What is autonomous accounting?

Autonomous accounting is a new category of financial software where AI handles the full accounting workflow — from document intake and data extraction to reconciliation, journal entry posting, and month-end close — without manual intervention. BeanStack is the leading autonomous accounting platform.

How does BeanStack automate the month-end close?

BeanStack automates the month-end close by reading contracts and invoices with AI, generating revenue recognition and amortization schedules, posting journal entries, reconciling bank transactions, and detecting anomalies — all automatically. Teams typically reduce close time by 85%.

Is BeanStack an AI bookkeeper or an ERP?

BeanStack is best described as autonomous accounting software. It goes beyond basic AI bookkeeping by handling complex workflows like revenue recognition, multi-entity consolidation, and compliance reporting. Under the hood, it is built on an AI-native ERP architecture with a full general ledger, entity management, and relationship graph.

Does BeanStack replace QuickBooks or Xero?

BeanStack can replace or complement existing accounting tools. For companies that have outgrown QuickBooks or Xero — especially those with complex revenue recognition, multi-entity structures, or high-volume document processing — BeanStack provides autonomous capabilities that traditional tools cannot.

How does BeanStack handle data security and compliance?

BeanStack uses bank-grade encryption (AES-256 at rest, TLS 1.3 in transit), role-based access control, multi-tenant data isolation, and maintains a complete audit trail for every transaction. BeanStack never trains AI models on customer data. The platform is designed for GDPR and CCPA compliance.

Terms of Service

Last updated March 17, 2026

These Terms of Service ("Terms") constitute a legally binding agreement between BeanStack AI, Inc. ("BeanStack," "we," "us," or "our") and the entity or individual accessing or using the BeanStack platform ("you" or "Customer"). By creating an account, clicking "I agree," or using the Service, you agree to these Terms on behalf of yourself and, if applicable, your organization.

1. Definitions

"Service" means the BeanStack AI-native ERP platform, including all software, APIs, documentation, and related services provided by BeanStack.

"Customer Data" means data, documents, and content you upload, submit, or process through the Service.

"AI Features" means the artificial intelligence and machine learning capabilities within the Service, including document extraction, data classification, journal entry generation, anomaly detection, and natural language querying.

"Order Form" means the document or online checkout page specifying your subscription plan, applicable fees, and usage limits. Order Forms are incorporated into and governed by these Terms.

"Subscription Term" means the period during which your subscription is active, as specified in your Order Form.

2. Subscription and Fees

2.1 Subscription Plans

BeanStack offers subscription plans with both fixed and usage-based components as described in your Order Form and on our pricing page. Current pricing is available at beanstack.ai/pricing and is subject to change.

2.2 Fees and Billing

All fees are as specified in your Order Form or on the applicable pricing page at the time of purchase. Unless your Order Form states otherwise:

Subscription fees are billed in advance (monthly or annually)
Usage-based fees are billed in arrears at the end of each billing cycle
All fees are denominated in USD
All fees are non-refundable except as expressly stated in these Terms or required by applicable law

Payment is due within 30 days of invoice. BeanStack may suspend access to the Service for accounts that are past due, and may terminate accounts that remain unpaid after reasonable notice.

2.3 Price Changes

BeanStack may modify pricing at any time. For active subscribers, price changes will take effect at your next renewal. We will provide reasonable advance notice of material price increases. Your continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.

2.4 Taxes

All fees are exclusive of applicable taxes, duties, and similar charges. You are responsible for all such charges, excluding taxes on BeanStack's net income.

2.5 Disputes

You must notify BeanStack of any fee dispute within 30 days of the invoice date. Undisputed amounts remain due.

3. Your Account

3.1 Registration

You must provide accurate and complete information when registering. You are responsible for maintaining the security of your credentials and for all activity occurring under your account.

3.2 Authorized Users

You may grant access to members of your organization ("Authorized Users"). You are responsible for your Authorized Users' compliance with these Terms. Credentials may not be shared between individuals.

3.3 Account Security

You agree to notify BeanStack promptly if you suspect unauthorized access to your account.

4. Use of the Service

4.1 License Grant

Subject to your compliance with these Terms and timely payment of fees, BeanStack grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service during the Subscription Term solely for your internal business operations.

4.2 Acceptable Use

You may not:

Upload or process data you do not have the right to process
Violate any applicable law or regulation
Attempt to circumvent, disable, or interfere with security features of the Service
Reverse engineer, decompile, or attempt to derive source code from the Service
Resell, sublicense, or make the Service available to third parties outside your organization
Use the Service in a manner that could damage, disable, or impair BeanStack or its infrastructure
Scrape or systematically extract data from the Service in ways not expressly permitted

BeanStack may suspend or terminate accounts that violate this section without notice.

4.3 AI Features — Appropriate Use

AI Features are productivity tools. You acknowledge that:

AI-generated outputs (extracted data, proposed journal entries, financial summaries, classifications) may contain errors and require human review
You are solely responsible for the accuracy of your financial records regardless of AI assistance
AI Features are not a substitute for professional accounting, legal, tax, or financial advice
Any AI-generated journal entries or financial classifications are recommendations only — a qualified professional is responsible for reviewing and approving them before use in official financial reporting

BeanStack makes no representation that AI Features will satisfy any specific regulatory or reporting standard.

4.4 Compliance

You are solely responsible for ensuring your use of the Service complies with all laws, regulations, and professional standards applicable to you, including financial reporting, accounting, tax, and data protection requirements in your jurisdiction.

5. Customer Data

5.1 Ownership

You retain all rights, title, and interest in your Customer Data. BeanStack claims no ownership over it.

5.2 License to Provide the Service

You grant BeanStack a limited, non-exclusive license to process, store, and transmit Customer Data as necessary to provide and support the Service, and as described in our Privacy Policy.

5.3 No AI Training

BeanStack will not use your Customer Data to train, fine-tune, or improve any generalized AI or machine learning model deployed to other customers. BeanStack may use aggregated, de-identified, non-attributable statistical data derived from Service usage to improve infrastructure and general service quality, provided such data cannot reasonably be used to identify you or reconstruct Customer Data.

5.4 Your Responsibilities

You represent and warrant that: (a) you have all rights necessary to upload Customer Data; (b) Customer Data does not infringe third-party rights or violate applicable law; and (c) you have obtained all necessary consents for any personal data within Customer Data.

6. AI Features and Automated Processing

6.1 AI Transparency

BeanStack uses third-party AI model providers to power certain AI Features. We maintain information about material providers at beanstack.ai/subprocessors. We may update model providers at any time and will endeavor to provide reasonable notice of material changes.

6.2 Automated Decision-Making

BeanStack AI Features generate recommendations for human review. BeanStack does not make legally significant automated decisions about individuals, and AI Features are not designed or intended for such purposes. If you choose to use AI Features in contexts that affect individuals' legal rights, you are solely responsible for compliance with applicable regulations, including any human oversight requirements.

6.3 Regulatory Compliance

BeanStack AI Features are general-purpose productivity tools and are not classified as high-risk AI systems under applicable AI regulations in their intended use cases. You are responsible for any obligations imposed on you by AI regulations applicable to your industry, jurisdiction, or use case, including any obligations that arise from your specific deployment of AI Features.

6.4 AI Output Ownership

You own outputs generated by AI Features when processing your Customer Data.

7. Intellectual Property

7.1 BeanStack IP

BeanStack and its licensors retain all rights to the Service, including all software, algorithms, models, interfaces, and documentation. These Terms grant no rights in BeanStack's intellectual property except the limited license in Section 4.1.

7.2 Feedback

If you provide feedback or suggestions about the Service, you grant BeanStack a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without compensation or attribution.

8. Confidentiality

Each party will maintain the confidentiality of the other's non-public information that is designated as confidential or that reasonably should be understood to be confidential given the nature of the disclosure and the circumstances. BeanStack's confidential information includes its technology, security architecture, and non-public pricing. Your confidential information includes your Customer Data. Confidentiality obligations survive termination for 3 years, except for trade secrets, which are protected indefinitely.

9. Warranties and Disclaimers

9.1 Mutual Warranties

Each party represents that it has the authority to enter into these Terms.

9.2 Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BEANSTACK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. BEANSTACK DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED OUTPUTS WILL BE ACCURATE, COMPLETE, OR FIT FOR ANY SPECIFIC PURPOSE.

10. Limitation of Liability

10.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PARTY WILL BE LIABLE TO THE OTHER FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 Aggregate Cap

BEANSTACK'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, FROM ALL CAUSES OF ACTION AND THEORIES OF LIABILITY, WILL NOT EXCEED THE GREATER OF: (A) THE FEES ACTUALLY PAID BY YOU TO BEANSTACK IN THE THREE MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED US DOLLARS ($100).

10.3 Essential Basis

The parties acknowledge that the limitations in this Section reflect a reasonable allocation of risk and are an essential element of the basis of the bargain between them. BeanStack would not provide the Service without these limitations.

10.4 Exceptions

The limitations in Section 10.1 and 10.2 do not apply to: (a) your payment obligations; (b) either party's indemnification obligations; or (c) either party's gross negligence or willful misconduct.

11. Indemnification

You will indemnify, defend, and hold harmless BeanStack and its officers, directors, employees, and agents from and against any third-party claims, actions, demands, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Service in violation of these Terms; (b) your Customer Data; (c) your violation of applicable law; or (d) any dispute between you and a third party.

12. Term and Termination

12.1 Term

These Terms begin when you create an account or execute an Order Form and continue until terminated.

12.2 Termination for Convenience

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. Fees paid for the current billing period are non-refundable except as required by applicable law.

12.3 Termination for Cause

BeanStack may suspend or terminate the Service immediately, with or without notice, if: (a) you materially breach these Terms; (b) your use poses a security risk to the Service or other customers; (c) your account is past due; or (d) BeanStack is required to do so by applicable law or regulation.

Either party may terminate if the other party becomes insolvent or files for bankruptcy.

12.4 Effect of Termination

Upon termination, your access to the Service ends immediately. BeanStack will make your Customer Data available for export for a period determined by BeanStack (not less than 7 days following termination notice, where practicable). After that period, BeanStack may delete Customer Data in accordance with its data retention practices and Privacy Policy.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any dispute that cannot be resolved informally will be settled by binding arbitration under the JAMS rules in San Francisco, California. Each party waives the right to a jury trial. Class action claims are waived.

Nothing prevents either party from seeking emergency injunctive relief in any court of competent jurisdiction to prevent irreparable harm.

14. General Provisions

Entire Agreement. These Terms, together with all Order Forms and the Privacy Policy, constitute the entire agreement between the parties and supersede all prior representations and agreements.

Modifications. BeanStack may modify these Terms at any time. For active subscribers, we will provide reasonable notice of material changes. Your continued use after the effective date of a change constitutes acceptance.

Severability. If any provision is unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. Remaining provisions continue in full force.

Waiver. BeanStack's failure to enforce any provision is not a waiver of that provision or any future enforcement.

Assignment. You may not assign these Terms or any rights under them without BeanStack's prior written consent. BeanStack may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.

Force Majeure. BeanStack is not liable for delays or failures caused by events beyond its reasonable control, including failures of third-party services, internet outages, or acts of God.

Relationship. The parties are independent contractors. Nothing in these Terms creates an agency, partnership, or joint venture.

Notices. Legal notices to BeanStack must be sent to legal@beanstack.ai.

BeanStack AI, Inc. · legal@beanstack.ai