Terms of Use

1. Acceptance of Terms

By accessing and using EzBankSummary ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

EzBankSummary is a web-based financial analysis tool that helps you categorize and analyze bank statements. The Service allows you to upload bank statements and receive automated categorization and analysis of financial transactions.

What We Do:

• • Analyze and categorize your bank transactions automatically
• • Store your files securely in your own Google Drive (with your permission)
• • Process transaction data temporarily to provide analysis and reports
• • Help you save time on financial record-keeping and tax preparation

What We Don't Do:

• • We do not provide financial advice, accounting services, or tax preparation services
• • We do not connect to your bank accounts directly or access your banking credentials
• • We do not sell or share your financial data with third parties
• • We do not guarantee 100% accuracy—always review results before making financial decisions

3. User Responsibilities

Your Account:

• • Keep your account credentials secure and confidential
• • Provide accurate information when creating your account
• • Notify us immediately if you suspect unauthorized access
• • You are responsible for all activities under your account

Your Data:

• • You own all the data you upload—we never claim ownership
• • Ensure you have the right to upload any files you share with us
• • Review our categorization results for accuracy
• • You can delete your data or account at any time

Acceptable Use:

• • Use the service only for lawful purposes
• • Do not attempt to hack, reverse engineer, or exploit the service
• • Do not upload malware, viruses, or malicious content
• • Do not share your account credentials with others

4. Data Security, Privacy & Your Rights

We take your financial data seriously and implement multiple layers of security:

• • Encryption: All data encrypted with AES-256 at rest and TLS 1.2+ in transit
• • Your Google Drive: Original files stored in your own Drive, not on our servers
• • AWS Security: Hosted on ISO 27001 and SOC 2 Type II certified infrastructure
• • Access Control: Strict access controls and monitoring

Your Rights:

• • Access: View all your data at any time
• • Delete: Permanently delete statements or your entire account
• • Export: Download your data in standard formats (Excel, CSV)
• • Control: You decide what data to upload and when to delete it

Please refer to our Privacy Policy for detailed information about how we handle your data.

5. Service Availability & Updates

We strive to provide reliable service, but sometimes things happen:

• • The service may be temporarily unavailable for maintenance or updates
• • We may add, modify, or remove features to improve the service
• • We'll notify you of major changes that affect your use of the service
• • Beta features may be experimental and subject to change

We Promise:

• • Give advance notice for planned maintenance when possible
• • Work quickly to restore service during outages
• • Keep you informed about major changes via email
• • Listen to your feedback and continuously improve

6. Intellectual Property

Our Rights:

• • We own the EzBankSummary software, algorithms, and branding
• • Our service is protected by copyright, trademark, and other laws
• • You may not copy, modify, or redistribute our software

Your Rights:

• • You retain full ownership of all data you upload
• • You can export and use your analysis results however you wish
• • Your custom categories and rules belong to you

7. Limitation of Liability

What We're Responsible For:

• • Providing the service with reasonable care and skill
• • Protecting your data with appropriate security measures
• • Being transparent about how the service works

What We're Not Responsible For:

• • Financial decisions you make based on our analysis
• • Errors in your source data or uploaded files
• • Third-party services (Google Drive, your bank, etc.)
• • Data loss due to your actions (e.g., deleting your account)

To the fullest extent permitted by law, EzBankSummary shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your use of the Service.

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 warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• • The service will be uninterrupted, timely, or error-free
• • Results will be 100% accurate or meet your specific needs
• • Defects will be corrected immediately
• • The service will be compatible with all systems

However, We Commit To:

• • Fix bugs and issues as quickly as possible
• • Continuously improve accuracy and reliability
• • Respond to your support requests promptly
• • Be transparent when things go wrong

9. Account Termination

You Can:

• • Delete your account at any time for any reason
• • Export all your data before deletion
• • Stop using the service without penalty

We May Terminate Your Account If:

• • You violate these Terms of Use
• • You use the service for illegal activities
• • You attempt to compromise security or abuse the service
• • Your account has been inactive for an extended period

If We Terminate Your Account:

• • We'll notify you via email when possible
• • You'll have 30 days to export your data (unless termination is for security reasons)
• • You may appeal the decision by contacting support

10. Changes to Terms

We may update these Terms from time to time to reflect changes in our service, legal requirements, or business practices.

When We Make Changes:

• • We'll notify you at least 30 days before material changes take effect
• • We'll update the "Last updated" date at the top of this page
• • We'll email you about significant changes
• • You can review the changes and decide whether to continue using the service

If you continue using the service after changes take effect, you agree to the updated terms. If you don't agree with the changes, you can delete your account before they take effect.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where EzBankSummary operates, without regard to its conflict of law provisions.

If There's a Problem:

• • Contact us first—we want to resolve issues amicably
• • We'll work in good faith to address your concerns
• • Most issues can be resolved through open communication

12. Contact Information

We're here to help! If you have any questions, concerns, or feedback about these Terms of Use:

• • Visit our Contact Page
• • Use our Feedback Form
• • Email us directly (we typically respond within 24-48 hours)

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and EzBankSummary regarding the use of the Service. Any prior agreements, understandings, or communications are superseded by these Terms.