End-User License Agreement

Terms of Service

Published

November 13, 2025

Last Updated: November 13, 2025
Effective Date: November 13, 2025

Change Log: No updates, original version.


Introduction

This End-User License Agreement (“Agreement” or “EULA”) is a legal agreement between you (either an individual or a single entity, referred to as “you” or “User”) and Second Difference Solutions, LLC (the “Company”, “we”, or “us”), the developer of business analytics software applications and services. By installing, accessing, or using any of our Applications, you acknowledge that you have read and understood this EULA and agree to be bound by its terms.

If you do not agree to these terms, you must not install or use the Applications. If you are accepting these terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to this EULA. If you do not have such authority, or if you do not agree with the terms, you must not use the Applications.


Definitions

For the purposes of this Agreement, the following terms have the meanings set forth below:

“Applications” or “Services”: The suite of business analytics software applications and services provided by Second Difference Solutions, LLC, including but not limited to:

  • BizAnalyzer: Business analytics application that connects to Intuit QuickBooks® APIs to retrieve and analyze accounting data for financial reporting and business insights
  • EconAnalyzer: Economic trends analysis application that retrieves and analyzes economic data from public sources including the U.S. Energy Information Administration (EIA) and Federal Reserve Economic Data (FRED) APIs to provide economic insights and forecasting
  • MarketAnalyzer: Market analysis application that retrieves and analyzes financial market data from public sources including Alpha Vantage APIs to provide stock market insights, portfolio tracking, and market trend analysis
  • Custom Apps: Bespoke business solutions and integrations developed for specific client needs
  • AI Tools: Free AI-powered tools including chatbots (AIBot) and AI agents (AIAgent) for general business assistance


Each Application may have specific features, data sources, and functionality as described in its respective documentation. Your use of any Application is subject to this Agreement.

  • “Company”: Second Difference Solutions, LLC, including its owners, officers, directors, employees, and agents.
  • “User” (“you”): The individual or legal entity accessing or using the Applications.

“Third-Party Services”: External services and APIs that our Applications integrate with or retrieve data from, including:

  • For BizAnalyzer: Intuit QuickBooks® API (accounting data)
  • For EconAnalyzer: U.S. Energy Information Administration (EIA) API and Federal Reserve Economic Data (FRED) API
  • For MarketAnalyzer: Alpha Vantage API (market data)
  • For All Applications: Stripe (payment processing), Google Firebase (authentication and hosting), Google Analytics (usage analytics)


Third-Party Services are governed by their respective terms of service and privacy policies. We are not responsible for the availability, accuracy, or practices of Third-Party Services.


“Your Data”: Information you provide or that the Applications retrieve on your behalf from Third-Party Services (such as QuickBooks financial data), as well as any content you create using the Applications.


License Grant and Scope

Subject to your compliance with this Agreement and payment of any applicable fees, the Company grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable license to use the Applications for your internal business purposes.

This license permits you to use the Applications only in accordance with their documentation and intended functionality. For example:

  • Using BizAnalyzer to retrieve your accounting data from QuickBooks and generate financial reports
  • Using EconAnalyzer to analyze economic trends and business conditions
  • Using MarketAnalyzer to track market data and analyze investment trends
  • Using AI Tools for general business assistance


All rights not expressly granted to you in this EULA are reserved by the Company.


Acceptable Use and Restrictions

General Restrictions

You agree to use the Applications only for lawful purposes and in accordance with this Agreement. In using the Applications, you agree not to:

  • Use the Applications in any manner that violates any applicable law or regulation, including applicable privacy, data protection, financial, or securities laws
  • Reverse engineer, decompile, decrypt, or disassemble any Application, or attempt to derive the source code or underlying ideas or algorithms, except to the extent expressly permitted by law
  • Copy, modify, adapt, or create derivative works based on the Applications (except to the extent expressly permitted by the Company or by any applicable open-source license)
  • Rent, lease, lend, sell, sublicense, or redistribute the Applications or any portion to any third party without the Company’s prior written consent
  • Use the Applications to develop or assist in developing a competing product or service, or otherwise exploit the Applications in an unauthorized or improper manner
  • Use the Applications to transmit any viruses, malware, or harmful code, or otherwise attempt to interfere with the proper working of the Applications or any related systems
  • Permit any third party outside your organization to use the Applications, or share your access credentials with any unauthorized person
  • Use the Applications in a way that infringes or misappropriates the intellectual property rights of any third party, or that violates anyone’s rights of privacy or publicity
  • Attempt to overwhelm or abuse rate limits of any APIs or services used by the Applications
  • Use any Application for purposes other than its intended functionality as described in the documentation


If you are an entity, you may allow your authorized employees or agents to use the Applications on your behalf, solely for your internal business purposes, provided they abide by this EULA and you remain responsible for their compliance.


Application-Specific Use Restrictions

BizAnalyzer Users

You agree not to:

  • Use the QuickBooks integration to access data from QuickBooks accounts that you do not own or have proper authorization to access
  • Share QuickBooks access tokens or credentials with unauthorized parties
  • Use retrieved QuickBooks data for any purpose other than your internal business analysis
  • Violate Intuit’s Terms of Service or QuickBooks API usage policies
  • Use QuickBooks data to create competing services or products
  • Redistribute or resell QuickBooks data obtained through BizAnalyzer


EconAnalyzer Users

You agree not to:

  • Redistribute or resell economic data retrieved through the Application in violation of EIA or FRED terms of use
  • Use the Application to create competing economic data services
  • Attempt to overwhelm or abuse the rate limits of underlying APIs (EIA, FRED)
  • Claim ownership of public economic data retrieved through the Application
  • Use the Application to manipulate or misrepresent economic data


MarketAnalyzer Users

You agree not to: - Use market data retrieved through the Application for algorithmic trading without proper licensing - Redistribute or resell market data in violation of Alpha Vantage terms of use - Use the Application for unauthorized financial advice or securities recommendations - Claim that analysis provided by MarketAnalyzer constitutes professional investment advice - Use the Application to execute trades or manage third-party accounts - Violate securities laws or regulations in your use of market data

Important Disclaimer for MarketAnalyzer: Market data and analysis provided by MarketAnalyzer is for informational and educational purposes only. It does not constitute financial advice, investment recommendations, or an offer to buy or sell securities. We are not registered investment advisors or broker-dealers. You are solely responsible for your own investment decisions and should consult with qualified financial professionals before making investment decisions.


All Users

You agree not to:

  • Use any Application to violate securities laws, financial regulations, or data protection laws
  • Attempt to reverse engineer or extract proprietary algorithms or analysis methods from any Application
  • Use the Applications for any illegal purposes or to facilitate illegal activities
  • Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity
  • Interfere with or disrupt the integrity or performance of the Applications or the data contained therein


Intellectual Property Rights

Company’s Intellectual Property

The Applications (including all software code, designs, algorithms, user interfaces, and content) are the intellectual property of the Company or its licensors and are protected by copyright, trade secret, and other intellectual property laws. The Company retains all rights, title, and interest in and to the Applications and related documentation. Your use of the Applications does not grant you any ownership rights in the Applications or the underlying intellectual property.


Third-Party Trademarks and Data Attributions

All trademarks and logos appearing in our Applications are the property of their respective owners:

  • Intuit and QuickBooks are trademarks or registered trademarks of Intuit Inc. (used in BizAnalyzer for API integration and identification purposes)
  • Alpha Vantage is a trademark of Alpha Vantage Inc. (used in MarketAnalyzer for market data retrieval)
  • Economic data provided by the U.S. Energy Information Administration (EIA) and the Federal Reserve Economic Data (FRED) service operated by the Federal Reserve Bank of St. Louis (used in EconAnalyzer)


Use of such marks and data sources in our Applications is for identification, compatibility, and data retrieval purposes only. The Company is an independent software provider and is not affiliated with, endorsed by, or in partnership with any of these organizations unless explicitly stated otherwise.


Data Licensing and Ownership

Your Data: You retain all rights to the data you upload to the Applications or that the Applications retrieve on your behalf from Third-Party Services (such as your QuickBooks financial data). By using the Applications, you grant the Company a limited license to process Your Data solely for the purpose of providing the Services to you.


Public Data: Market data, economic data, and other publicly available information retrieved through our Applications remains subject to the licensing terms of the originating data provider. Users are responsible for complying with such terms in their use of data obtained through our Applications. The Company does not claim ownership of publicly available data.


Company-Generated Analysis: Reports, insights, and analysis generated by the Applications using Your Data and/or public data are the result of the Company’s proprietary algorithms and methods. While you have the right to use these reports for your internal business purposes, the underlying algorithms, methodologies, and software remain the intellectual property of the Company.


Privacy and Data Use

Use of the Applications may involve access to and processing of data that you provide or that we retrieve on your behalf from Third-Party Services, which may include personal information and financial information.

Your Data: You retain all rights to Your Data (as defined above). By using the Applications, you grant the Company permission to process and use Your Data for the purposes of providing the Services (such as generating reports and insights for you) and as otherwise described in our Privacy Policy.

Privacy Policy: The Company will handle and protect Your Data in accordance with our Privacy Policy, which is incorporated by reference into this EULA and available at https://2diff.io/info/privacy.html.

By agreeing to this EULA, you also agree to the terms of the Privacy Policy. If you do not agree to the Privacy Policy or our handling of data as described, you must not use the Applications.


Application-Specific Data Practices:

  • BizAnalyzer: Accesses your QuickBooks financial data with your explicit authorization via OAuth. Data is used solely to generate financial reports for you.
  • EconAnalyzer: Retrieves publicly available economic data on your behalf. Does not access your personal financial accounts.
  • MarketAnalyzer: Retrieves publicly available market data. If you use portfolio tracking features, your portfolio information is stored in your user profile but we do not access your brokerage accounts.

For complete details on how we collect, use, and protect your information, please review our Privacy Policy.


Fees and Payment

Use of the Applications may be subject to fees, such as a monthly subscription fee or a one-time purchase price, as described on our website or in a separate agreement. You agree to pay all applicable fees associated with the Applications in a timely manner, in accordance with the pricing and payment terms provided.

Subscription Tiers: Different Applications are available at different subscription levels. You are responsible for maintaining an active subscription for each Application you wish to access. BizAnalyzer, EconAnalyzer, and MarketAnalyzer are each offered as separate paid subscriptions. Some AI tools (AIBot, AIAgent) may be offered at no charge. Current pricing is available on our website at https://2diff.io/apps.html.

Payment Terms: Unless otherwise specified, all fees are due in advance and are non-refundable. Subscription fees are billed on a recurring basis (monthly or annually) until you cancel. You authorize the Company (or its payment processor, Stripe) to charge your payment method on file for all applicable fees.

Fee Changes: The Company may change the fees or introduce new fees for the Applications upon reasonable notice to you (for example, by posting updated pricing on our website or through an in-app notification, with at least 30 days’ notice). Continued use of the Applications after a fee increase constitutes acceptance of the new fees.

Failed Payments: If you fail to pay the required fees when due, the Company reserves the right to suspend or terminate your access to the Applications. We may attempt to contact you and retry payment, but you are responsible for ensuring your payment method is current and has sufficient funds.

Taxes: All fees and charges are exclusive of applicable taxes, duties, and other governmental charges. You are responsible for paying any taxes or duties associated with your purchase or use of the Applications, other than taxes on the Company’s income.


Term and Termination

This Agreement is effective from the time you accept it (or first use any Application) and will continue in effect until terminated by either party.

Termination by You: You may terminate this EULA at any time by: 1. Cancelling your subscription(s) through your account dashboard 2. Ceasing all use of the Applications 3. If applicable, uninstalling the Applications from your devices 4. For BizAnalyzer users: Disconnecting the QuickBooks integration through your dashboard

Termination by Company: The Company may terminate this Agreement or suspend your access to the Applications at any time, with or without prior notice, if: - You violate any term of this EULA - You fail to pay required fees - Your use of the Applications poses a security risk or violates applicable law - We decide to discontinue the Applications or any specific Application

If we terminate for our convenience (not due to your breach), we will endeavor to provide you with prior notice and, if you have a paid subscription, a pro-rated refund for any unused portion of your subscription period.

Effects of Termination: Upon termination of this Agreement for any reason:

    1. All rights granted to you under this EULA will immediately cease
    1. You must stop all use of the Applications
    1. You must destroy any copies of the Applications in your possession or control
    1. For BizAnalyzer: OAuth access to QuickBooks will be revoked and we will delete your QuickBooks data as described in our Privacy Policy
    1. You will have 90 days to download any reports or data you created using the Applications (after which such data will be deleted)
    1. Any provisions of this EULA that by their nature should survive termination (such as provisions regarding intellectual property, warranties and disclaimers, liability limitations, indemnification, and dispute resolution) will survive


Disclaimer of Warranties

THE APPLICATIONS ARE PROVIDED “AS IS” AND “AS AVAILABLE”. To the fullest extent permitted by applicable law, the Company disclaims all warranties and conditions, express or implied, regarding the Applications and your use of them. This includes, but is not limited to, any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade.

No Guarantee of Results: The Company does not warrant that the Applications will: - Meet your requirements or expectations - Achieve any intended results - Be compatible with all systems or devices - Operate uninterrupted, error-free, or securely - Be free of viruses or other harmful components

We do not guarantee that any errors or defects in the Applications will be corrected, although we will make commercially reasonable efforts to fix material issues.

Third-Party Services: You acknowledge that the Applications rely on Third-Party Services including QuickBooks APIs, EIA and FRED APIs, Alpha Vantage APIs, and others. The availability, accuracy, and functionality of the Applications may depend on these external services.

The Company makes no warranty or guarantee regarding: - The availability, accuracy, or reliability of any data obtained from Third-Party Services - The continued operation or availability of Third-Party Services - Changes made by third parties to their services or APIs that may affect the Applications

For example, Intuit (the provider of QuickBooks) may modify its services or APIs in ways that affect BizAnalyzer’s operation, and the Company is not responsible for such changes or their impact on the Applications.

Financial and Investment Disclaimers: - MarketAnalyzer: The Company is not a registered investment advisor or broker-dealer. Market data and analysis provided are for informational purposes only and do not constitute financial advice or investment recommendations. - EconAnalyzer: Economic forecasts and analysis are based on historical data and models but cannot predict future events with certainty. - BizAnalyzer: Financial reports and analysis are tools to assist with business decisions but should not be the sole basis for any business decision. You should consult with qualified accountants, financial advisors, and legal professionals.

Use at Your Own Risk: You acknowledge that you use the Applications at your own risk and are responsible for your own business, financial, and investment decisions.


Limitation of Liability

To the maximum extent permitted by law, in no event shall the Company or its affiliates, officers, employees, agents, or licensors be liable to you for any:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, business, or anticipated savings
  • Loss of data or business opportunities
  • Costs of procurement of substitute goods or services
  • Business interruption or loss of goodwill

arising out of or related to: - This Agreement - Your use of (or inability to use) the Applications - Any Third-Party Services or data - Unauthorized access to or alteration of your data or transmissions - Statements or conduct of any third party using the Applications

even if the Company has been advised of the possibility of such damages.

Aggregate Liability Cap: In no event shall the Company’s total cumulative liability for all claims arising under or relating to this Agreement exceed the amount actually paid by you for the Applications or Services in the twelve (12) months immediately preceding the event giving rise to the liability. If you have not paid any fee to the Company for the use of the Applications (for example, if you are using free AI Tools), the Company’s maximum liability shall be $100 USD.

Basis of Bargain: The limitations in this section apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, and even if a limited remedy fails of its essential purpose. These limitations reflect the allocation of risk between the parties and are a fundamental part of the basis of the bargain.

Jurisdictional Exceptions: Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. If applicable law prohibits certain exclusions or limitations set forth above, those exclusions or limitations shall apply to you only to the extent permitted by law. In such cases, the Company’s liability will be limited to the maximum extent permitted by applicable law.


Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, and their respective officers, directors, employees, agents, and licensors, from and against any and all third-party claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) that arise out of or relate to:

  • Your use of the Applications in violation of this Agreement or any applicable law or regulation
  • Your violation of any third-party rights, including intellectual property rights, privacy rights, or confidentiality obligations
  • Any data, content, or materials you submit to or process through the Applications (including Your Data), and any claim that such data or its use in the Applications infringes, misappropriates, or violates the rights of any third party or any law
  • Your gross negligence or willful misconduct
  • For BizAnalyzer users: Your unauthorized use of QuickBooks data or violation of Intuit’s Terms of Service
  • For MarketAnalyzer users: Any investment decisions or trading activities you undertake based on information from the Application

The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you (in which case you will cooperate with the Company’s defense of such claim). You agree not to settle any such matter without the prior written consent of the Company.

This indemnification obligation will survive any termination of this Agreement.


Dispute Resolution and Arbitration

Arbitration Agreement: You and the Company agree that any dispute, claim, or controversy arising out of or relating to this Agreement or the use of the Applications shall be resolved exclusively by binding arbitration, rather than in court, except for matters that may be brought in small claims court (if the claim qualifies) or as provided in the Exception for Injunctive Relief below.

Arbitration Process: - The arbitration will be conducted by a neutral arbitrator mutually agreed upon by you and the Company - If the parties cannot agree on an arbitrator within 30 days, either party may request that the American Arbitration Association (AAA) appoint an arbitrator in accordance with its Commercial Arbitration Rules - The arbitration may be conducted in person in a mutually agreed location (or in Clarksburg, West Virginia if no agreement is reached), or via a remote hearing (video or telephone conference) as determined by the arbitrator in consultation with the parties - Each party shall bear its own attorneys’ fees and costs - The parties shall split the arbitrator’s fees and any arbitration administrative costs equally, unless the arbitrator determines a different allocation is required by law or deems a different allocation appropriate based on the circumstances

Governing Rules: The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16) and the Commercial Arbitration Rules of the AAA, to the extent those rules do not conflict with this Agreement.

Arbitrator’s Authority: The arbitrator shall apply the applicable law and the terms of this Agreement, and shall have the authority to award any relief that a court of competent jurisdiction could award (including injunctive relief, specific performance, and attorneys’ fees if warranted by law), except that the arbitrator shall not award any damages or remedies expressly precluded by this Agreement (such as the limitation of liability provisions above).

Waiver of Class Actions: You and the Company agree that all disputes will be resolved on an individual basis and that no class, collective, or representative actions shall be pursued or maintained in arbitration or otherwise. You may only resolve disputes with us on an individual, case-by-case basis, and may not bring a claim as a plaintiff or class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed.

Exception – Injunctive Relief: Notwithstanding the above arbitration requirement, either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights or confidential information from misappropriation or infringement, without first engaging in arbitration. Such court proceedings may be brought in the state or federal courts located in West Virginia.

Opt-Out Right: You may opt out of this arbitration agreement by sending written notice to the Company at the address listed in the Contact Information section within 30 days of first accepting this EULA or first using the Applications (whichever is earlier). Your opt-out notice must include your name, email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you and the Company agree that disputes will be resolved in court as described in the Governing Law section below.


Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of West Virginia, USA, without regard to its conflict of law principles.

Venue for Non-Arbitrable Disputes: You agree that any dispute that is not subject to arbitration (either because it falls within an exception above, or because the arbitration clause is found to be unenforceable by a court) shall be resolved exclusively in the state or federal courts located in West Virginia, USA. You consent to the exercise of personal jurisdiction by such courts and waive any objection to venue in those courts.

International Users: If you are accessing the Applications from outside the United States, you acknowledge that you are voluntarily choosing to access the Applications and that the laws of the United States and West Virginia will apply. You are responsible for compliance with any local laws in your jurisdiction.


Changes to this Agreement

The Company reserves the right to modify or update this EULA from time to time. If we make material changes, we will notify you by: - Posting the updated Agreement on our website at https://2diff.io/info/terms.html - Updating the “Last updated” date at the top of this EULA - Sending you an email notification to the email address associated with your account (for material changes) - Posting a notice in the Applications or on our website

We encourage you to review this Agreement periodically. Your continued use of the Applications after any modifications to this EULA will constitute your acceptance of the updated terms.

If you do not agree to the revised terms, you must stop using the Applications and, if applicable, cancel your subscription. If you have a paid subscription and you cancel within 30 days of being notified of a material change that negatively affects your rights, you may be eligible for a pro-rated refund of any prepaid fees for the remainder of your subscription period.

Version History: Previous versions of this EULA are available upon request by contacting us at the email address listed below.


General Provisions

Entire Agreement: This EULA (including the Privacy Policy incorporated by reference) constitutes the entire agreement between you and the Company regarding the Applications and supersedes all prior or contemporaneous agreements, communications, or understandings (whether written or oral) regarding the subject matter.

Severability: If any provision of this EULA is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving the parties’ original intent.

Waiver: No waiver of any term or provision of this EULA shall be deemed a further or continuing waiver of such term or any other term. The Company’s failure to assert any right or provision under this EULA shall not constitute a waiver of such right or provision.

Assignment: You may not assign or transfer this Agreement or any rights or obligations under it without the Company’s prior written consent. The Company may assign this Agreement, in whole or in part, at any time with or without notice to you (for example, in connection with a merger, acquisition, or sale of assets). This Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

No Third-Party Beneficiaries: This Agreement is for the benefit of the parties only and not for the benefit of any third party. No third party shall have any rights to enforce any term of this Agreement.

Force Majeure: Neither party shall be liable for any failure or delay in performance under this Agreement (other than payment obligations) due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, or governmental actions.

Export Compliance: You agree to comply with all applicable export and import laws and regulations. You represent that you are not located in a country subject to U.S. government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. government list of prohibited or restricted parties.

Language: This Agreement is drafted in English. If this Agreement is translated into any other language, the English version shall control and prevail in the event of any conflict or inconsistency.


Contact Information

If you have any questions, concerns, or comments about this Agreement or the Applications, please contact us at:

Second Difference Solutions, LLC
Clarksburg, WV 26301, USA

Email Contacts: - General inquiries: info@2diff.io - Legal matters: info@2diff.io - Technical support: info@2diff.io

Website: https://2diff.io

We will attempt to respond to any inquiries within a reasonable timeframe (typically 3-5 business days for general inquiries, faster for urgent technical issues).

By using our Applications, you acknowledge that you have read this End-User License Agreement, understand it, and agree to be bound by its terms and conditions.