Terms of Service

You can use FinOpsBricks to parse, store, search, and export bank statements and the transactions inside them. You pay only for what we successfully extract, from a prepaid credit balance. You own your data. We aim to keep the Service reliable but we can't guarantee it. If something goes wrong, our liability is limited to what you paid us in the last 12 months. Disputes are governed by the laws of [GOVERNING LAW STATE], United States.

This summary is a guide. The full sections below are the contract.

These Terms of Service (“Terms”) form a binding agreement between you (“you,” “Customer”) and [COMPANY NAME, INC.], a company incorporated in [STATE OF INCORPORATION], United States (“FinOpsBricks,” “we,” “us”).

By creating an account, accessing, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you are accepting on behalf of an organization, you represent that you have authority to bind that organization.

The Service is the software accessible at statements.finopsbricks.com and related domains, including parsing of uploaded bank statements, extraction of transactions, categorization through rules, dashboards, exports, and our API.

• You must be at least 18 years old to use the Service.
• You must provide accurate registration information and keep it current.
• You are responsible for safeguarding your credentials and for all activity under your account.
• Notify us promptly at [[email protected]] if you suspect unauthorized access.

You can create an organization (“Org”) and invite members. Members you invite can see and act on the data in that Org. The Org owner is responsible for membership and for paying for the Org's usage. We treat the Org owner as having authority over the Org's data and configuration.

You retain all rights to the data you upload or generate in the Service, including statements, transactions, rules, categories, and notes (“Customer Data”). You grant us a non-exclusive, worldwide, royalty-free license to host, process, store, transmit, display, and back up Customer Data solely as needed to provide and improve the Service to you.

We do not sell Customer Data, use it to train third-party machine-learning models, or use it for any purpose other than operating the Service for you. We may use aggregated and de-identified data to improve parsing, performance, and features.

You represent and warrant that you have all rights necessary to upload Customer Data and that doing so does not violate any law or third-party right.

You agree not to:

• Upload data you don't have the right to upload
• Use the Service to violate any law or regulation
• Reverse-engineer, decompile, or attempt to extract source code, except to the extent the law expressly permits
• Probe, scan, or test the vulnerability of the Service without our written permission (responsible-disclosure reports to [[email protected]] are welcome)
• Use the Service to send spam, malware, or otherwise abusive content
• Resell the Service or use it as a service bureau without our written permission
• Circumvent rate limits, billing, or access controls
• Use the Service to build a competing product

The Service may interoperate with third-party services (e.g., Google for sign-in, Stripe/Razorpay for payments, your bank's download portals). Those services are governed by their own terms and privacy policies. We are not responsible for their availability or content.

We aim to keep the Service reliable but we do not commit to a specific uptime SLA unless we have a separate written agreement with you. We may modify, suspend, or discontinue features at any time. If we make a materially adverse change, we will give reasonable notice and (where appropriate) refund unused prepaid credits.

Features marked “beta,” “preview,” or similar are provided as-is. They may change or be removed without notice and may not be covered by our confidentiality or liability commitments.

Each party will protect the other's confidential information with the same degree of care it uses for its own, and at minimum with reasonable care. Customer Data is your confidential information. Our non-public technical and business information is ours. Neither party will use the other's confidential information except to perform under these Terms.

We own all rights in the Service, including the software, parsers, designs, brand, documentation, and any improvements (excluding Customer Data). Nothing in these Terms transfers our IP to you. Your rights to the Service are limited to the licenses expressly granted in these Terms.

If you give us feedback or suggestions, we may use them without obligation or payment. You waive any moral rights in feedback you provide.

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, OR THAT EVERY STATEMENT WILL PARSE CORRECTLY.

The Service is not a financial advisor, tax advisor, accountant, auditor, or fiduciary. You are responsible for verifying parsed data and for any decisions you take based on it.

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.

EACH PARTY'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR USD 100, WHICHEVER IS GREATER.

Nothing in these Terms limits liability that cannot be limited under applicable law (e.g., gross negligence, willful misconduct, fraud, or, in some jurisdictions, death or personal injury).

You will defend, indemnify, and hold us harmless from claims, damages, and expenses arising out of (a) Customer Data, (b) your use of the Service in violation of these Terms or law, or (c) your violation of a third-party right.

• You may stop using the Service or delete your account at any time.
• We may suspend or terminate your account if you materially breach these Terms, fail to pay, or if required by law.
• We may also terminate inactive free accounts after a reasonable notice period.
• On termination: your right to use the Service ends, and we may delete Customer Data after a reasonable retention window (described in our Privacy Policy). Sections that by their nature should survive (Data, IP, Confidentiality, Warranties, Liability, Indemnity, Governing law) will survive.

You represent that you are not located in, and will not use the Service from, a country subject to US embargo, and that you are not on any US government list of restricted parties. You will comply with all applicable export-control and sanctions laws.

These Terms are governed by the laws of the State of [GOVERNING LAW STATE], United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in [COUNTY, STATE], and each party consents to personal jurisdiction there. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

[Optional alternative for review: binding arbitration under JAMS or AAA rules, with a class-action waiver. We've left this as a court-litigation clause for now — discuss with counsel before launch.]

• Entire agreement: these Terms, the Privacy Policy, and any order form between us are the entire agreement and supersede prior agreements on the same subject.
• Order of precedence: a signed order form > these Terms > the Privacy Policy.
• Assignment: you may not assign these Terms without our consent. We may assign in connection with a merger, acquisition, or sale of assets.
• Independent contractors: nothing creates a partnership, joint venture, employment, or agency relationship.
• No waiver: failure to enforce a right is not a waiver.
• Severability: if any provision is unenforceable, the rest stays in effect.
• Force majeure: neither party is liable for failure caused by events beyond reasonable control (acts of God, war, internet/utility outages, regulatory action, etc.).
• Notices: we will send notices to the email on your account. You will send notices to [[email protected]].

We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date and notify you by email or in-app notice at least 30 days before the change takes effect. Your continued use of the Service after the effective date constitutes acceptance. If you do not agree, stop using the Service and request a refund of any unused prepaid credit balance.

See our Privacy Policy for how we handle personal data.