We'll try to resolve disputes informally first — email us at hello@toozitax.app
• If we can't resolve it, disputes will be settled through binding arbitration
• These terms are governed by the laws of the State of Georgia

Changes to These Terms

We may update these terms from time to time. We'll notify you of material changes via email. Continued use after changes constitutes acceptance.

"We built Toozi to help you, not to trap you. If something in these terms doesn't sit right, reach out — we're always happy to talk."

Contact

Questions? Email hello@toozitax.app or text (844) 482-4881.