End-User License Agreement

Effective October 8, 2026 · Last updated October 8, 2026 · Privacy Policy

This End-User License Agreement ("Agreement") is between Outsourced CFO Services LLC, an Idaho limited liability company ("CFODP," "we," "us," or "our"), and the dental practice or other business entity that accesses CFO Sidekick, together with each individual who uses it on that entity's behalf ("you," "your," or "Client"). By creating an account, signing in, clicking to accept, or otherwise using CFO Sidekick, you agree to this Agreement and represent that you have authority to bind the Client. If you do not agree, do not use CFO Sidekick.

• 1. The Service
• 2. License
• 3. Accounts and eligibility
• 4. QuickBooks Online connection
• 5. Your data
• 6. No protected health information
• 7. Automated and AI-generated output
• 8. Benchmark Data
• 9. Acceptable use
• 10. Fees
• 11. Confidentiality
• 12. Disclaimers
• 13. Limitation of liability
• 14. Indemnification
• 15. Term, termination, disconnection
• 16. Changes
• 17. Dispute resolution and arbitration
• 18. General
• 19. Contact

1. The Service

CFO Sidekick (the "Service") is a web application at sidekick.cfodentalpartners.com that reads financial data from your QuickBooks Online company file, summarizes it, compares it to de-identified peer benchmarks, and answers financial questions using automated analysis, including artificial intelligence. The Service is a decision-support tool. It does not replace the professional judgment of your CFO, accountant, attorney, or other advisors, and it is not a substitute for any advisory engagement you may have with CFODP.

2. License

Subject to this Agreement, CFODP grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your own internal business purposes during the Term. All rights not expressly granted are reserved by CFODP and its licensors. You may not copy, modify, distribute, sell, lease, sublicense, reverse-engineer, decompile, scrape, or create derivative works from the Service; use the Service to build a competing product; or use the Service to analyze or benchmark a practice you do not own or are not engaged to advise.

3. Accounts and eligibility

The Service is available to current CFODP clients and to practices admitted to CFODP's early-access program. Accounts are created by CFODP. Each user must be an owner, officer, or employee of the Client, or a person the Client has authorized in writing. Every user must enable multi-factor authentication using an authenticator application. You are responsible for keeping credentials and authenticator devices confidential and for all activity under your accounts. Notify us promptly at sidekicksupport@cfodentalpartners.com if you suspect unauthorized access. CFODP may suspend or limit an account at any time to protect the Service, other clients, or CFODP.

4. QuickBooks Online connection

The Service connects to your QuickBooks Online company through Intuit's authorized developer program using read-only access. The connection may be established in either of two ways, and you authorize both: (a) by you or your authorized user signing in to Intuit when prompted by the Service; or (b) by CFODP personnel who hold accountant access to your QuickBooks Online company under your CFODP engagement, acting on your behalf. You may revoke the connection at any time as described in Section 15. The Service does not create, modify, or delete any data in QuickBooks Online. Intuit is not a party to this Agreement, and your use of QuickBooks Online remains subject to Intuit's own terms.

5. Your data

As between you and CFODP, you own your financial data and the content of your QuickBooks Online company file, together with the questions you submit to the Service ("Client Data"). You grant CFODP a non-exclusive, worldwide, royalty-free license to access, copy, store, process, transmit, and display Client Data to provide, secure, support, maintain, and improve the Service, to communicate with you, to comply with law, and as described in the Privacy Policy. You represent and warrant that you have all rights, consents, and authority necessary to grant this license and to connect your QuickBooks Online company to the Service.

6. No protected health information

The Service is designed to read only summary financial reports, your chart of accounts, and company settings. It does not request customer, patient, vendor, employee, invoice, or payroll records. You agree not to submit protected health information ("PHI") as defined under HIPAA, or any other individually identifiable health information, into the Service, including in free-text questions, account names, or memo fields that the Service may read. CFODP is not acting as a business associate under HIPAA in providing the Service, and no business associate agreement is created by this Agreement. If a business associate agreement exists between you and CFODP under a separate engagement, that agreement governs PHI handled under that engagement only.

7. Automated and AI-generated output

Summaries, benchmarks, answers, and recommendations produced by the Service ("Output") are generated automatically from Client Data and Benchmark Data, in part by artificial-intelligence models. Output may be incomplete, out of date, or incorrect, including because of errors, inconsistencies, or categorization choices in your bookkeeping. Output is provided for informational purposes only and does not constitute accounting, tax, legal, investment, or financial advice. No accountant–client, attorney–client, fiduciary, or advisory relationship is created by your use of the Service. You are solely responsible for reviewing Output and for any decision you make or action you take in reliance on it. Where the Service is used in connection with a CFODP advisory engagement, the engagement letter governs the professional services and this Agreement governs the software; in the event of a conflict regarding the Service, this Agreement controls.

8. Benchmark Data

A core feature of the Service is comparing your practice to peer practices. You agree that CFODP may combine Client Data with data from other practices to create de-identified, aggregated statistics ("Benchmark Data"), and may use, reproduce, and distribute Benchmark Data to operate and improve the Service, to provide advisory and consulting services, in research, and in publications, presentations, and marketing. Benchmark Data will not identify you, your practice, your patients, or your employees; will not include your practice name, address, tax identifiers, or account-level transaction detail; and will not be displayed for any peer group of fewer than five practices. CFODP's rights in Benchmark Data are perpetual and survive termination of this Agreement. You will be asked to acknowledge this Section at first sign-in; your continued use of the Service is also acceptance of it.

