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Terms of Service

Please read these terms carefully before using Expensite.

Last Updated: January 16, 2026

1. Acceptance of Terms

By accessing or using Expensite ("Service"), you 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 apply to all visitors, users, and others who access or use the Service. By using the Service, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

2. Description of Service

Expensite provides a bank statement parsing service that uses artificial intelligence to extract transaction data from PDF bank statements. The Service includes:

  • PDF bank statement upload and processing
  • AI-powered transaction data extraction
  • Financial analytics and visualization
  • Data export functionality (CSV, Excel)
  • Multi-account management
  • Transaction search and filtering

3. User Accounts

3.1 Account Creation

To use certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for any reason, including but not limited to violation of these Terms. You may also delete your account at any time through the application settings.

4. User Responsibilities

By using the Service, you agree to:

  • Only upload bank statements that belong to you or that you have authorization to access
  • Not use the Service for any illegal or unauthorized purpose
  • Not upload files containing malware, viruses, or malicious code
  • Not attempt to gain unauthorized access to the Service or related systems
  • Not interfere with or disrupt the Service or servers
  • Comply with all applicable laws and regulations

5. Intellectual Property

5.1 Our Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Expensite. The Service is protected by copyright, trademark, and other laws.

5.2 Your Content

You retain ownership of any content you upload to the Service, including bank statements and transaction data. By uploading content, you grant us a limited license to process, store, and display the content solely to provide the Service to you.

6. Data Processing and AI

The Service uses third-party AI providers to extract transaction data from your bank statements. By using the Service, you acknowledge and consent to:

  • The processing of your uploaded documents by AI systems
  • The transmission of document data to third-party AI providers
  • The storage of extracted transaction data in our systems

While we strive for high accuracy, AI-extracted data may contain errors. You are responsible for reviewing and verifying the accuracy of extracted transaction data before relying on it for financial decisions.

7. Subscription and Payments

7.1 Free and Paid Plans

The Service offers both free and paid subscription plans. Free plans have usage limits as described on our pricing page. Paid plans provide additional features and higher usage limits.

7.2 Billing

Paid subscriptions are billed in advance on a monthly or annual basis. Subscription fees are non-refundable except as expressly stated in these Terms or required by applicable law.

7.3 Cancellation

You may cancel your subscription at any time. Upon cancellation, your access to paid features will continue until the end of your current billing period, after which your account will revert to the free plan.

7.4 Refunds

We offer a 14-day money-back guarantee for new paid subscriptions. If you are not satisfied within the first 14 days, contact us for a full refund. After 14 days, subscription fees are non-refundable.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The Service will be uninterrupted, secure, or error-free
  • The results obtained from the Service will be accurate or reliable
  • Any errors in the Service will be corrected

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EXPENSITE, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

10. Financial Disclaimer

Expensite is a data processing tool and does not provide financial, tax, legal, or investment advice. The Service is intended to help you organize and visualize your financial data. You should not rely solely on the Service for making financial decisions.

Always consult with qualified professionals for financial, tax, or legal advice. We are not responsible for any financial decisions you make based on data from the Service.

11. Indemnification

You agree to defend, indemnify, and hold harmless Expensite and its affiliates, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

  • Your access to or use of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Content you upload to the Service

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in India.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Expensite regarding the Service and supersede all prior agreements and understandings.

16. Contact Information

If you have any questions about these Terms, please contact us:

  • Email: legal@expensite.com
  • Contact Form: Contact Page
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