FINANCIALS

End-User License Agreement

Financials — The KRÄM Group internal financial reporting application

Effective date: October 4, 2026. This version replaces the agreement dated March 10, 2026.

Please read this End-User License Agreement ("Agreement") carefully before using this application. By accessing or using the App, you agree to be bound by the terms of this Agreement.

1. Grant of license

The KRÄM Group ("KRÄM") grants authorized employees and contractors ("Users") a limited, non-exclusive, non-transferable, revocable license to access and use Financials, KRÄM's internal financial reporting and bookkeeping-review application at https://financials.esplot.com (the "App"), solely for legitimate internal business purposes on behalf of KRÄM.

2. Authorized users

Access to the App is strictly limited to:

  • current employees of The KRÄM Group or any of its affiliated companies; and
  • contractors or consultants who have been explicitly authorized in writing by KRÄM leadership,

in each case signed in with a KRÄM-issued Google Workspace account and assigned a role in the App by a KRÄM administrator. Unauthorized access, sharing of credentials, or use of the App by any other person is strictly prohibited and may result in disciplinary action and legal liability.

3. Permitted use

Users may use the App solely to:

  • access and review KRÄM financial data from the connected QuickBooks Online companies and from the report files KRÄM exports from them;
  • generate internal financial reports and summaries for operational decision-making;
  • review the bookkeeping findings and recommendations the App produces, and act on them in QuickBooks in the ordinary course of their duties;
  • support KRÄM's internal accounting, operations and management functions.

Only administrators may connect or disconnect a QuickBooks Online company, and only for a company that belongs to KRÄM and for which they are an authorized QuickBooks administrator.

4. Restrictions

Users may not:

  • use the App for any purpose other than internal KRÄM business operations;
  • share, sublicense, sell or otherwise transfer access to the App to any third party;
  • attempt to reverse engineer, decompile or otherwise derive source code from the App;
  • use the App in any manner that violates applicable law, Intuit's terms of service, or KRÄM's internal policies;
  • connect, or attempt to access, the financial data of any company other than KRÄM's own companies;
  • export, transmit or disclose KRÄM financial data to unauthorized parties.

5. How the App works with QuickBooks

The App reads data from QuickBooks Online through the Intuit Developer API under an authorization granted by a KRÄM administrator. It does not create, change or delete data in QuickBooks. Its bookkeeping findings and recommendations, including those written with the help of an AI model, are advisory: they are prepared automatically, may be incomplete or wrong, and must be reviewed by a qualified person before any change is made in the books. Nothing the App produces is accounting, tax or legal advice.

6. Ownership

The App, including all associated code, configurations and integrations, is the proprietary property of The KRÄM Group. This Agreement grants Users a license to use the App and transfers no ownership rights. All rights not expressly granted are reserved by KRÄM.

7. Third-party services

The App integrates with Intuit QuickBooks Online through the Intuit Developer API and uses the service providers named in the App's Privacy Policy. Users acknowledge that use of the App is subject to Intuit's applicable terms and that KRÄM is not responsible for the availability, accuracy or performance of Intuit's or any other third party's services.

8. Confidentiality and privacy

All financial data accessed through the App is confidential and proprietary business information of The KRÄM Group. Users agree to keep it confidential and to handle it in accordance with KRÄM's internal data-handling policies. The App's Privacy Policy, at https://financials.esplot.com/legal/privacy, describes how the App handles data and forms part of this Agreement.

9. Disclaimer of warranties

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. KRÄM DOES NOT WARRANT THAT THE APP WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ITS REPORTS, FINDINGS OR RECOMMENDATIONS ARE ACCURATE OR COMPLETE.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KRÄM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING FROM THE USE OF OR INABILITY TO USE THE APP, EVEN IF KRÄM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Termination

This license is effective until terminated. KRÄM may revoke any User's access at any time, with or without notice, for any reason, including violation of this Agreement or the end of employment or engagement. Upon termination the User must immediately cease all use of the App.

12. Governing law

This Agreement is governed by the laws of the State of Michigan, without regard to its conflict-of-law provisions. Any dispute arising under this Agreement is subject to the exclusive jurisdiction of the courts located in Osceola County, Michigan.

13. Amendments

KRÄM may modify this Agreement at any time. The current version is posted at https://financials.esplot.com/legal/eula; material changes are communicated to authorized Users. Continued use of the App after a change takes effect constitutes acceptance of the revised Agreement.

14. Contact

The KRÄM Group — Operations Email: legal@thekramgroup.com Headquarters: Reed City, Michigan, USA

This Agreement governs internal use only. The App is not licensed for use outside The KRÄM Group.