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Terms of Service

Last updated: May 26, 2026

1. Acceptance of Terms

Rubric Associates LLC, DBA Rubric Financial, operating as StartupCFO (“we,” “us,” or “our”) operates the website at startupcfo.ai(the “Website”). By accessing or using the Website you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use the Website.

2. Description of the Website

The Website is a marketing and educational resource for StartupCFO. It provides information about our professional services, blog articles, a knowledge base of startup-finance resources, and interactive financial calculators (the “Tools”).

The ClariFi Decision Engine is a separate subscription-only product available exclusively to clients of StartupCFO. Use of ClariFi is governed by a separate agreement and is not covered by these Terms.

3. No Professional Relationship

Using the Website, reading our content, or interacting with the Tools does not create a CPA-client, attorney-client, advisory, or other professional relationship between you and Rubric Associates LLC. A professional relationship is established only through a signed engagement agreement.

4. Financial Calculators & Tools Disclaimer

The financial calculators and tools available on this Website, including the Runway Calculator, Unit Economics Calculator, and Revenue Forecast tool, are provided for informational and educational purposes only. They do not constitute financial, tax, legal, or accounting advice.

  • Results are estimates based solely on the inputs you provide and may not reflect your actual financial situation.
  • We make no representations or warranties regarding the accuracy, completeness, or suitability of any calculator output.
  • You should not rely on calculator results as a basis for making financial, investment, or business decisions without consulting a qualified professional.

5. Blog & Knowledge Base Content

Articles, guides, and knowledge-base resources published on the Website are intended for general educational purposes. While we strive for accuracy, content may not reflect the most current legal, tax, or regulatory developments. Nothing on the Website should be construed as professional advice specific to your situation.

6. Service Pricing & Fees

Prices and plan tiers displayed on the Website (the “Listed Prices”) are starting prices for typical startup engagements. Actual fees are confirmed in a written engagement agreement and may vary based on transaction volume, entity complexity, multi-state or international compliance, scope of fractional CFO services, and similar factors.

Payroll services. When StartupCFO runs or administers payroll for a client, payroll services are billed per W-2 employee per month, in addition to base plan pricing. The per-W-2 rate is set in the engagement agreement and is recalculated as headcount changes.

Tax preparation vs. tax filing. All paid subscription plans include tax preparation for 1 federal return + 1 state returnper fiscal year (the “Included Returns”). The actual filing fees, government filing charges, and any additional state, local, or international returns are not included and are billed separately at cost or at our then-current rates. Amended returns, voluntary disclosures, audit support, and non-routine tax matters are also billed separately.

Subject to change. StartupCFO reserves the right to modify Listed Prices and subscription plan pricing at any time. For active customers, any change to recurring subscription pricing will be made with at least 30 days’ written notice, and existing engagements will be honored at the agreed price for the remainder of the then-current billing period.

Promotional offers (including any free-trial period) are subject to their own terms and may be modified or discontinued at any time without prior notice. Nothing on the Website constitutes a binding quote or offer of services.

7. Intellectual Property

All content on the Website, including text, graphics, logos, illustrations, data compilations, calculator logic, and software, is the property of Rubric Associates LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual-property laws.

You may not, without our prior written consent:

  • Copy, reproduce, distribute, or create derivative works from any Website content.
  • Scrape, crawl, or use automated means to extract content or data from the Website.
  • Reverse-engineer, decompile, or disassemble any calculator, tool, or software available on the Website.
  • Frame, mirror, or otherwise incorporate any portion of the Website into another product or service.

8. User Conduct

When using the Website you agree not to:

  • Use the Website for any unlawful purpose or in violation of any applicable law or regulation.
  • Interfere with or disrupt the Website, its servers, or connected networks.
  • Attempt to gain unauthorized access to any portion of the Website or any systems or networks connected to it.
  • Submit false or misleading information through any form on the Website.

9. Third-Party Links & Services

The Website contains links to third-party websites and services, including Calendly (scheduling), LinkedIn, and PartnerStack (affiliate program). We are not responsible for the content, privacy practices, or terms of any third-party site. Your use of third-party services is at your own risk and subject to their respective terms and policies.

10. Disclaimer of Warranties

The Website and all content, tools, and materials provided through it are offered on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Limitation of Liability

To the fullest extent permitted by law, Rubric Associates LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of the Website, the Tools, or any content published on the Website, whether based on warranty, contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless Rubric Associates LLC 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 in any way connected with your use of the Website or violation of these Terms.

13. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

14. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Website after changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

15. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

17. Contact Us

If you have questions about these Terms of Service, please contact us: