Oikos Books — Disclaimers

What this page is

Oikos Books is accounting software — a tool that records, organizes, and reports the financial information you enter or connect. It is not a person, not a firm, and not a licensed professional. Nothing it produces is professional advice, and Oikos United LLC does not guarantee that any number it displays is correct, complete, or fit for filing with any tax authority, lender, investor, or regulator.

The full disclaimers below are part of our Terms of Service. You'll also see short, plain-language reminders of these points inside the product wherever a number matters — those short forms are reproduced here too, so you can see exactly what we say and where.

1. The disclaimers (canonical text)

No Professional Advice. Oikos Books is a software tool for recording and reporting financial information. It is not tax, accounting, bookkeeping, legal, investment, or financial advice, and it is not a substitute for a qualified professional (such as a CPA, enrolled agent, bookkeeper, tax preparer, attorney, or financial advisor). Oikos United LLC is not a public accounting firm, a tax-preparation service, a registered investment adviser, a broker-dealer, a bank, a lender, or a money transmitter. Any reports, calculations, categorizations, tax or sales-tax figures, projections, summaries, or AI-generated answers the Service produces are provided for your convenience and information only. You should consult a qualified professional before making any financial, tax, accounting, legal, or business decision, and before filing anything with any government authority.

Your Responsibility for Accuracy. You are solely responsible for the accuracy, completeness, and lawfulness of the data you enter into or connect to the Service, and for the accuracy of any books, records, reports, returns, or filings you produce using it. This includes reviewing and verifying every figure before you rely on it, submit it, or share it. Oikos United LLC does not audit, verify, or guarantee your data or your books. The Service may contain errors, may categorize transactions incorrectly, may reflect incomplete or delayed bank data, and may compute tax, sales-tax, or other figures that are wrong for your situation. Automated features — including bank-feed import, auto-categorization rules, and AI-assisted answers — are aids, not authorities; you must review their output. The Service does not guarantee that any figure is calculated in accordance with GAAP, IRS rules, state or local tax law, or any other standard. You remain responsible for maintaining your own records and for compliance with all tax, accounting, and reporting obligations that apply to you.

No Guarantee of Results; Assumption of Risk. To the maximum extent permitted by law, Oikos United LLC disclaims all liability for any loss, penalty, interest, fine, missed deadline, rejected filing, overpayment, underpayment, lost data, or business decision arising from your use of, or reliance on, the Service or anything it produces. You assume all risk of relying on the Service's output without independent professional verification. This section survives termination and is in addition to, not in place of, the general limitation-of-liability and warranty-disclaimer sections of the Terms.

2. The short reminders you'll see in the app

Plain-language versions of the same points, shown where you could reasonably rely on a number:

When you first set up

Oikos Books is a tool, not your accountant.

It helps you keep your books, but it doesn't check them for you. You're responsible for making sure your numbers are right, and it's not tax, accounting, or financial advice. When something matters, check with a pro.

On every screen

Oikos Books is software, not professional advice. You're responsible for the accuracy of your books.

On reports and financial statements

These reports are built from the data you entered and connected. Oikos Books doesn't verify them and doesn't guarantee they follow GAAP or tax rules. Review before you file, share, or rely on them.

On sales-tax and tax figures

Sales-tax and tax amounts shown here are estimates based on the rates and settings you provided. They may be wrong for your situation. Verify with your tax authority or a tax professional before filing or remitting.

On every Oikos AI answer

Oikos AI can be wrong. Its answers are generated automatically and are not professional advice. Double-check anything important before you act on it.

On bank imports and auto-categorization

Imported and auto-categorized transactions are suggestions. Review them — bank data can be delayed, duplicated, or miscategorized.