Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement made between you and BankBytes, Inc. ("BankBytes," "we," "us," or "our"), concerning your access to and use of our website at bankbytes.io and our bank statement conversion services.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these terms, you may not access our services. These Terms apply to all visitors, users, and others who access or use our services.

2. Services Description

BankBytes provides AI-powered financial document processing services, specifically:

• Bank Statement Conversion

  Convert PDF bank statements to CSV, Excel, and QuickBooks formats

• Data Extraction & Processing

  AI-powered extraction of transaction data, dates, amounts, and descriptions

• Financial Analysis Tools

  Transaction categorization, reporting, and financial insights

• Secure Document Processing

  Enterprise-grade security for handling sensitive financial documents

Our services are designed for businesses, accountants, bookkeepers, and individuals who need to convert and analyze financial document data efficiently and securely.

3. Account Registration and Security

3.1 Account Creation

To access certain features of our services, you may be required to register for an account. You agree to:

• • Provide accurate, current, and complete information during registration
• • Update your information to keep it accurate and current
• • Maintain the security of your account credentials
• • Accept responsibility for all activities that occur under your account

3.2 Account Security

You are responsible for safeguarding your password and all account information. You agree to:

• • Use a strong, unique password for your BankBytes account
• • Enable two-factor authentication when available
• • Notify us immediately of any unauthorized access to your account
• • Log out of your account when using shared or public computers

4. User Responsibilities

When using our services, you agree to comply with all applicable laws and regulations and to use our services only for legitimate business purposes. You agree to:

4.1 Permitted Use

• • Use our services only for lawful purposes and in accordance with these Terms
• • Provide accurate and complete information in all communications with us
• • Upload only documents that you own or have permission to process
• • Respect the intellectual property rights of others

4.2 Prohibited Use

• • Upload documents containing fraudulent, stolen, or illegal financial information
• • Attempt to gain unauthorized access to our systems or other user accounts
• • Use our services to violate any applicable laws or regulations
• • Interfere with or disrupt the integrity or performance of our services
• • Use automated scripts or bots to access our services without permission

5. Intellectual Property Rights

5.1 Our Intellectual Property

The BankBytes service, including our website, software, technology, content, and materials, are owned by BankBytes and are protected by copyright, trademark, patent, and other intellectual property laws. This includes:

• • Proprietary AI algorithms and machine learning models
• • Software code, databases, and technical architecture
• • User interface designs and website content
• • Trademarks, service marks, and brand elements

5.2 License to Use Our Services

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to use our services for their intended business purposes. This license does not include the right to:

• • Modify, copy, or create derivative works of our services
• • Reverse engineer or attempt to extract our source code
• • Sublicense, resell, or redistribute our services

5.3 Your Content

You retain all rights to any financial documents or data you upload to our services ("User Content"). By uploading User Content, you grant us a limited license to process, analyze, and convert your documents solely to provide our services to you. We do not claim ownership of your financial data.

6. Payment Terms and Billing

6.1 Subscription Plans

BankBytes offers various subscription plans with different features and usage limits. By subscribing to a paid plan, you agree to:

• • Pay all applicable fees as described in your chosen plan
• • Provide accurate billing and payment information
• • Update your payment information as needed to maintain service

6.2 Billing and Renewals

• • Subscriptions automatically renew unless cancelled before the renewal date
• • Fees are charged in advance for each billing period
• • We may change our pricing with 30 days' notice
• • Refunds are provided according to our refund policy

7. Service Availability and Modifications

We strive to provide reliable and consistent service, but we cannot guarantee 100% uptime. We may:

• • Perform scheduled maintenance with advance notice when possible
• • Make emergency updates or repairs without prior notice
• • Modify or discontinue features with reasonable notice
• • Implement usage limits to ensure fair access for all users

8. Limitation of Liability

To the maximum extent permitted by applicable law, BankBytes and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• • Loss of profits, revenue, or business opportunities
• • Loss of data or corruption of files
• • Business interruption or loss of goodwill
• • Any other intangible losses

Our total liability to you for any damages arising from your use of our services shall not exceed the amount you paid to us in the 12 months preceding the claim.

9. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We specifically disclaim all warranties, including but not limited to:

• • Warranties of merchantability and fitness for a particular purpose
• • Warranties that our services will be uninterrupted or error-free
• • Warranties regarding the accuracy or completeness of processed data
• • Warranties that our services will meet your specific requirements

While we strive for accuracy in our data processing, we recommend that you review all converted data for accuracy before using it for business or financial purposes.

10. Indemnification

You agree to indemnify, defend, and hold harmless BankBytes and its officers, directors, employees, agents, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• • Your use of our services in violation of these Terms
• • Your violation of any third-party rights, including intellectual property rights
• • Any User Content you submit or upload to our services
• • Your violation of any applicable laws or regulations

11. Termination

11.1 Termination by You

You may terminate your account at any time by canceling your subscription through your account settings or by contacting our support team. Upon termination:

• • Your access to paid features will end at the end of your current billing period
• • Your data will be deleted according to our data retention policy
• • You remain responsible for any charges incurred before termination

11.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice, if you:

• • Violate these Terms or our policies
• • Engage in fraudulent or illegal activities
• • Fail to pay applicable fees
• • Abuse our services or disrupt other users

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California and the United States, without regard to conflict of law provisions.

12.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or our services shall be resolved through:

• • Good faith negotiation between the parties
• • Binding arbitration if negotiation fails
• • Jurisdiction in San Francisco County, California for any court proceedings

13. Changes to Terms of Service

We reserve the right to modify these Terms at any time. When we make changes, we will:

• • Update the 'Last Updated' date at the top of these Terms
• • Notify you via email for material changes (if you have an account)
• • Post a notice on our website for significant updates
• • Provide 30 days notice for changes that materially affect your rights

Your continued use of our services after any changes to these Terms constitutes your acceptance of the new Terms.

14. Contact Information

If you have questions, concerns, or legal inquiries regarding these Terms of Service, please contact us: