Terms of Service

Effective Date: January 28, 2025

Last Updated: January 28, 2025

Agreement to Terms

By accessing or using Statement Desk ("Service," "Platform," or "Application"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms constitute a legally binding agreement between you and Statement Desk, Inc. ("Company," "we," "us," or "our") governing your use of our financial document processing and analytics service.

Description of Service

Statement Desk is a financial technology service that:

  • Converts PDF bank statements to structured data formats (Excel, CSV, Google Sheets)
  • Uses artificial intelligence (Claude AI) to categorize and analyze financial transactions
  • Provides financial insights, analytics, and forecasting
  • Offers conversational AI assistance for financial queries
  • Integrates with Google Workspace for authentication and data export

The Service is designed for personal and small business financial management and is not intended as professional financial advice.

Eligibility and Account Registration

Age Requirements

  • You must be at least 18 years old to use this Service
  • By using the Service, you represent that you meet this age requirement

Account Responsibilities

  • You are responsible for maintaining the confidentiality of your account credentials
  • You agree to accept responsibility for all activities under your account
  • You must notify us immediately of any unauthorized use of your account
  • You may not use another person's account without permission

Google Workspace Integration

OAuth and API Usage

  • Authentication is provided through Google OAuth 2.0
  • We adhere to Google API Services User Data Policy
  • You can revoke our access to your Google account at any time
  • We only access files and data you explicitly authorize

Marketplace Terms

  • If installed via Google Workspace Marketplace, additional Google terms apply
  • Organization installations require admin consent
  • We comply with all Google Workspace developer policies

Subscription and Billing

Subscription Tiers

  • Free Tier: Limited processing (up to 5 files/month)
  • Basic Tier: Enhanced features and higher limits
  • Premium Tier: Unlimited processing and all features

Payment Terms

  • Subscriptions are billed monthly or annually in advance
  • All fees are in USD unless otherwise stated
  • Payment processing is handled securely by Stripe
  • Prices are subject to change with 30 days notice

Refund Policy

  • Monthly subscriptions: No refunds for partial months
  • Annual subscriptions: Pro-rated refund within 30 days of purchase
  • Refunds for technical issues evaluated case-by-case

Acceptable Use Policy

You agree not to use the Service to:

  • Process documents you don't have legal rights to access
  • Upload malicious files or attempt to compromise our systems
  • Violate any applicable laws or regulations
  • Infringe upon intellectual property rights
  • Harass, abuse, or harm other users
  • Engage in fraudulent or deceptive practices
  • Reverse engineer or attempt to extract our source code
  • Use the Service for illegal financial activities

We reserve the right to terminate accounts that violate these policies without notice.

Data Accuracy and Financial Disclaimer

Important Disclaimers

  • Not Financial Advice: Statement Desk provides data processing and analytics tools only. Nothing in the Service constitutes professional financial, investment, tax, or legal advice.
  • Accuracy Limitations: While we strive for accuracy, AI and automated processing may contain errors. Always verify important financial data.
  • User Responsibility: You are responsible for the accuracy of uploaded documents and for verifying all processed data before making financial decisions.
  • Third-Party Data: We are not responsible for the accuracy of bank statements or other third-party financial documents.

Intellectual Property Rights

Our Property

  • The Service, including its code, design, and content, is owned by Statement Desk, Inc.
  • Our trademarks, logos, and brand features may not be used without permission
  • All AI models and algorithms are proprietary technology

Your Content

  • You retain ownership of your financial data and documents
  • You grant us a limited license to process and analyze your data as necessary to provide the Service
  • We will not share your content except as described in our Privacy Policy

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
  • WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
  • WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
  • OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS
  • WE ARE NOT LIABLE FOR SERVICE INTERRUPTIONS, DATA LOSS, OR SECURITY BREACHES BEYOND OUR REASONABLE CONTROL

Indemnification

You agree to indemnify, defend, and hold harmless Statement Desk, Inc., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use or misuse of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Your financial decisions based on the Service's output

Termination

By You

  • You may terminate your account at any time through account settings
  • Termination does not entitle you to refunds for unused subscription periods

By Us

  • We may terminate or suspend your account for Terms violations
  • We may discontinue the Service with 30 days notice

Effect of Termination

  • Your right to use the Service ceases immediately
  • We may delete your data after 90 days unless legally required to retain it
  • Provisions that should survive termination will remain in effect

Dispute Resolution

Arbitration Agreement

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration under the rules of the American Arbitration Association, except where prohibited by law.

Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class actions.

Governing Law

These Terms are governed by the laws of [Your State/Country] without regard to conflict of law principles.

Privacy and Security

Your use of the Service is subject to our Privacy Policy, which is incorporated by reference into these Terms. By using Statement Desk, you acknowledge that you have read and understood our Privacy Policy and agree to its terms.

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or in-app notification at least 30 days before taking effect. Continued use of the Service after changes constitutes acceptance of the modified Terms.

Miscellaneous

  • Entire Agreement: These Terms constitute the entire agreement between you and Statement Desk
  • Severability: If any provision is found unenforceable, the remaining provisions continue in effect
  • Waiver: Failure to enforce any right or provision does not constitute a waiver
  • Assignment: You may not assign your rights without our written consent
  • Force Majeure: We are not liable for failures due to circumstances beyond our reasonable control

Contact Information

For questions about these Terms of Service:

  • Email: legal@statementdesk.com
  • Support: support@statementdesk.com
  • Website: https://statementdesk.com