Compliance & Regulatory Disclosures

1. Platform role

• TripleBooks, Inc. provides financial technology and software — an AI-native ERP with ledger, operations modules, integrations, and optional verification artifacts. TripleBooks is a platform provider, not a bank, broker, money transmitter, CPA firm, or auditor.
• The Service records accounting and operational data you and your team enter or sync through authorized integrations. Core bookkeeping, reporting, and workflow features do not require Treasury or payment-rail enablement.

2. Custody and records

TripleBooks hosts your organization's application data — including ledger entries, documents, and configuration — in isolated tenant databases on TripleBooks Cloud. We encrypt sensitive fields at rest and maintain tamper-evident audit logging as described on our Security page.

For standard ERP use, TripleBooks does not take custody of your operating bank accounts. Bank and card feeds you connect remain at your financial institutions; TripleBooks ingests transaction data through authorized aggregation services.

3. Insurance and balance disclosures

Prepaid platform credits and standard subscription-style billing processed through our payment partners are subject to those partners' terms. They are separate from Treasury operating balances described below.

Optional — Treasury operating balance: If you enable Treasury, your entity may hold an operating balance used for invoice remittance, inbound customer payments, and outbound sends on supported rails. That balance is not FDIC insured and not SIPC protected. Stablecoin-denominated operating balances can be exposed to smart contract, market, liquidity, and counterparty risks depending on the rail and configuration in effect for your account.

4. Treasury and payment rails (optional)

Treasury features — including virtual account deposit instructions on invoices, operating balance funding, and linked-bank withdrawals — are delivered in partnership with regulated third-party providers. Bridge Ventures LLC and its banking partners provide money-movement and compliance services for supported ACH, wire, and stablecoin settlement paths when you opt in.

• TripleBooks provides the software interface, ledger posting, and reconciliation workflows.
• Bridge and its partners handle customer identification, sanctions screening, and transaction processing required for the payment program.
• Deposit instructions, settlement timing, fees, and supported corridors are shown in-product when you configure Treasury for an entity.

Yield or incentive language shown in-product, if any, is program- specific, may change, and is disclosed at enablement. It is not a guaranteed return on your operating balance unless expressly stated in a signed agreement.

5. KYC, AML, and sanctions controls

Organizations that enable Treasury complete identity and compliance review through TripleBooks's payment partners, including Bridge, before virtual accounts or operating-balance activity is activated. Sanctions screening and AML monitoring apply to activity on those rails in accordance with partner program requirements.

Core ERP usage without Treasury does not require payment-rail KYC, though your organization remains responsible for compliance with laws applicable to your business and books.

6. Verification and auditor access

• Period-close proofs: where enabled, zero-knowledge proofs attest that exported close packages satisfy stated computational checks. Proofs are cryptographic artifacts — not audit opinions, regulatory certifications, or financial advice.
• Viewing keys: you can grant scoped, read-only access to specific books, periods, or account ranges for auditors, investors, or regulators, with optional expiry.
• Audit exports: full audit trails and certified packages can be exported for external review. See our Verify page for how independent verification works.

7. Bilateral counterparty protocol (optional)

Where available, the bilateral protocol lets counterparties propose, accept, and finalize shared ledger transitions. Finalized transitions cannot be unilaterally revoked. You are responsible for reviewing proposals before acceptance. Additional terms appear in our Terms of Service.

8. AI assistant governance

Luca, TripleBooks's AI assistant, operates through constrained tool calls against deterministic accounting workflows and DSL-backed posting rules. Responses can be incomplete or incorrect and do not constitute legal, tax, investment, or accounting advice. You are responsible for reviewing postings, filings, and outbound communications before they take effect.

9. Third-party services

The platform integrates subprocessors for hosting, email, payments, bank aggregation, AI inference, and optional Treasury rails. A current list appears in our Privacy Policy. Provider-specific terms and data processing agreements govern their handling of information you authorize through those connections.

10. Complaints and escalation

For support issues, contact support@triplebooks.ai. For compliance-related concerns, contact compliance@triplebooks.ai.

You can also use our contact page for general inquiries.

11. Related policies

See our Terms of Service, Privacy Policy, and Security page for additional details.