Terms of Service

1. What This Tool Does

Transaction Reconstruction helps you answer questions about your payment history by analysing bank statements you upload. It extracts transaction data, groups related transactions, and calculates totals based on your selections.

Important: The tool shows you data from your statements. It does not verify accuracy, provide financial advice, or guarantee completeness.

2. What This Tool Is Not

• Not legal advice: Results should not be used as evidence in legal, regulatory, or court proceedings without professional verification
• Not accounting advice: This tool does not replace a qualified accountant or auditor
• Not tax advice: Do not use results for tax filings without consulting a tax professional
• Not an official record: Outputs are summaries for personal reference, not certified financial documents
• Not a replacement for professional consultation: For important financial decisions, consult qualified professionals

3. Your Responsibilities

Document ownership

By uploading documents, you confirm that you have the legal right to access and process them. Do not upload:

• Documents belonging to others without their consent
• Documents obtained illegally
• Documents you're prohibited from sharing

Verification

You are responsible for verifying that results are accurate before using them for any purpose. The tool relies on the data in your statements — if your statements contain errors, the results will too.

Decisions

You make all decisions about which transactions to include or exclude. The tool suggests matches based on your query, but the final selection is yours. You accept responsibility for those choices.

4. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Upload malicious files or attempt to compromise the service
• Circumvent usage limits or payment requirements
• Use automated systems to access the service excessively
• Resell or redistribute the service without permission

5. Payment Terms

Free tier: Limited queries available without payment. Limits may change at our discretion.

Paid usage: Payments are processed by Stripe. By making a payment, you agree to Stripe's terms of service.

Refunds: Due to the nature of digital services, refunds are generally not provided once a query has been processed. If you experience a technical issue that prevents service delivery, contact us.

6. Intellectual Property

Your data: You retain all rights to documents you upload and data you export. We claim no ownership over your financial information.

Our service: The service, including its design, code, and methodology, is our intellectual property. You may not copy, modify, or reverse-engineer the service.

7. Limitation of Liability

To the maximum extent permitted by law:

• The service is provided "as is" without warranties of any kind
• We are not liable for decisions made based on results from this tool
• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid for the service (if any)

Nothing in these terms excludes or limits liability that cannot be excluded under Australian Consumer Law.

8. Availability

We aim to keep the service available but do not guarantee uptime. We may suspend or discontinue the service at any time for maintenance, updates, or other reasons. We'll provide notice when practical.

9. Changes to Terms

We may update these terms. The "Last updated" date will reflect changes. Continued use after changes constitutes acceptance. For significant changes, we'll provide notice on the homepage.

10. Governing Law

These terms are governed by the laws of Australia. Any disputes will be resolved in Australian courts.

11. Termination

We may suspend or terminate your access if you violate these terms. You may stop using the service at any time. Upon termination, your session data is deleted per our standard retention policy.

12. Contact

Questions about these terms? Email us at legal@example.com