Terms of Service

Welcome to StatementDecoder.ai ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our merchant statement analysis software-as-a-service and related websites, applications, and services (collectively, the "Services"). By creating an account, uploading data, or using the Services, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old and have the authority to bind your organization (if applicable) to use the Services.

2. Accounts

• You are responsible for maintaining the confidentiality of your credentials.
• You must provide accurate, current information and keep it updated.
• You are responsible for all activity under your account.

3. Use of Services

Our Services use AI-powered technology to analyze merchant processing statements, identify overcharges, generate competitive benchmarking reports, calculate ROI projections, and create professional sales proposals. You are solely responsible for decisions made using these insights. The Services do not constitute financial, legal, accounting, or tax advice.

Prohibited Uses:

• No unlawful, infringing, or abusive use.
• No reverse engineering, scraping, or circumventing security measures.
• No misrepresentation of outputs or creating deceptive proposals.
• No uploading merchant statements without proper authorization from the merchant.
• No sharing analysis results with unauthorized third parties.
• No using competitive intelligence for illegal market manipulation.

4. Subscriptions, Fees & Taxes

Fees and plan limits are described on our site or order forms and may be updated prospectively with 30 days' notice. You are responsible for applicable taxes. We may suspend or limit the Services for unpaid fees.

Billing & Auto-Renewal:

• Subscriptions automatically renew unless cancelled at least 24 hours before the renewal date.
• You can cancel your subscription at any time in your account settings.
• Free trials automatically convert to paid subscriptions unless cancelled before trial expiration.
• Plan upgrades take effect immediately; downgrades take effect at the next billing cycle.

Refunds: Fees are generally non‑refundable except as required by law. We may provide prorated refunds for annual subscriptions cancelled within 30 days of initial purchase.

5. Data & Privacy

Our Privacy Policy explains how we collect and process personal data. By using the Services, you consent to that processing. You represent that you have all rights and permissions necessary to upload merchant statements and related data.

6. Customer Content & License

As between you and Company, you retain ownership of data you upload ("Customer Content"). You grant Company a worldwide, non‑exclusive license to host, process, and display Customer Content solely to provide and improve the Services, and to generate de‑identified or aggregated analytics that do not identify you or your merchants.

Data Processing Agreement: You warrant that: (a) you have obtained all necessary rights, consents, and authorizations from merchants to upload and process their statements; (b) the uploaded data does not violate any third-party rights; and (c) you will comply with all applicable data protection laws regarding the merchant data you provide.

7. Intellectual Property

The Services, including software, models, designs, and brand assets, are owned by Company or its licensors. No rights are granted except as expressly stated. All trademarks are the property of their owners.

8. Confidentiality

Each party may receive non‑public information from the other. The receiving party will use it only to perform under these Terms and will protect it using reasonable safeguards. Confidential information excludes items that are public, independently developed, or rightfully obtained without duty.

9. Security & Compliance

We implement reasonable technical and organizational measures designed to protect data. No system is 100% secure, and you acknowledge inherent risks of transmitting and storing data online.

Compliance: We maintain security practices designed to comply with applicable financial data protection standards. However, you remain responsible for ensuring your use of the Services complies with industry regulations applicable to your business (e.g., PCI DSS, SOX, FFIEC guidelines).

10. Service Availability

While we strive to maintain 99.9% uptime, the Services are provided "as available" with no uptime guarantees. We may perform maintenance, updates, or modifications that temporarily affect service availability. We are not liable for any disruptions, delays, or performance issues.

11. Data Export & Portability

You may export your generated reports and analyses at any time through the Services interface. Upon account termination, you have 30 days to download your data before it is permanently deleted. We provide data in standard formats (PDF, Excel) for portability.

12. Export Controls

The Services and underlying technology may be subject to export controls and trade sanctions. You agree to comply with all applicable export control laws and regulations and not to export, re-export, or transfer the Services to prohibited countries or persons.

13. Service Modifications

We reserve the right to modify, update, or discontinue any aspect of the Services at any time. We will provide reasonable notice for material changes that adversely affect functionality. Continued use after changes constitutes acceptance of the modifications.

14. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT ANALYSES OR COMPARISONS ARE ERROR‑FREE OR WILL PRODUCE ANY PARTICULAR BUSINESS OUTCOME.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COVER, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE AMOUNTS YOU PAID IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

16. Indemnification

You will defend and indemnify Company against third‑party claims arising from your (a) misuse of the Services, (b) violation of law or these Terms, or (c) Customer Content.

17. Suspension & Termination

We may suspend or terminate access for violation of these Terms or risks to the Services. You may cancel at any time in your account settings; fees already paid are non‑refundable except as required by law. Upon termination, you have 30 days to export your data before permanent deletion.

18. Governing Law; Disputes

These Terms are governed by the laws of the State of New York, without regard to conflict of laws rules. The exclusive venue for disputes is state or federal courts in New York County, New York, and the parties consent to personal jurisdiction there. You and Company waive jury trial to the extent permitted by law.

19. Changes

We may update these Terms from time to time. Material changes will be effective 30 days after posting and email notification to account holders. Continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Services.

20. Contact