End-User License Agreement

Last updated: 2026-06-08

This End-User License Agreement ("Agreement") governs the use of the Magnetic Mic ACH Automation application ("the App") by Innovative Products, Inc. d/b/a Magnetic Mic ("the Business").

1. License grant

The operator (Greg Curtiss) grants the Business a non-exclusive, non-transferable, revocable license to use the App for the sole purpose of automating ACH collection against QuickBooks Online invoices belonging to the Business.

1a. Payment processing

Payment processing services accessed by the App are provided by Intuit Payments Inc. under the QuickBooks Payments service agreement between Intuit and the Business. The App neither moves nor settles funds; it acts solely as an authorized API client of Intuit Payments Inc. on the Business's behalf. The Business's existing agreement with Intuit Payments Inc. governs all fees, settlement timing, dispute handling, and chargeback liability for transactions initiated through the App.

2. Restrictions

The Business shall not:

• Sublicense, rent, lease, or otherwise transfer the App or its API credentials to any third party.
• Use the App to process payments for any company other than the Business itself.
• Attempt to reverse engineer, decompile, or otherwise extract the App's source code from the running infrastructure.
• Misrepresent the App as a public-facing, marketplace-listed, or shared product.

3. Ownership

The operator retains all rights, title, and interest in the App's source code. The Business retains all rights to data stored within its own QuickBooks Online company.

4. Disclaimer of warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE OPERATOR DOES NOT WARRANT THAT THE APP WILL BE ERROR-FREE OR UNINTERRUPTED.

5. Limitation of liability

IN NO EVENT SHALL THE OPERATOR BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO THE BUSINESS'S USE OF THE APP. THE OPERATOR'S TOTAL LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE FEES (IF ANY) PAID BY THE BUSINESS FOR THE APP IN THE PRIOR TWELVE (12) MONTHS.

The Business acknowledges that ACH transactions initiated by the App will move real money between bank accounts, that ACH transactions cannot be instantly reversed, and that responsibility for verifying customer authorization and invoice accuracy rests with the Business.

6. Termination

This Agreement terminates automatically when the Business disconnects the App from its QuickBooks Online company via QBO's connected-apps interface, or upon thirty (30) days' written notice from either party. Upon termination, the operator will:

• Stop all automated API calls to the Business's QBO company
• Invalidate the App's stored OAuth credentials
• Delete the credentials from the operator's 1Password vault within 30 days

The ledger of historical processed invoices may, at the Business's written request, also be deleted upon termination.

7. Governing law

This Agreement is governed by the laws of the United States and the State of Ohio, without regard to its conflict-of-law principles. Any dispute arising under this Agreement shall be brought in the state or federal courts located in Ohio.

Contact

Questions about this Agreement:

Greg Curtiss — gcurtiss91@proton.me