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Portal Terms of Use

Last updated: July 28, 2026

1. About these terms

Vaulted OS is a client portal operated by Endless Winning LLC, a Florida limited liability company ("Endless Winning," "we," "us").

We provide Vaulted OS to you as part of the bookkeeping services described in your engagement letter. These terms govern your use of the portal. Your engagement letter governs the services themselves, including scope, fees, and term — if anything here conflicts with it, the engagement letter controls.

By accessing the portal, you agree to these terms. If you are accepting on behalf of a business, you confirm you have authority to do so.

2. Your account

Keep your account information accurate and your login credentials confidential. You are responsible for activity under your account.

If your business has multiple users, you are responsible for who you invite and what they can see.

Tell us immediately at security@vaultedos.com if you think your account has been compromised.

3. Acceptable use

You may not:

  • Use the portal in violation of any law;
  • Attempt to access another business's information, or circumvent access controls;
  • Probe, scan, or test the security of the portal, except through the responsible-disclosure route below;
  • Interfere with or disrupt the portal, or place an unreasonable load on it;
  • Reverse engineer, decompile, copy, or attempt to derive the source code of the portal, except where that restriction is unenforceable by law;
  • Resell or provide access to anyone outside your business.

Responsible disclosure. Report security issues to security@vaultedos.com. We will not pursue good-faith security research reported to us that way, and nothing in Section 13 makes you responsible for it.

4. Your information

Your financial records are yours. You keep all rights to the records, documents, and information in your Vaulted OS workspace.

You allow us to host, process, and transmit that information in order to perform your bookkeeping and operate the portal — including sending it to the service providers named in our Privacy Policy. This permission continues for information we keep after your engagement ends, as described in Section 10. How we handle your information is described in our Privacy Policy.

Accuracy. We work from what we receive. Bank feeds, uploaded documents, and information you enter are not independently verified for accuracy or completeness by the portal. Reviewing your financial records remains important, and your engagement letter describes what professional review we perform.

5. Connecting bank accounts

If you connect a bank account, you confirm you are authorized to do so for that account.

Bank connections run through Plaid. Your bank credentials are entered directly with Plaid and never reach us. What Plaid provides to us, and how to disconnect, are described in our Privacy Policy.

Your relationship with your bank is governed by your agreement with your bank. We are not responsible for a financial institution's acts or omissions, or for data a bank makes available or withholds.

6. Automated processing, and what the portal is not

Vaulted OS uses automated tools, including third-party AI services, to read documents and suggest how transactions should be categorized. To read a document, we send it — the whole page — to the AI services that do that reading: Google Document AI, Google Gemini, Anthropic and OpenAI. We also send merchant names and descriptions, and nothing else, to Perplexity to identify unfamiliar merchants. Our Privacy Policy lists every provider and exactly what each one receives. These are suggestions. They are reviewed as part of the bookkeeping work performed under your engagement letter.

The portal's automated output is not, by itself, professional work product. Reports and figures generated by the portal reflect the data supplied to it at that moment and may include transactions not yet reviewed. What professional services we perform — and what has been reviewed, reconciled, or closed — is defined by your engagement letter, not by what a screen displays.

Nothing in the portal constitutes an audit, review, or compilation under any professional standard.

7. Text-message receipts

If enabled for your account, Vaulted OS lets you send receipt photos by text message. The program is operated on our behalf by Twilio.

What the messages are. Service messages about your own account — confirming a receipt arrived, or telling you we could not read one. We do not send marketing or promotional text messages.

Opting in. You opt in by enabling the channel for your account and sending a receipt. Using it is optional and is not a condition of using Vaulted OS, of engaging us for bookkeeping, or of any purchase. Consent applies only to this program; it is not transferable and we do not assign or sell it.

Frequency and cost. Message frequency varies with how often you send receipts. Message and data rates may apply, depending on your mobile plan.

Stopping. Reply STOP at any time to opt out; we will send one confirmation and then stop. Reply HELP for help, or contact support@vaultedos.com. Carriers are not liable for delayed or undelivered messages.

Your mobile information. We do not share mobile information, text-message opt-in data, or messaging consent with any third party or affiliate for marketing or promotional purposes. See our Privacy Policy.

8. Confidentiality

We treat your information as confidential and will not disclose it except as described in our Privacy Policy, as you direct, or as required by law.

