Terms and Conditions

Bank Statement Matcher is an online tool that allows users to upload bank statements and reference files for automated matching and reconciliation. The Service is provided on an "as-is" and "as-available" basis.

You must be at least 18 years old and have the legal authority to enter into these Terms. You are responsible for ensuring that any data you upload is lawful and that you have the right to process it.

The Service may impose limits on:

• File size
• Number of uploads
• Matching operations
• Daily or monthly usage

Limits may vary depending on your plan. We reserve the right to enforce usage limits, restrict access, or modify limits at any time.

You retain ownership of all files and data you upload to the Service ("User Content"). By uploading User Content, you grant us a limited license to process it solely for the purpose of providing the Service. We do not claim ownership of your User Content and will not sell or share it with third parties without your consent.

You agree not to:

• Upload unlawful, harmful, or infringing content
• Attempt to gain unauthorized access to the Service or other users' data
• Interfere with the operation of the Service or its infrastructure
• Use the Service for fraudulent or malicious purposes
• Reverse engineer, decompile, or disassemble any part of the Service

Some features of the Service may require payment. If you subscribe to a paid plan, you agree to pay all applicable fees as described at the time of purchase. Fees are non-refundable unless otherwise stated. We reserve the right to change pricing at any time with reasonable notice.

Unless otherwise specified in your account settings, uploaded files are deleted after processing. Results may be stored temporarily to render your match screen and exports. You can configure retention policies through the API or account settings. We reserve the right to delete User Content after a reasonable period of inactivity.

Your use of the Service is also governed by our Privacy Policy. We implement industry-standard security measures to protect your data, including encryption in transit and at rest. However, no system is completely secure, and we cannot guarantee absolute security of your User Content.

All intellectual property rights in the Service, including software, design, text, graphics, and logos, are owned by or licensed to us. You may not copy, modify, or distribute any part of the Service without our prior written consent.

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

You agree to indemnify, defend, and hold harmless Bank Statement Matcher and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or related to your use of the Service or violation of these Terms.

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, you must immediately cease all use of the Service. Provisions of these Terms that by their nature should survive termination will survive, including sections on intellectual property, disclaimers, and limitations of liability.

These Terms are governed by the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Body], or through the courts of [Your Jurisdiction].

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on the Service. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

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