Terms & Conditions — Simple Statement Converter

Please read these Terms and Conditions carefully before using Simple Statement Converter. By accessing or using the service you confirm that you have read, understood, and agreed to be bound by these terms. If you do not agree, please do not use the service.

1. Who We Are

Simple Statement Converter ("we", "us", "our") is a web-based PDF-to-spreadsheet conversion tool for bank statements, available globally. References to "you" or "user" mean any individual or entity accessing or using the service.

2. Description Of Service

Simple Statement Converter extracts transaction data from PDF bank statements and returns the data as a downloadable CSV or Excel file. Extraction is performed by our own software, running on our own servers, by default, including for scanned or image-only statements, which are read using our own OCR software. For the small minority of statements our local software cannot confidently parse, a rate-limited, privacy-scrubbed AI-assisted fallback may be used to complete the extraction, as described in our Privacy Policy. Every uploaded file is automatically scanned for malware before processing. The service is provided on an "as is" and "as available" basis. Features may be modified, suspended, or discontinued at any time without notice.

3. Eligibility And Account

The service is intended for users aged 18 and over (or the age of digital consent in your jurisdiction, whichever is higher). By using the service you represent that you are of legal age. Using the service requires creating an account, and you are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

4. Acceptable Use

You agree to use the service only for lawful purposes. You must not:

Upload files that you do not have legal authority to process.
Use the service to process forged, falsified, fraudulent, or stolen documents.
Attempt to reverse-engineer, decompile, disrupt, overload, or circumvent any part of the service.
Upload malicious files (including malware, viruses, or exploit payloads).
Use the service in any manner that violates applicable law, including but not limited to: the Computer Fraud and Abuse Act (USA), the Computer Misuse Act 1990 (UK), the Criminal Code Act 1995 (Australia), or equivalent legislation in your jurisdiction.
Reproduce, redistribute, or resell the service or its output for commercial purposes without our written consent.

5. Accuracy Of Extracted Data

We make reasonable efforts to extract transaction data accurately. Our extraction engine is designed to reconcile extracted data against the opening and closing balances printed on the statement. However, PDF structures vary across statement versions and bank formats, and we cannot guarantee that every extraction will be error-free or complete. You are responsible for reviewing the extracted data before using it for any financial, accounting, legal, or regulatory purpose. Simple Statement Converter is not a financial services provider and does not provide financial advice.

6. Intellectual Property

The Simple Statement Converter application, including its source code, design, branding, and documentation, is our intellectual property and is protected by applicable copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, or distribute any part of the service without prior written permission. The data generated from your own bank statements belongs to you.

7. Privacy And Data

Your use of the service is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the service you agree to the collection and use of information as described in that policy.

8. Disclaimer Of Warranties

To the fullest extent permitted by law, the service is provided without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, accuracy, title, and non-infringement.

Australian users: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot be excluded, restricted, or modified by agreement. Where our liability cannot be excluded under Australian Consumer Law, it is limited to re-supplying the service or paying the cost of having the service re-supplied.

EU and UK users: Nothing in these Terms affects your statutory rights as a consumer under applicable EU Directives or UK consumer protection legislation, including the Consumer Rights Act 2015 (UK) and the Consumer Rights Directive 2011/83/EU.

New Zealand users: Nothing in these Terms limits rights you may have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986.

Canadian users: Nothing in these Terms limits rights you may have under applicable provincial consumer protection legislation, including the Consumer Protection Act, 2002 (Ontario) or equivalent.

9. Limitation Of Liability

To the maximum extent permitted by applicable law, Simple Statement Converter and its operators shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or damages for loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or in connection with your use of or inability to use the service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claims arising out of or related to the service shall not exceed the greater of (a) the amount you paid to use the service in the 12 months preceding the claim, or (b) USD 100 (or equivalent in your local currency).

Certain jurisdictions do not allow the exclusion or limitation of certain damages. The above limitations and exclusions apply to the fullest extent permitted by law in your jurisdiction.

10. Indemnification

You agree to indemnify and hold harmless Simple Statement Converter and its operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to or use of the service, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.

11. Third-Party Links And Services

The service may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party site. Accessing third-party sites is at your own risk.

12. Governing Law And Dispute Resolution

12.1 Primary governing law
These Terms are governed by the laws of [INSERT YOUR COMPANY'S GOVERNING JURISDICTION — e.g. the state or country where your business is legally registered], without regard to conflict-of-law principles.

12.2 EU and UK users
If you are a consumer resident in the European Union, you may also benefit from mandatory provisions of the law of your country of residence. Nothing in these Terms affects your right to rely on such provisions. EU consumers may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/odr. UK consumers may contact the UK's Alternative Dispute Resolution (ADR) services.

12.3 US users — informal resolution and binding arbitration
For users in the United States, we encourage resolving disputes informally first. If a dispute cannot be resolved informally within 30 days of written notice, it shall be finally resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. You waive your right to participate in a class action lawsuit or class-wide arbitration to the extent permitted by applicable law. Nothing herein prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction. This arbitration agreement does not apply to residents of states where such agreements are unenforceable.

12.4 Australian users
Australian users may refer disputes to the relevant consumer tribunal or the Australian Competition and Consumer Commission (ACCC) where applicable.

12.5 Canadian users
Canadian users may refer disputes to the relevant provincial consumer protection body or the Competition Bureau of Canada where applicable.

13. Consumer Cancellation And Withdrawal Rights

EU consumers: Under Directive 2011/83/EU, you have the right to withdraw from a distance contract within 14 days without giving any reason. However, because Simple Statement Converter provides a digital service that is fully performed upon processing your PDF (which is complete within seconds of upload), by requesting the service you expressly consent to immediate performance and acknowledge that your right of withdrawal is lost upon completion of the service in accordance with Article 16(m) of the Directive.

UK consumers: The same principles apply under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. By requesting processing you consent to immediate supply and acknowledge the loss of cancellation rights upon completion.

14. Accessibility

We aim to make the service accessible to users with disabilities. If you experience accessibility barriers, please contact us and we will make reasonable efforts to accommodate your needs.

15. Force Majeure

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including acts of God, natural disasters, pandemics, war, government action, internet outages, or third-party infrastructure failures.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Simple Statement Converter regarding your use of the service and supersede all prior agreements and understandings.

18. Changes To These Terms

We may revise these Terms at any time. Updated terms will be posted on this page with a revised date. Your continued use of the service after changes are posted constitutes your acceptance of the revised Terms. If changes are material, we will make reasonable efforts to notify users.

19. Contact

For questions about these Terms, please contact us via our contact page.