Terms of Service

1. Acceptance of Terms

By accessing or using PivotBank (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Service Description

PivotBank is a browser-based tool that converts bank statement PDFs into Excel (XLSX) and CSV spreadsheets. All processing happens entirely client-side in your browser — no files are uploaded to our servers. Pro subscribers additionally receive transaction categorisation, spending insights, and JSON export.

3. Usage Tiers & Limits

Limits are measured per calendar day in UTC. We reserve the right to adjust limits with reasonable notice.

4. Pro Subscription

4.1 Billing

Pro subscriptions are billed monthly via Stripe. By subscribing, you authorise recurring charges to your payment method. Prices are displayed at the time of purchase and may vary by currency.

4.2 Cancellation

You may cancel your Pro subscription at any time from the Account Settings page. Your Pro access continues until the end of the current billing period; you will not be charged again after cancellation.

4.3 Refunds

We offer a 7-day money-back guarantee for first-time Pro subscribers. If you are not satisfied, contact us within 7 days of your first charge at hello@pivotbank.app for a full refund. Refunds outside this window are at our discretion.

5. Prohibited Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulations
• Attempt to bypass, circumvent, or exploit daily usage limits
• Reverse-engineer, scrape, or reproduce the Service or its underlying algorithms
• Use the Service to process documents belonging to third parties without their consent
• Resell, sublicense, or commercially redistribute the Service without our written permission
• Attempt to interfere with the integrity or performance of the Service

6. Intellectual Property

PivotBank and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Service for your personal or internal business purposes.

7. Disclaimer of Warranties

The Service is provided “as is” without warranties of any kind. We do not warrant that the Service will be uninterrupted, error-free, or that parsed transaction data will be 100% accurate. You are responsible for verifying exported data before use in financial, legal, or accounting contexts.

8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the Service, even if advised of the possibility of such damages.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will update the “Last updated” date when we do. Continued use of the Service after changes constitutes acceptance of the updated Terms.

11. Contact

For questions about these Terms, please contact us at hello@pivotbank.app or via our contact page.