1. Acceptance of terms
These Terms of Service (“Terms”) are entered into between you (or the firm you represent) and SafeRatio Inc., a Minnesota corporation with its principal place of business at 330 S Second Ave, Suite 200 1494, Minneapolis, MN 55401, United States (“SafeRatio,” “we,” or “us”). By creating an account, paying for a subscription, or otherwise using the SafeRatio platform, you agree to be bound by these Terms and our Privacy Policy. If you're accepting on behalf of a firm or organization, you represent that you have authority to bind that entity.
If you do not agree to these Terms, do not use the service.
2. The service
SafeRatio (“the Service”) is a software-as-a-service platform that helps tax professionals:
- Generate reasonable compensation analyses for S-corp shareholders, anchored in BLS OEWS wage data and IRC §162 considerations.
- Track shareholder stock and debt basis under IRC §1366/1367 and Form 7203.
- Forecast distributions, model salary scenarios, and produce client-facing reports.
We may add, modify, or retire features over time. We'll give reasonable notice for any change that materially reduces existing functionality.
3. Your account
- You must be at least 18 years old and a working tax professional (or be authorized by one).
- You're responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
- Notify us at security@saferatio.com immediately if you suspect unauthorized access.
- Firm admins can add and remove seats; each seat is for one named individual (no shared logins).
4. Subscription & billing
- Plans are billed monthly or annually in advance. Pricing is shown at saferatio.com/pricing and at checkout.
- Payments are processed by Stripe. By providing payment information you authorize Stripe to charge your designated payment method for the plan you select.
- Plans renew automatically at the end of each billing period unless cancelled. Cancel at any time in your billing settings.
- Price changes apply at the start of your next billing cycle, with at least 30 days' notice for material changes.
- Past-due accounts may be suspended after a reasonable cure period. Suspended accounts retain data per the retention schedule in the Privacy Policy.
- Taxes (sales tax, VAT, etc.) are your responsibility where applicable.
5. Trials and refunds
- We may offer free trials or introductory pricing from time to time. Terms are stated at signup.
- Subscription fees are non-refundable for the current billing period when you cancel mid-cycle — you keep access through the end of the period you've already paid for.
- If you believe you were billed in error, contact billing@saferatio.com. We'll review and refund any billing mistakes promptly.
6. Acceptable use
You agree NOT to:
- Use the service for anything unlawful, fraudulent, or harmful.
- Reverse-engineer, decompile, scrape, or attempt to extract source code or proprietary methodology from the platform.
- Resell, sublicense, or white-label the service without a written agreement with us.
- Interfere with the operation of the service (rate-limit-circumvention, automated stress testing, malware).
- Upload viruses, malware, or other harmful code; or upload content you don't have the right to use.
- Use the service to circumvent your professional obligations to your clients.
7. Your clients' data
When you upload data about your clients into SafeRatio, you remain the controller of that data and are responsible for having the rights to do so. We act as your processor and will not access, use, or disclose client data except as needed to provide the service to you, with your consent, or as required by law. Details in the Privacy Policy.
You agree to comply with all applicable privacy laws (including, where relevant, GLBA, state-level privacy laws like CCPA/CPRA, and the GDPR) in your handling of client information uploaded to the service.
8. Intellectual property
We retain all rights, title, and interest in the SafeRatio platform, including its software, design, methodologies, models, and documentation. These Terms grant you a non-exclusive, non-transferable, revocable license to use the service for your firm's internal business purposes during your subscription.
You retain ownership of your firm's data and your clients' data. By uploading data, you grant us a limited license to process it solely as needed to provide the service.
9. Feedback
If you send us suggestions, ideas, or other feedback about the service, you grant us a perpetual, worldwide, royalty-free license to use that feedback to improve the service — without obligation to you. This doesn't apply to your client data or your firm's confidential information; just feedback.
10. Third-party services
SafeRatio integrates with external services (Stripe for payments, Supabase and Vercel for infrastructure, Google Analytics, etc.). Those services are governed by their own terms and privacy policies, which apply to your use of them. We're not responsible for third-party services' availability, performance, or content.
11. Disclaimer: no tax, legal, or financial advice
SafeRatio is software, not a professional services firm. The reasonable compensation analyses, basis tracking, distribution forecasts, and reports the platform generates are tools to support YOUR professional judgment. They are not tax advice, legal advice, financial advice, or audit opinions. We do not file returns on your behalf and we do not represent you or your clients before the IRS.
You are solely responsible for the positions you take on tax filings and for the engagement you maintain with your clients. Always exercise your professional judgment and consult relevant authority (IRS guidance, court cases, your professional standards) before relying on the platform's output for a return.
12. Warranty disclaimer
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF DATA. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY ERRORS WILL BE CORRECTED.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL SAFERATIO BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS (US$100).
These limits apply regardless of the theory of liability (contract, tort, statute, or otherwise) and even if a limited remedy fails of its essential purpose. They reflect the allocation of risk inherent in the pricing of the service.
14. Indemnification
You agree to defend, indemnify, and hold harmless SafeRatio and its officers, directors, employees, and agents from any claim, demand, loss, or damages (including reasonable attorney fees) arising from: (a) your use of the service in violation of these Terms; (b) your violation of any law or third-party right; or (c) any content or data you upload that infringes the rights of others or violates applicable privacy laws.
15. Termination
- You can terminate your account at any time from billing settings or by contacting us.
- We may suspend or terminate your account for material breach of these Terms (especially the acceptable-use provisions), with reasonable notice and an opportunity to cure unless the breach is severe.
- Upon termination, your right to use the service ends. We'll retain or delete your data per the Privacy Policy's retention schedule. Export your data before terminating if you need to keep it.
- Sections of these Terms that by their nature should survive termination (IP, disclaimers, limitation of liability, indemnification, governing law) will survive.
16. Changes to these terms
We may revise these Terms as the product evolves or as the law requires. Material changes will be announced via email to your account contact at least 30 days before they take effect, and the “Last updated” date at the top of this page will reflect the change. Continued use of the service after the effective date constitutes acceptance. If you object to a material change, you may terminate your subscription before it takes effect and request a prorated refund.
17. Governing law and disputes
These Terms are governed by the laws of the State of Minnesota, without regard to its conflict-of-law principles. Any dispute arising out of or related to these Terms or the service will be resolved exclusively in the state or federal courts located in Hennepin County, Minnesota, and you and we consent to the personal jurisdiction of those courts.
Before filing a formal claim, both parties agree to attempt good-faith resolution by contacting the other in writing and allowing 30 days for resolution. Nothing in this section prevents either party from seeking equitable relief (e.g., for intellectual-property infringement) in any court of competent jurisdiction.
18. Contact
Questions about these Terms or your account:
- General: saferatio.com/contact
- Billing: billing@saferatio.com
- Legal: legal@saferatio.com
Mailing address:
SafeRatio Inc.
330 S Second Ave, Suite 200 1494
Minneapolis, MN 55401
United States