Our service providers handle it under their own published terms and privacy commitments, which we review before choosing them. We do not negotiate separate data agreements with each provider. Every one is named in our Privacy Policy, so you can read those terms yourself.

9. Availability

We work to keep the portal available but do not commit to any specific level of availability or uptime. The portal may be unavailable for maintenance or provider outages.

10. When access ends

Your access to the portal ends when your engagement with Endless Winning ends, or if you materially breach these terms.

What happens to your information:

  • The portal has no self-service export. To get a copy of your records, ask us and we will produce it manually.
  • The portal does not delete information automatically — not when an engagement ends, and not on any schedule. Information remains until removed on request.
  • To have information deleted, contact privacy@vaultedos.com. We handle these requests manually. Some financial records are retained for legitimate accounting and tax purposes.
  • Disconnect any linked bank accounts before your engagement ends. Ending access does not by itself withdraw your bank's authorization.

11. Disclaimers

This section is about the portal — the software. It does not reduce what we owe you as your bookkeepers. The professional services we perform, and the care we owe in performing them, are defined by your engagement letter. Nothing in this section changes that.

The portal is provided "as is" and "as available." To the fullest extent the law allows, we make no warranties about the portal itself, express or implied — including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In particular:

  • We do not promise the portal will be uninterrupted, error-free, or free of harmful components. Section 9 describes availability.
  • Automated output — extracted text, suggested categories, unreviewed figures on a screen — is not warranted to be accurate or complete. Section 6 describes what that output is and what it is not. This does not limit the bookkeeping services themselves.
  • We do not answer for your bank or your mobile carrier — your agreements with them govern. The providers we choose, like Plaid, AI services, and hosting, may have outages or errors we cannot prevent, and we do not warrant their services. What we owe you when handling your information is described in Section 8 and our Privacy Policy.

Some laws do not allow certain warranties to be disclaimed. Where that is the case, this section applies only as far as the law permits.

12. Limitation of liability

This section limits liability connected to the portal, not the bookkeeping services. Claims about the bookkeeping work — even work delivered, displayed, or performed through the portal — are governed by your engagement letter. Nothing in this section caps or excludes them.

To the fullest extent the law allows:

  • No indirect damages. Neither of us is liable to the other for indirect, incidental, consequential, special, or punitive damages arising out of the portal — including lost profits, lost data, or business interruption — even if told such damages were possible.
  • Cap. Our total liability arising out of the portal will not exceed what you paid us under your engagement letter in the twelve months before the claim arose — in plain terms, about a year of bookkeeping fees. If your engagement has already ended, it is the last twelve months of it.

These limits do not apply to fraud or willful misconduct by either of us, to your obligations under Section 13, or to any liability that cannot be limited by law.

13. Indemnification

You will cover us — including reasonable legal fees — for claims brought by a third party that arise from:

  • Content you upload that you did not have the right to upload;
  • Connecting a bank account you were not authorized to connect;
  • Use of the portal by you or your users in violation of law or of Section 3 — except good-faith security research reported under Section 3, which this section does not cover.

If such a claim arises, we will tell you promptly. You may control the defense, and we may participate with our own counsel at our own expense. You will not settle a claim in a way that admits fault on our behalf without our consent.

This section covers claims by third parties. Claims between you and us about the services are governed by your engagement letter.

14. Changes to these terms

We may update these terms. If we make material changes we will update the date above and notify you. Continuing to use the portal after changes take effect means you accept them.

15. Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles.

Venue. Any dispute arising out of the portal that we cannot resolve informally will be brought in the state or federal courts located in Hillsborough County, Florida. Both of us consent to those courts and waive any objection to them as an inconvenient forum. If your engagement letter contains its own dispute-resolution terms, those control for disputes it covers.

Class actions. Any dispute arising out of the portal will be brought individually. Neither of us will bring, or participate in, a class or representative action against the other relating to the portal. As with venue above, your engagement letter controls for the disputes it covers.

16. General

These terms, together with your engagement letter and our Privacy Policy, are the entire agreement about your use of the portal. Your engagement letter controls in the event of a conflict. If a provision is unenforceable, the rest remains in effect. You may not transfer these terms without our consent.

Sections 4, 8, 10 through 13, and 15 continue to apply after your access to the portal ends.

17. Contact

General: support@vaultedos.com Privacy: privacy@vaultedos.com Security: security@vaultedos.com Mail: Endless Winning LLC, 11124 Great Neck Road, Riverview, FL 33578