Bluestem AI ("Bluestem," "we," "us") is a financial intelligence layer that reads a business's accounting data (currently via QuickBooks Online, or a CSV import) and presents computed figures — revenue, margin, cash, project economics, and related analysis — narrated by an AI assistant. Every figure shown is computed deterministically from your own ledger data; the assistant narrates those figures and never invents or estimates a number on its own.
These terms apply to anyone who creates an account or is granted access to a company's books in Bluestem ("you"). If you are using Bluestem on behalf of a business, you confirm you're authorized to connect that business's financial data and to accept these terms for it.
Bluestem is a decision-support tool. It is not a licensed accounting, tax, legal, or investment service, and nothing it presents is professional advice. Figures involving tax treatment, GAAP compliance, trust/escrow handling, or any regulated determination should be reviewed by your own accountant or CPA before you rely on them for a filing, a loan covenant, or any decision with legal or financial consequence. Where Bluestem's own documentation flags something as needing professional review, treat that flag as load-bearing, not decorative.
Bluestem is under active development. Features may change, and you may encounter bugs, incomplete data coverage, or figures explicitly marked as unavailable rather than estimated — that's by design (Bluestem refuses to guess rather than presenting an unreliable number), but it means some things you'd expect from mature accounting software may not be built yet. Design-partner accounts are provided free of charge in exchange for feedback, and either side may end that arrangement at any time.
Don't use Bluestem to access another company's or another user's data without authorization, attempt to disrupt the service, or use it for any unlawful purpose. Accounts found doing so may be suspended.
Bluestem is provided "as is," without warranty of any kind, express or implied. To the fullest extent permitted by law, Bluestem and its operator are not liable for indirect, incidental, or consequential damages arising from your use of the service, including decisions made based on figures it presents. Nothing in this section limits liability that cannot be limited under applicable law.
We may update these terms as the product evolves. Material changes will be reflected by an updated effective date above; continued use after a change means you accept the update.
Questions about these terms: cooper@getbluestem.com.