How these terms apply
These Terms of Use explain who may process a statement, which results need verification, and which product limits apply. Use the service only when you accept these responsibilities.
Key responsibilities
Process only statements for which you have permission. Retain the source document and independently verify all output.
Use authorized documents
Authorization is required before any financial document is uploaded, analyzed, retained, or shared.
Verify every output
Check every extracted date, description, sign, amount, and balance against the originating statement.
Keep required records
Keep your own records whenever tax, legal, commercial, or accounting obligations require them.
Authorized use
Only submit a document when you hold the necessary processing authority. The service must never be used to acquire, reveal, or abuse someone else's financial data.
Synthetic statement generator
Generator output is restricted to fictional software tests, instruction, demonstrations, and budgeting exercises. No generated document comes from a bank, and it cannot be modified or offered as evidence of identity, address, assets, income, credit standing, ownership, or transactions. Never conceal the BANK-STATEMENT.NET watermark or synthetic notice, copy a real institution, use another person's information, or present the output as an official document.
Verification required
Errors may occur in extraction, categorization, reconciliation, charts, coverage notices, and repeated-payment suggestions. Compare both copied and calculated fields with the statement and separate records.
A review confirmation documents one step in a workflow; it is not an audit conclusion, assurance, authentication, or professional sign-off. Copied and inferred fields are distinguished in the statement analysis methodology. For photographed or scanned pages, follow the OCR output verification checklist.
No professional advice
This service offers no advice concerning finance, law, tax, accounting, lending, credit, fraud, or investments. It cannot validate statements or determine eligibility for products and benefits.
Account storage
People who sign in can elect to retain original statements and their analyses. Files in a free profile are removed after 30 days; paid files do not expire automatically. Even so, the workspace cannot replace an archive required for legal, tax, or accounting purposes. Consult the bank statement recordkeeping guide for supporting-record needs. The private file manager supports renaming, downloading, organizing, and permanent deletion. Upload and storage practices are covered in the Privacy Policy.
Paid subscriptions and reports
Plus costs $4.99 monthly or $39.99 annually, while Pro costs $9.99 monthly or $79.99 annually. The $2.99 Enhanced Single Report is a one-time purchase, not a subscription. A paid plan renews on its displayed schedule until cancellation. Before payment, checkout identifies both the exact amount and renewal frequency. Signed-in customers manage changes and cancellation in the billing portal. Cancelling prevents the next renewal and ordinarily does not refund part of the current period. Continued access follows the processor's displayed billing status and dates.
Service availability
Features or limits may change when necessary for user protection, legal compliance, or service reliability. Temporary output expires, and profile storage cannot serve as an official bank archive or professional records system.
Usage allowances
Every plan, including annual billing, receives a new statement-analysis allowance at 00:00 UTC on the first day of each month. A file rejected during validation does not use the monthly quota, although repeated attempts are rate-limited. Circumventing limits through cleared browser state, duplicate profiles, or simultaneous requests is prohibited.
Planning tools and reports
Budgeting, goals, repeated-payment suggestions, financial-health labels, cash-flow views, and forecasts merely organize saved statement information. Missing documents, illegible dates, mixed currencies, or incorrect categories can make them incomplete or inaccurate. Unless a documented conversion method is available, separate currencies. Verify source rows and seek suitable independent advice before making financial decisions.
Household collaboration
Household invitations should go only to intended participants. Acceptance grants the chosen product role and, optionally, contribution of calculated totals. It neither transfers statement ownership nor permits access beyond the controls provided. Participants may not deduce, copy, or misuse another person's financial details. Owners must revoke access when it is no longer appropriate.
Currency conversion records
Users supply every currency-conversion calculation and remain responsible for its rate, source, URL, date, amount, rounding, and purpose. Saving the calculation does not make the rate official, acceptable to another party, or fit for tax or accounting work. Retain whatever independent evidence the intended use requires.
Referral program
To earn a referral reward, a genuinely new profile must successfully finish a valid statement analysis. Self-referral, duplicate profiles, automated signups, deceptive promotion, purchased referrals, and evasion of the monthly cap are forbidden. Never distribute another person's statement or private financial details with a referral link. Rewards connected to abuse or invalid activity may be denied or reversed.
Reminders and account limits
Account Settings controls optional reminder emails, which contain no private financial figures. The plan displayed in the product determines available account slots, reports, statement questions, storage, and analyses. Marking an account inactive keeps its connected history while freeing the active slot.
Acceptable automation
Attempts to evade limits, inspect another user's results, submit malicious software, or disrupt the service with automation are prohibited. Scraping or republishing public material to produce deceptive or low-value pages is also prohibited.