Terms of Service

Who we are

GRAI is bookkeeping software made by GRAI Strategies, a Nevada company. These terms are the agreement between you and GRAI Strategies for using GRAI on the web, on your phone, or through an app store.

What GRAI does

GRAI reads the bank and card statements you send, or the accounts you connect, checks each statement against its own opening and closing balance, books what is clear, and asks you about what is not. It produces reports from your answers and your statements. Every number in your books comes from a statement verified to the bank or from an answer you gave.

What GRAI is not

GRAI is not a tax return, not tax advice, not legal advice, and not an accountant. The reports, the gray-area strategies, and every explanation in the app are information to take to your tax preparer, who makes the final decision. You are responsible for your own filings and for the accuracy of the answers you provide.

Audit protection (optional add-on)

Audit protection is an optional add-on for $9.99 a month, billed with your subscription and can be canceled at any time from the billing page. If the IRS or a state tax agency asks about a period GRAI kept while the add-on was active and paid, we assemble the records behind the numbers in your books (the statements, the answers, receipts and notes you gave us) into an organized package with a written explanation that you and/or your preparer can use to respond. Audit protection helps you respond. It does not guarantee any outcome; it is not representation before the IRS or any agency; it is not legal or tax advice; and it rests solely on the information you provided to GRAI. GRAI Strategies is not liable for any tax, penalty, interest, cost or other result of an audit, notice or inquiry, and you agree that your only remedy for any issue with the add-on is a refund of the add-on fees paid for the months in question.

Your account

You sign in with a code texted to your mobile phone, and an emailed link the first time on a new device. Keep your phone and your email to yourself. Anything done while signed in to your account is deemed to be done by you. Tell us immediately at contact@graistrategies.com if you think someone else has access to your account.

Price and billing

Every new account starts with a free trial of thirty days, no card required, covering the month in which setup is completed; when the trial ends the account is read-only (nothing new is processed, bank connections are removed, nothing can be downloaded) until a subscription starts. GRAI costs $99 a month, charged when you start your subscription (or when the trial ends, if you start it during the trial) and every 30 days thereafter. Earlier months you choose to catch up are $25 each, charged when you choose them, before those books are opened. Accounts created through December 31, 2026 pay $49 a month for the renewals that fall in 2026 and $10 per catch-up month bought in 2026; from the first renewal in 2027 the regular $99 a month applies and catch-up months return to $25. A full past tax year, any of the last three completed years, can be bought on its own for $300: all twelve months and every account, one payment, no subscription; it opens GRAI for that year only. Prices can change with 30 days' notice by email. A partner code can make your first catch-up month free.

Non-payment

If a charge fails, we tell you and try again. While the account is unpaid you can still sign in to update your card, download reports for months already paid, or close the account, but the books stop until payment is current.

Cancelling

You can cancel from Settings at any time. Your access continues to the end of the period for which you paid, and your reports for paid months stay downloadable until then. No refunds for partial months. If you come back later, one win-back month may be offered once.

Your data

Your statements, answers and reports are your property. We use them to keep your books. GRAI learns which merchant is which from the transactions it sees and keeps that in its own vendor library, so classification improves; we do not use your data to train any AI model, and the AI provider we use does not train on it either. We never sell them. We share them only with the services that run GRAI (hosting, payments, text messages, bank connections) and only as needed to run it. Your identifiers such as EIN and phone number are stored encrypted, and everything is backed up nightly to encrypted off-site storage. The Privacy Policy has the details.

Deleting your account

Settings has a Delete account button. It removes your account, your business, every statement and every answer. It is final and takes effect immediately; keep copies of any report you need before you use it.

Texts and emails

By giving us your phone number you agree to receive sign-in codes and account messages by text. Message and data rates may apply. We email you about your books, your billing and, rarely, about GRAI itself. You can reply STOP to texts or unsubscribe from marketing email at any time; sign-in codes and billing notices continue while you have an account.

Acceptable use

Use GRAI for your own business or a business you are authorized to keep books for. Do not upload statements that are not yours, try to get around payment, or interfere with the service.

Our responsibility

We work hard to get every number right and to keep the service available, but GRAI is provided as is. To the extent the law allows, GRAI Strategies is not liable for indirect or consequential losses, and our total liability to you for any claim is limited to what you paid GRAI in the twelve months before the claim.

Changes

When these terms change, we show you the new version at your next sign-in and ask you to accept it before continuing. If you do not accept, you can download your reports and close the account.

Law and disputes

These terms are governed by the laws of the State of Nevada. Any dispute goes to the state or federal courts in Clark County, Nevada.

Contact

GRAI Strategies · contact@graistrategies.com