SERVICE AGREEMENT

Last Updated: March 16, 2026


This Master Service Agreement (“Agreement”) is entered into between Budget Babe LLC, a Florida limited liability company doing business as Maison de Finance (the “Firm”), and the client identified in the applicable Tier Addendum (“Client”).

Budget Babe LLC operates under the trade name “Maison de Finance.” All services referenced herein are provided by Budget Babe LLC under the Maison de Finance brand.


1. Engagement & Acceptance

This Agreement becomes effective on the date Client:

  1. Selects a service tier, and

  2. Completes successful payment through the Firm’s authorized payment processor.

By completing payment, Client agrees to be legally bound by this Agreement and the applicable Tier Specific Addendum.

2. Scope of Services

The Firm provides financial organization, bookkeeping oversight, reporting, allocation monitoring, and strategic financial review services.

Depending on the selected tier, services may include:

  • Bookkeeping and financial reporting within QuickBooks Online

  • Cash flow monitoring and liquidity oversight

  • Expense categorization and allocation analysis

  • Debt monitoring and repayment guidance

  • Financial dashboards and KPI reporting

  • Payroll management and reporting (Elite tier only)

  • Strategic financial summaries and forward-looking analysis

Services not expressly listed in the applicable Tier Addendum are not included.

The Firm does not provide:

  • Tax filing or tax preparation services

  • Legal advice

  • Investment advisory services

  • Securities recommendations

  • Credit repair services

  • Fiduciary asset management

Client remains solely responsible for all financial decisions.

3. Third-Party Platforms & Financial Integrations

The Firm utilizes third-party systems including, but not limited to:

  • QuickBooks Online for bookkeeping and reporting

  • Plaid for financial dashboard presentation and bank synchronization

  • Stripe for subscription billing and payment processing

  • Replit for application hosting and Supabase for development platform

Bank Synchronization & Data Aggregation

If Client elects to connect financial institutions:

  • Connectivity is facilitated through Plaid an independent third party financial aggregation platform.

  • All connections are read only unless otherwise expressly authorized.

  • The Firm does not store or retain online banking credentials.

  • Client may revoke access at any time directly through their financial institution or Plaid.

The Firm is not responsible for:

  • Bank outages

  • Data synchronization delays

  • API limitations

  • Inaccuracies originating from financial institutions

  • Security incidents occurring within third-party systems

Dashboard reporting is dependent upon the availability and accuracy of external banking systems.


4. Fees & Billing Authorization

Client agrees to pay fees as outlined in the applicable Tier Addendum.

By enrolling, Client authorizes:

  • Recurring monthly subscription charges

  • Automatic renewal until cancellation

  • Auto-debit via Stripe or approved ACH method

If payment fails:

  • Services may be suspended immediately

  • Portal and dashboard access may be revoked

  • Bookkeeping and reporting activity may pause

Chargebacks or reversed payments result in immediate suspension pending investigation.

5. Payment & Portal Access

Access to dashboards, financial summaries, systems, and oversight services is contingent upon confirmed payment.

Access:

  • Begins only after successful payment processing

  • Is suspended for failed or reversed payments

  • Terminates upon cancellation or breach

No deliverables are released prior to confirmed payment.

6. No Refund Policy

All fees are non refundable.

Due to immediate allocation of professional time, reporting infrastructure, dashboard access, and digital system activation upon subscription enrollment, prorated or partial refunds are not provided.

This policy does not limit rights required under applicable card network dispute procedures.

7. Client Responsibilities

Client agrees to:

• Provide accurate and complete financial information
• Submit requested documentation in a timely manner
• Maintain active financial institution accounts required for bookkeeping, payroll (if applicable), and reporting services
• Cooperate with the Firm in maintaining active access to QuickBooks Online and related integrations, including prompt payment of Firm-managed software subscriptions where applicable
• Safeguard all login credentials and notify the Firm immediately of password changes or security updates
• Review reports and notify the Firm of any discrepancies within a reasonable timeframe

The Firm is not responsible for errors, delays, or reporting inaccuracies resulting from incomplete, inaccurate, untimely, or restricted client-provided information, revoked system access, or disconnected financial integrations.

8. Confidentiality & Data Security

The Firm maintains commercially reasonable administrative and technical safeguards to protect client information.

Client acknowledges:

  • Financial data may be processed or stored through QuickBooks, Plaid, Stripe, and other service providers

  • No digital platform is entirely risk free

  • Client retains responsibility for protecting their own credentials

9. Advisory Disclaimer

The Firm provides financial organization, bookkeeping oversight, and reporting services only.

Nothing provided constitutes:

  • Legal advice

  • Tax preparation services

  • Investment advice

  • Securities recommendations

  • Guarantees of financial outcomes

All forecasts and projections are estimates based on available data.

10. Limitation of Liability

To the fullest extent permitted by law:

The Firm shall not be liable for:

  • Indirect or consequential damages

  • Lost profits

  • Business interruption

  • Financial losses resulting from client decisions

  • Reliance on projections or financial modeling

Total liability is limited to the total fees paid by Client during the three (3) months preceding the event giving rise to the claim.

11. Termination

Clients may cancel prior to the next billing cycle.

Upon termination:

  • Dashboard and portal access will be revoked

  • Outstanding balances become immediately due

  • The Firm may retain financial records for compliance purposes

Services may be suspended immediately for non-payment or breach.


12. Governing Law & Venue

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

Any dispute arising out of or relating to this Agreement shall be brought exclusively in the state or federal courts located within the State of Florida.

Client agrees to submit to the personal jurisdiction of such courts.

The prevailing party in any action shall be entitled to recover reasonable attorney’s fees and costs.

13.Modifications to Agreement

The Firm reserves the right to modify, amend, or update this Agreement at its discretion. Any revisions will be posted on the Firm’s website with an updated “Last Updated” date.

For material changes that substantially affect Client obligations or fees, the Firm will provide reasonable notice via email or through the client portal. Continued use of the services after such updates constitutes acceptance of the revised Agreement.

If Client does not agree to the updated terms, Client’s sole remedy is to terminate services prior to the next billing cycle.