Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Bank Statement Converter ("we," "us," or "our") regarding your use of our website and services.

By accessing, browsing, or using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using our services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Service Description

2.1 Service Availability

Our services are provided on an "as available" basis. We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. Maintenance, updates, and technical issues may occasionally affect service availability.

2.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also impose usage limits or restrictions on certain features.

3. User Responsibilities

3.1 Lawful Use

• You must use our services in compliance with all applicable laws and regulations
• You are responsible for ensuring you have the right to process any financial documents you upload
• You must not use our services for any illegal, fraudulent, or unauthorized purposes

3.2 Data Accuracy

• You are responsible for verifying the accuracy of converted documents
• We recommend comparing original and converted documents before use
• You acknowledge that automated conversion may not be 100% accurate in all cases

3.3 Account Security

• If you create an account, you are responsible for maintaining the confidentiality of your login credentials
• You must notify us immediately of any unauthorized use of your account
• You are responsible for all activities that occur under your account

4. Prohibited Uses

5. Intellectual Property

5.1 Our Rights

All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Bank Statement Converter and are protected by copyright, trademark, and other intellectual property laws.

5.2 Your Rights

You retain all rights to your original financial documents and data. We do not claim ownership of any documents you process through our services. However, you grant us a limited license to process your data solely for the purpose of providing our services.

5.3 License to Use

We grant you a limited, non-exclusive, non-transferable license to use our services for your personal or business purposes in accordance with these Terms.

6. Privacy & Security

Your privacy is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the data practices described in our Privacy Policy.

7. Disclaimers

7.1 Service Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We disclaim all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose
• Accuracy, reliability, or completeness of converted documents
• Uninterrupted or error-free operation
• Security of data transmission
• Compatibility with all software or systems

7.2 Accuracy Disclaimer

While we strive for high accuracy in our conversion processes, we do not guarantee 100% accuracy. Users are responsible for verifying all converted documents before use in critical applications.

7.3 Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of these third parties.

8. Limitation of Liability

9. Indemnification

You agree to indemnify, defend, and hold harmless Bank Statement Converter, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debts, and expenses (including attorney's fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content or data you provide
• Your negligent or wrongful conduct

10. Termination

10.1 Termination by You

You may stop using our services at any time. If you have an account, you may delete it through your account settings or by contacting us.

10.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice or liability, if you breach these Terms or engage in prohibited activities.

10.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. All provisions of these Terms that should survive termination shall survive, including intellectual property rights, disclaimers, and limitation of liability.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New York, NY.

11.1 Dispute Resolution

We encourage users to contact us directly to resolve any disputes. For enterprise customers, we offer mediation and arbitration options as specified in separate agreements.

12. Modifications

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes
• Displaying prominent notices on our website

Your continued use of our services after any modifications constitutes acceptance of the updated Terms.

13. Contact Information