1. Acceptance of Terms

By accessing or using FinanceCategorizer ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. We reserve the right to modify these Terms at any time, and your continued use of the Service constitutes acceptance of any modifications.

2. Description of Service

FinanceCategorizer provides an AI-powered bank transaction categorization service. Users can upload bank statements in CSV, XLS, or XLSX format, and our system automatically categorizes transactions into predefined categories. The categorization is provided as-is and users should review all categorizations for accuracy.

3. Account Registration

To use certain features of the Service, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

4. User Responsibilities

You agree to:

• Only upload bank statements that you are authorized to access
• Not use the Service for any illegal or unauthorized purpose
• Not attempt to gain unauthorized access to the Service or its systems
• Not interfere with or disrupt the Service or servers
• Comply with all applicable laws and regulations

5. Intellectual Property

The Service and its original content, features, and functionality are owned by FinanceCategorizer and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You retain ownership of any data you upload to the Service.

6. Subscription and Payment

Certain features of the Service may require a paid subscription. By subscribing, you agree to pay all applicable fees. Subscription fees are billed in advance on a recurring basis. You may cancel your subscription at any time, but no refunds will be provided for partial billing periods.

7. Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. IN NO EVENT SHALL FINANCECATEGORIZER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

8. Disclaimer

The transaction categorizations provided by the Service are generated by AI and should not be considered as financial, tax, or legal advice. Users should always review and verify categorizations before using them for any official purposes. We do not guarantee 100% accuracy of categorizations.

9. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which FinanceCategorizer operates, without regard to its conflict of law provisions.

12. Contact Us

If you have any questions about these Terms, please contact us at legal@financecategorizer.com