terms of service

terms of service.

effective july 29, 2026 · last updated july 29, 2026

1. Introduction and Acceptance

Welcome to Accountable. These Terms of Service (the "Terms") are a binding agreement between you and Vista Origins, Inc., a Delaware corporation doing business as Accountable ("Accountable," "we," "us," or "our"). The Terms govern your access to and use of the Accountable websites, applications, and services (together, the "Services").

Please read these Terms carefully. By creating an account, checking the box to accept these Terms, or otherwise accessing or using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you are using the Services on behalf of a company or other organization, you represent that you have authority to bind that organization, and "you" refers to that organization.

If you do not agree to these Terms, do not access or use the Services.

Section 15 (Dispute Resolution) contains a binding arbitration provision and a class action waiver that affect your legal rights. Please read it carefully. You may opt out of arbitration within 30 days as described in that section.

Section 6 describes our subscription plans, including automatic renewal and how to cancel. Please read it carefully.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements. The Services are intended for users located in the United States.

3. What Accountable Is, and What It Is Not

Accountable is a software platform that helps freelancers and the people or businesses who pay them ("Payers") create and formalize agreements, send and track invoices, set payment terms, exchange related files, and automate professional follow-up. The platform also offers an AI assistant that helps with onboarding, communication, and coaching.

It is important that you understand the limits of our role:

a. Not a bank or money transmitter. Accountable is a software company. It is not a bank, financial institution, trustee, escrow agent, or fiduciary, and it is not a money transmitter or money services business. Payments are processed and funds are transferred by our payment processor, Stripe, which provides those regulated services. See Section 6.

b. Not a party to your agreements. Accountable provides tools that help users create and document their own agreements. We are not a party to any agreement between a freelancer and a Payer, and we do not guarantee that any party will perform, pay, or deliver. The agreement is solely between the freelancer and the Payer.

c. Not an arbiter of disputes. Accountable is a neutral facilitator. We do not mediate, arbitrate, or resolve disputes between users, and we are not responsible for the quality, safety, legality, or completion of any work, deliverable, or payment.

d. Not legal, tax, or financial advice. The Services, including any templates, prompts, informational content, or AI-generated suggestions, are provided for general informational purposes only and do not constitute legal, tax, accounting, or financial advice. You are responsible for your own decisions and should consult a qualified professional where appropriate.

4. Your Account

To use most features, you must create an account. You agree to provide accurate and complete information and to keep it up to date. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us promptly at contact@accountable.cx if you suspect unauthorized use.

Accountable supports different roles, including freelancers who send agreements and invoices and Payers who review, approve, and pay them. Some features differ depending on your role. Payers may be able to view, approve, and pay certain invoices without creating a full account. By using those features, you agree to these Terms as they apply to that activity.

5. The Services

Subject to these Terms, Accountable grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your own legitimate business purposes. The Services may include, among other features:

The Services are under active development. We may add, change, suspend, or remove features at any time. See Section 18 regarding availability.

6. Payments and Subscriptions

a. Payment processing through Stripe. Payments made through the Services are processed by Stripe, Inc. ("Stripe") using Stripe Connect. To receive payments, freelancers must create a connected Stripe account and agree to the Stripe Connected Account Agreement and the Stripe Services Agreement. When a Payer makes a payment, Stripe processes it and the funds may pass through an account we maintain with Stripe before the net amount is transferred to the freelancer's connected account. We rely on Stripe for the processing and transfer of funds and do not provide banking or money-transmission services ourselves. By using the payment features, you authorize Accountable and Stripe to share the information necessary to set up and operate your connected account and to process transactions. We may change payment processors at any time.

b. Fees. We will clearly display any applicable platform fees and payment-processing fees before you incur them. Payment-processing fees are set by Stripe. Where a platform fee applies, we deduct it from the payment before the remaining amount is transferred to the freelancer. Platform fees are described in the Services at the time of the transaction and may change with notice. Except as required by law or expressly stated, fees are non-refundable.

c. Freelancer-provided payment methods and instructions. Freelancers may add external payment methods such as Venmo, Zelle, Cash App, PayPal, and check (by providing a mailing address), and may create custom payment methods by entering a label and payment details of their choosing. Freelancers may also include payment instructions within invoices or invoice notes. All of this information is provided solely by the freelancer. Accountable displays it so that Payers can pay the freelancer directly. Accountable does not verify, store for payment-processing purposes, or guarantee the accuracy of any payment information provided by users. Accountable is not a party to any payment made using these methods and assumes no responsibility for payment processing, errors, disputes, or losses arising from them.

d. Off-platform payments. When users choose to pay using payment methods outside of Stripe (including bank transfers, Venmo, Zelle, PayPal, Cash App, check, or other direct payment methods), Accountable does not process, facilitate, or control those transactions. Marking an invoice as paid or approved is a record-keeping convenience only and does not mean Accountable processed, verified, or confirmed the payment. Accountable is not responsible for any payment disputes, incorrect transfers, fraud, or losses resulting from off-platform payments.

e. Verification disclaimer. Accountable does not verify bank accounts, payment identities, or financial information provided by users. Users are responsible for verifying payment details before initiating any payment.

f. Chargebacks and reversals. Payments may be subject to chargebacks, refunds, reversals, and claims. As between you and Accountable, the freelancer is responsible for any chargebacks, refunds, reversals, and related fees arising from payments they receive. If Accountable or Stripe incurs any loss, cost, or liability as a result of a chargeback, reversal, or other payment dispute relating to your transactions, you authorize us and Stripe to recover those amounts, including by reversing transfers and by deducting them from current or future payments or payouts to you, or by invoicing you directly. Repeated or excessive chargebacks may result in suspension or termination of your access to the payment features.

g. Taxes. You are solely responsible for determining, collecting, reporting, and remitting all taxes associated with your use of the Services and with payments you send or receive. Accountable does not provide tax advice.

h. Subscription plans. Subsections (h) through (m) describe fees you pay to Accountable for access to the Services. These are separate from the payments described above between freelancers and Payers. Access to the Services is offered through subscription plans, including a free plan and paid plans. The features and usage limits of each plan, and the fees for each paid plan, are described in the Services at the time you subscribe. Fees are stated in U.S. dollars, are charged in advance for each billing period, and are exclusive of taxes. Except as required by law or expressly stated in these Terms, subscription fees are non-refundable, and we do not provide refunds or credits for partial billing periods.

i. Automatic renewal. Your subscription renews automatically until you cancel. When you subscribe to a paid plan, you choose a billing period, such as monthly or annual. Your subscription will automatically renew at the end of each billing period for a further period of the same length, at the then-current rate for your plan, unless you cancel before the renewal date. You authorize us and our payment processor to charge the payment method you provide for each renewal. This authorization continues until you cancel.

j. Promotional and discounted access. We may offer promotional pricing, discount codes, or a period of free or reduced-price access. Any such offer applies only for the period stated at the time it is provided. We collect a payment method when you subscribe even if the amount due at that time is zero. When the promotional period ends, your subscription automatically converts to the standard rate for the plan you selected, and we will charge your payment method on that basis, unless you cancel before the promotional period ends. Promotional offers are not transferable and may not be combined unless we state otherwise.

k. Cancellation. You may cancel your subscription at any time through your account settings, using the same method through which you subscribed. Cancellation takes effect at the end of your current billing period. You will keep access to your paid plan until that date and will not be charged for any further billing period. Cancelling does not entitle you to a refund of fees already paid. After cancellation your account may revert to the free plan, and features or usage above the free plan's limits may become unavailable.

l. Changes to plans and prices. You may change your plan at any time through your account settings. Upgrades take effect immediately, and downgrades take effect at the end of your current billing period. If your usage exceeds the limits of a lower plan, you may need to reduce your usage before that change can take effect. We may change subscription prices, and we will give you at least 30 days' notice before a price change takes effect. The new price will apply from your next billing period after that notice. If you do not agree to a price change, you may cancel before it takes effect.

m. Failed payments. If a payment fails or your payment method is declined, we and our payment processor may attempt to charge it again, and we may suspend or downgrade your access until payment is received. You remain responsible for any amounts owed.

7. Your Content and Files

You retain ownership of the agreements, invoices, files, messages, and other content you submit to the Services ("Your Content"). You grant Accountable a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify (for formatting and display), transmit, and display Your Content solely as needed to operate, provide, secure, and improve the Services, and as otherwise described in our Privacy Policy.

Accountable is designed for transient file transfer associated with a transaction, not for long-term storage or backup. Files you upload may be deleted after a limited period once the related transaction is complete. You are responsible for keeping your own copies of any files you need to retain.

If you submit information about another person, such as a client or Payer, you represent that you have the right to provide that information and that doing so does not violate any law or third-party right. You represent and warrant that you have all rights necessary to submit Your Content and that Your Content does not violate any law or third-party right.

8. Acceptable Use

You agree not to use the Services to:

We may investigate and take appropriate action, including removing content, suspending or terminating accounts, and reporting to law enforcement, for any violation.

9. Intellectual Property

The Services, including all software, text, graphics, logos, and other materials provided by Accountable (excluding Your Content), are owned by Accountable or its licensors and are protected by intellectual property laws. We grant you no rights except the limited license expressly described in these Terms. "Accountable," the Accountable logo, and related marks are our property and may not be used without our prior written permission.

If you provide feedback or suggestions about the Services, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without obligation to you.

10. Third-Party Services

The Services rely on and may link to third-party services, including Stripe and other providers described in our Privacy Policy. Your use of those services may be governed by their own terms and privacy policies, and we are not responsible for them. Your dealings with any third party are solely between you and that third party.

11. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ACCOUNTABLE DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CONTENT OR AI-GENERATED OUTPUT IS ACCURATE OR RELIABLE.

ACCOUNTABLE IS A FACILITATOR AND IS NOT RESPONSIBLE FOR THE CONDUCT OF ANY USER OR FOR THE PERFORMANCE, PAYMENT, QUALITY, OR LEGALITY OF ANY AGREEMENT, DELIVERABLE, OR TRANSACTION BETWEEN USERS. YOU USE THE SERVICES, AND TRANSACT WITH OTHER USERS, AT YOUR OWN RISK.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ACCOUNTABLE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICES, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ACCOUNTABLE'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT OF PLATFORM FEES YOU PAID TO ACCOUNTABLE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

These limitations apply to the fullest extent permitted by law. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

13. Indemnification

You agree to indemnify, defend, and hold harmless Accountable and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) Your Content; (c) your agreements, invoices, or transactions with other users; (d) your violation of these Terms or any law; or (e) your violation of any third-party right.

14. Term and Termination

These Terms remain in effect while you use the Services. You may stop using the Services and close your account at any time. We may suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms, created risk or legal exposure for us or others, or for any other reason permitted by law.

Upon termination, your license to use the Services ends. Sections that by their nature should survive termination (including Sections 6(f), 7, 9, 11, 12, 13, 15, and 16) will survive. Termination does not relieve you of obligations, including fees or chargeback liability, incurred before termination.

15. Dispute Resolution, Arbitration, and Class Action Waiver

Please read this section carefully. It affects your legal rights, including your right to go to court.

a. Informal resolution first. Before starting an arbitration, you agree to first contact us at contact@accountable.cx and attempt to resolve the dispute informally for at least 30 days.

b. Binding arbitration. Except for the carve-outs below, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by JAMS under its applicable rules, rather than in court. The arbitration will be conducted in the English language. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

c. Class action waiver. You and Accountable agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of class proceeding.

d. Carve-outs. Either party may (i) bring an individual claim in small claims court if it qualifies, and (ii) seek injunctive or equitable relief in court to protect its intellectual property or confidential information.

e. 30-day right to opt out. You may opt out of this arbitration agreement (including the class action waiver) by sending written notice to contact@accountable.cx within 30 days of first accepting these Terms. Your notice must include your name, the email associated with your account, and a clear statement that you want to opt out of arbitration. If you opt out, the governing law and venue in Section 16 will apply to disputes. Opting out does not affect any other part of these Terms.

16. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of California, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration, you and Accountable agree to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California, and you consent to personal jurisdiction there.

17. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, such as by email or through the Services, and, where required, ask you to re-accept the updated Terms before continuing to use affected features. Changes are effective when posted unless stated otherwise. Your continued use of the Services after changes take effect constitutes acceptance.

18. Service Availability

The Services may change, and features may be added, modified, or removed at any time. We may impose usage limits or discontinue features without liability. We do not guarantee that the Services will always be available or error-free, and you should keep independent records of anything important to your business.

19. General

a. Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Accountable regarding the Services and supersede any prior agreements.

b. Severability. If any provision is found unenforceable, the remaining provisions will remain in full force, and the unenforceable provision will be modified to the minimum extent necessary.

c. No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

d. Assignment. You may not assign these Terms without our prior written consent. We may assign them, including in connection with a merger, acquisition, or sale of assets.

e. Notices and electronic communications. You consent to receive communications from us electronically, including by email and through the Services, and you agree that electronic communications satisfy any legal requirement that a communication be in writing. We may provide notices to you at the email associated with your account.

f. Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control.

g. Relationship. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Accountable.

20. Contact Us

If you have questions about these Terms, contact us at:

Vista Origins, Inc. (doing business as Accountable)
Email: contact@accountable.cx