9. Acceptable use

You will not use the Service to violate any law or regulation; to infringe or misappropriate anyone's rights; to upload or transmit malicious code; to probe, scan, overload, or interfere with the Service or its infrastructure; to access or attempt to access another client's data; or to attempt to re-identify any practice, person, or entity in Benchmark Data. You will not submit PHI, payment-card numbers, Social Security numbers, bank account numbers, or login credentials into free-text questions. CFODP may monitor use of the Service to enforce this Agreement.

10. Fees

During the early-access period the Service is provided at no additional charge. CFODP may introduce or change fees for the Service on at least thirty (30) days' written notice by email or in the Service. Continued use after the effective date of a fee change is acceptance of it. Fees are non-refundable except as required by law.

11. Confidentiality

Each party will keep confidential the non-public information of the other party that it receives in connection with the Service and will use it only as permitted by this Agreement. This obligation does not apply to information that is or becomes public through no fault of the receiving party, was known to the receiving party without restriction before receipt, is independently developed, or must be disclosed by law (with prompt notice to the other party where lawful). Benchmark Data is not Client confidential information. The Service's design, code, prompts, and methods are CFODP confidential information.

12. Disclaimers

The Service and all Output are provided "as is" and "as available" without warranties of any kind, express, implied, or statutory, including any warranty of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or completeness. CFODP does not warrant that the Service will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that Output will be accurate or complete. CFODP does not control and is not responsible for QuickBooks Online, Intuit's services, or any third-party service.

13. Limitation of liability

To the fullest extent permitted by law, in no event will CFODP or its members, managers, officers, employees, contractors, or suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, or data, arising out of or relating to the Service, Output, or this Agreement, under any theory of liability, even if advised of the possibility of such damages. CFODP's total cumulative liability arising out of or relating to the Service, Output, or this Agreement will not exceed the greater of (a) the fees you paid to CFODP for the Service in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). These limitations apply to the fullest extent permitted by applicable law and do not limit liability that cannot be limited by law.

14. Indemnification

You will defend, indemnify, and hold harmless CFODP and its members, managers, officers, employees, and contractors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your breach of this Agreement; (b) Client Data, including any claim that Client Data violates law or the rights of a third party; (c) your submission of PHI or other prohibited information to the Service; or (d) your use of or reliance on Output.

15. Term, termination, and disconnecting QuickBooks

This Agreement starts when you first use the Service and continues until terminated. You may stop using the Service at any time and may disconnect your QuickBooks Online company either within the Service or within QuickBooks Online (Apps → Connected apps). Upon disconnection, CFODP's access tokens for your company are deleted within twenty-four (24) hours. CFODP may suspend or terminate your access on thirty (30) days' notice for convenience, or immediately for breach, non-payment, suspected misuse, or risk to the Service, CFODP, or other clients. On termination, your right to use the Service ends; Client Data is handled as described in the Privacy Policy; and Sections 5 (as to Benchmark Data already created), 7, 8, 11, 12, 13, 14, 17, and 18 survive.

16. Changes to the Service or this Agreement

CFODP may modify, suspend, or discontinue the Service or any feature at any time. CFODP may update this Agreement by posting a revised version at cfodentalpartners.com/sidekick-terms and, for material changes, notifying you by email or in the Service at least fifteen (15) days before the changes take effect. Continued use after the effective date is acceptance of the revised Agreement.

17. Dispute resolution and arbitration

Governing law. This Agreement is governed by the laws of the State of Idaho and applicable U.S. federal law, without regard to conflict-of-law rules.

Informal resolution first. Before starting arbitration, a party must send written notice of the dispute to the other party (to CFODP at the address in Section 19) and the parties will attempt in good faith to resolve it within thirty (30) days.

Binding arbitration. Any dispute, claim, or controversy arising out of or relating to this Agreement or the Service that is not resolved informally will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Ada County, Idaho. Judgment on the award may be entered in any court of competent jurisdiction. Either party may seek temporary injunctive relief in a court of competent jurisdiction to protect its intellectual property or confidential information pending arbitration.

Class-action and jury waiver. Claims may be brought only in a party's individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. To the extent any claim proceeds in court rather than arbitration, each party waives trial by jury, and the state and federal courts located in Ada County, Idaho have exclusive jurisdiction.

Time limit. Any claim must be brought within one (1) year after it accrues, or it is permanently barred, to the extent permitted by law.

18. General

This Agreement, together with the Privacy Policy and any CFODP engagement letter or order form, is the entire agreement between the parties concerning the Service and supersedes prior agreements on that subject. If any provision is held unenforceable, it will be enforced to the maximum extent permissible and the remainder will remain in effect. No waiver is effective unless in writing. You may not assign this Agreement without CFODP's prior written consent; CFODP may assign it to an affiliate or to a successor in a merger, acquisition, or transfer of the Sidekick business. The parties are independent contractors. Notices to CFODP go to the addresses in Section 19; notices to you go to the email address on your account. CFODP will not be liable for delays or failures caused by events beyond its reasonable control, including failures of Intuit, hosting, or AI providers.

19. Contact

CFO Dental Partners · 776 E Riverside Dr, suite 208 Eagle, ID 83616 · sidekicksupport@cfodentalpartners.com · 208-297-3921.