Terms of Service
Effective Date: September 17, 2025
Last Updated: September 17, 2025
1. About This Service
Bank Statement to Excel is operated by Julien Vallini, an auto-entrepreneur registered in France. These terms govern your use of our website and services at bank-statement-to-excel.com.
2. Service Description
Our service converts PDF bank statements into Excel format by:
- Accepting PDF uploads (up to 5 pages for anonymous users)
- Extracting transaction data (dates, descriptions, amounts, categories)
- Providing downloadable Excel files
- Offering both free (limited) and paid subscription options
3. User Accounts and Subscriptions
3.1 Anonymous Usage
- One free conversion per day (maximum 5 pages per document)
- No account registration required
- Limited support available
3.2 Paid Subscriptions
- Account registration required (email and password)
- Credit-based system (1 credit = 1 page processed)
- Various subscription plans available
- Full customer support included
4. Acceptable Use
4.1 You May
- Upload your own legitimate bank statements
- Use our service for personal or business purposes
- Download and use the converted Excel files
4.2 You May Not
- Upload files you don't have the right to process
- Attempt to reverse engineer our service
- Use automated tools to abuse our free tier
- Upload malicious files or content
- Violate any applicable laws or regulations
- Share your account credentials with others
5. Data and Privacy
5.1 Your Data
- You retain ownership of your uploaded documents
- Files are automatically deleted after 48 hours
- We extract only transaction data necessary for conversion
- See our Privacy Policy for detailed information
5.2 Our Processing
- Files are processed using Google Gemini API
- Google Gemini does not retain any data from your files
- Processing occurs on secure servers
- All data transmission is encrypted
6. Payment Terms
6.1 Billing
- Payments processed securely through Stripe
- Subscriptions are billed according to your chosen plan
- Credits do not expire during active subscription
- All prices include applicable taxes
6.2 Refunds
- Refunds may be provided at our discretion
- Unused credits are non-refundable upon cancellation
- Contact us within 7 days for refund requests
- Processing errors will be resolved with credit restoration
7. Service Availability
7.1 Uptime
- We strive for high availability but cannot guarantee 100% uptime
- Maintenance windows may occur with advance notice when possible
- Service interruptions will be resolved as quickly as possible
7.2 Processing Limitations
- Maximum file size limits apply
- Some document formats or qualities may not process correctly
- Complex layouts may require manual review of results
- We cannot guarantee 100% accuracy of extracted data
8. Intellectual Property
8.1 Our Rights
- The service, software, and website design are our property
- Our trademarks and branding are protected
- You may not copy or reproduce our service
8.2 Your Rights
- You retain rights to your uploaded documents
- Converted Excel files belong to you
- You may use our service output for any lawful purpose
9. Disclaimers and Limitations
9.1 Service Disclaimer
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
9.2 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR USE.
9.3 Accuracy Disclaimer
- While we aim for 99.9% accuracy, conversion results may contain errors
- You should verify all extracted data
- We are not responsible for decisions based on converted data
- Actual accuracy may vary depending on document quality and format
10. Termination
10.1 Your Rights
- You may cancel your account at any time
- Cancellation stops future billing immediately
- Remaining credits are forfeited upon cancellation
10.2 Our Rights
We may terminate or suspend accounts for:
- Violation of these terms
- Fraudulent or illegal activity
- Abuse of our service
- Non-payment of fees
11. Changes to Service and Terms
- We may modify our service or these terms at any time
- Material changes will be communicated via email to registered users
- Continued use after changes constitutes acceptance
- You may cancel if you disagree with changes
12. Governing Law
These terms are governed by French law. Any disputes will be resolved in French courts, except where prohibited by local consumer protection laws.
13. Contact and Support
For questions, support, or to report issues:
- Email: contact@bank-statement-to-excel.com
- We aim to respond within 48 hours during business days
14. Severability
If any part of these terms is found unenforceable, the remainder continues in full force and effect.
15. Entire Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between you and Bank Statement to Excel regarding use of our service.
By using our service, you acknowledge that you have read, understood, and agree to these Terms of Service.