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Terms of Service

Last Updated: November 12, 2025

1. Acceptance of Terms

By accessing and using Statement to Budget (the "Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Statement to Budget provides an AI-powered bank statement analysis tool that allows users to upload financial statements and receive automated transaction categorization, spending analysis, and budget reports.

3. User Responsibilities

You agree to:

  • Use the Service only for lawful purposes

  • Upload only your own financial statements or those you have permission to analyze

  • Not attempt to compromise the security of the Service

  • Not use the Service to process illegal transactions or money laundering activities

  • Be at least 18 years of age

4. No Warranty

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that:

  • The Service will be uninterrupted or error-free

  • The categorization and analysis will be 100% accurate

  • All file formats will be successfully processed

  • The Service will meet your specific requirements

5. Limitation of Liability

Statement to Budget and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service, including but not limited to:

  • Loss of data or financial information

  • Errors in transaction categorization

  • Financial decisions made based on our reports

  • Unauthorized access to your data

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. We temporarily process your financial data to provide the Service and automatically delete it after your session ends.

7. No Financial Advice

Statement to Budget is a tool for organizing and analyzing financial data. It does not provide financial, investment, tax, or legal advice. You should consult with qualified professionals before making financial decisions.

8. Service Modifications

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also modify these Terms of Service, and continued use of the Service after changes constitutes acceptance of the new terms.

9. Intellectual Property

All content, features, and functionality of the Service are owned by Statement to Budget and are protected by international copyright, trademark, and other intellectual property laws.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any breach of these Terms of Service.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

12. Contact

For questions about these Terms of Service, please contact us through our Contact page.