1. Acceptance of Terms

By accessing or using MyPaymentsLog ("MyPaymentsLog," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you must not access or use the Services.

By creating an account or starting a free trial, you also agree to our Privacy Policy.

2. Description of Services

MyPaymentsLog provides tools that allow users to:

• Link bank accounts and credit/debit cards through third-party financial data providers
• View account information and transaction history
• Track, organize, and visualize historical payment and spending activity
• View aggregated summaries, charts, and filtered views
• Upload receipt images; receipt images are processed by third-party OCR providers solely for text extraction
• Manage personal account information

MyPaymentsLog provides read-only access to financial account data and transaction history.

We do not:

• Initiate payments
• Process payments between users
• Transfer funds
• Provide banking services
• Provide financial, tax, investment, or legal advice

The Services are provided for informational and organizational purposes only.

You are solely responsible for decisions made based on information provided through the Services.

3. Eligibility

To use the Services, you must:

• Be at least 18 years old
• Provide accurate and complete information
• Use the Services for lawful purposes only

4. User Accounts

You are responsible for:

• Maintaining confidentiality of login credentials
• All activity conducted through your account
• Promptly notifying us of unauthorized access

We are not liable for losses resulting from your failure to safeguard credentials.

5. Financial Data Access and Limitations

By linking a financial account, you authorize us to access and display financial data via third-party providers.

You acknowledge:

• Data is supplied by third parties
• Data may be delayed, incomplete, or inaccurate
• Historical depth may vary by institution
• Aggregated summaries are generated from posted transactions only
• Pending, reversed, or corrected transactions may not be reflected

We do not verify or guarantee accuracy.

Receipt OCR results may be incomplete or inaccurate. You are responsible for reviewing extracted data.

We do not store bank login credentials or full account numbers.

6. Subscriptions, Billing, and Automatic Renewal

A. Free Trial and Automatic Renewal

MyPaymentsLog offers a 7-day free trial requiring a payment card on file.

After the 7-day free trial ends, your subscription will automatically renew at $5.99 per month unless canceled before the trial ends.

By starting a free trial, you expressly authorize:

• Automatic recurring monthly charges of $5.99
• Charges to the payment method on file
• Continued recurring billing until canceled

Billing occurs monthly in advance.

Only one free trial is permitted per account. If you cancel during the trial, you are not eligible for another free trial.

B. Payment Processing

Payments are processed securely by a third-party payment processor (e.g., Stripe).

We do not store full card numbers, expiration dates, or CVV codes.

You agree to provide a valid payment method and keep it updated.

C. Cancellation

You may cancel at any time via:

• Profile → Billing
• or by contacting support.

Cancellation timing:

• During the free trial: Access ends immediately. No charge is made.
• Within seven (7) days of the first paid charge: You may request cancellation and a full refund. Access ends immediately upon refund.
• After seven (7) days of the first charge: No refund is issued. Access continues until the end of the billing period.

Recurring billing stops after cancellation.

D. Refund Policy

Refunds are available only within seven (7) days of the first paid subscription charge.

Refunds:

• Apply only to the first paid billing cycle
• Are issued to the original payment method
• May take several business days to process

No refunds are provided for:

• Subsequent billing cycles
• Partial months
• Failure to cancel before renewal

Nothing in this section limits rights required by applicable law.

E. Chargebacks

If you initiate a chargeback or payment dispute without first contacting us for resolution:

• We reserve the right to suspend or terminate your account
• You remain responsible for outstanding amounts owed

We encourage contacting support before disputing charges.

7. Third-Party Services

The Services rely on third-party providers including financial data providers, OCR providers, hosting providers, and payment processors.

We are not responsible for:

• Errors or outages caused by third parties
• Decisions made by financial institutions
• Interruptions beyond our reasonable control

Your use of third-party services is subject to their respective terms.

8. Prohibited Activities

You may not:

• Use the Services unlawfully
• Access another user's data
• Attempt to reverse engineer or exploit the Services
• Interfere with security or system integrity

We may suspend or terminate accounts for violations.

9. Intellectual Property

All content, software, designs, and trademarks are owned by or licensed to MyPaymentsLog.

We grant you a limited, revocable, non-transferable license for personal use only.

10. Disclaimer of Warranties

The Services are provided "as is" and "as available."

We disclaim all warranties, express or implied, including:

• Accuracy
• Reliability
• Availability
• Fitness for a particular purpose

We do not guarantee uninterrupted service.

11. Limitation of Liability

To the fullest extent permitted by law:

MyPaymentsLog shall not be liable for:

• Indirect, incidental, or consequential damages
• Losses resulting from inaccurate financial data
• Decisions made based on summaries or analytics
• Third-party service failures

Our total liability shall not exceed the amount paid by you in the twelve (12) months preceding the claim.

If no fees were paid, liability shall not exceed $100.

12. Indemnification

You agree to indemnify and hold harmless MyPaymentsLog from claims arising out of:

• Your use of the Services
• Your violation of these Terms
• Your violation of applicable laws

13. Dispute Resolution and Arbitration

Any dispute arising from these Terms or the Services shall be resolved through binding arbitration in California, rather than in court, except for small claims court matters.

You agree:

• To waive the right to a jury trial
• To waive participation in class actions

Arbitration shall be conducted under the rules of the American Arbitration Association.

This section survives termination.

14. Electronic Communications

By using the Services, you consent to receive electronic communications including:

• Account notices
• Billing confirmations
• Legal updates

Electronic communications satisfy legal requirements for written notice.

15. Account Termination

You may delete your account at any time.

We may suspend or terminate accounts for:

• Violations of Terms
• Fraud or abuse
• Legal requirements

Sections relating to liability, arbitration, indemnification, and intellectual property survive termination.

16. Force Majeure

We are not liable for delays or failure to perform due to events beyond our reasonable control, including natural disasters, outages, cyberattacks, or governmental actions.

17. Governing Law

These Terms are governed by the laws of the State of California.

18. Changes to Terms

We may update these Terms at any time.

Continued use after changes constitutes acceptance.

19. Contact Information

[email protected]