Terms of Service

1. Acceptance of Terms

By accessing or using All Expenses Paid ("the Service"), operated by WisePenny Software Inc. ("we", "us", "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

All Expenses Paid is a web-based expense management platform that allows users to track expenses, import bank statements, categorize transactions using AI, scan receipts using AI-powered image recognition, generate reports, and manage team expenses. The Service is provided on a subscription basis with various tiers (Trial, Basic, Personal Pro, Business Pro, Enterprise, Enterprise Plus).

Certain features (transaction categorization, receipt scanning) use third-party AI services (OpenAI) to process your data. By using these features, you acknowledge that transaction descriptions and receipt images will be transmitted to OpenAI for processing in accordance with our Privacy Policy. These AI features are optional and available on Pro+ plans.

3. Account Registration

• You must provide accurate and complete information when creating an account.
• You are responsible for maintaining the security of your account credentials.
• You must be at least 18 years of age to use the Service.
• One person may not maintain more than one account.
• You are responsible for all activity that occurs under your account.

4. Free Trial

New accounts receive a 14-day free trial with full access to all features. No credit card is required for the trial. After the trial period expires, your account will switch to view-only mode until you subscribe to a paid plan. Your data is preserved during and after the trial.

5. Subscription & Payment

• Paid subscriptions are billed monthly or annually, depending on your chosen billing cycle.
• Payments are processed securely through Stripe.
• You may upgrade or downgrade your subscription at any time.
• Refunds are handled on a case-by-case basis. Contact support for assistance.

6. Cancellation

You may cancel your subscription at any time from your account settings. Upon cancellation:

• You retain access until the end of your current billing period.
• Your data remains accessible in view-only mode.
• You can export all your data using the Backup feature before or after cancellation.
• You can resubscribe at any time to regain full access.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to other users' data
• Interfere with or disrupt the Service's infrastructure
• Upload malicious content or attempt to exploit vulnerabilities
• Resell or redistribute the Service without authorization
• Use automated tools to scrape or extract data from the Service

8. Data Ownership

You retain full ownership of your financial data. We do not claim any intellectual property rights over the content you enter into the Service. You can export all your data at any time using the Backup feature.

9. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We will make reasonable efforts to notify users of planned downtime.

10. Limitation of Liability

The Service is provided "as is" without warranties of any kind. All Expenses Paid is not a substitute for professional accounting or tax advice. We are not responsible for any financial decisions made based on data in the Service. To the maximum extent permitted by law, our liability is limited to the amount you paid for the Service in the 12 months preceding the claim.

11. Changes to Terms

We may update these Terms of Service from time to time. We will notify registered users of significant changes via email. Continued use of the Service after changes take effect constitutes acceptance of the updated terms.

12. Contact

For questions about these terms, please contact us at [email protected].