Terms of Service

Last updated: March 3, 2026

1. Acceptance of Terms

By accessing and using PayTrackify ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

PayTrackify is a financial expense tracking service that automatically syncs with your Gmail account to extract, categorize, and analyze bank transaction emails. The service provides:

  • Automatic Gmail synchronization for transaction emails only
  • AI-powered transaction categorization and analysis
  • Financial analytics and reporting dashboard
  • Expense tracking and spending insights
  • Custom category creation and management

3. User Responsibilities

As a user, you are responsible for:

  • Maintaining the security of your account credentials
  • Ensuring the accuracy of your financial data
  • Using the service for lawful purposes only
  • Not attempting to circumvent service limitations
  • Providing accurate information when required
  • Not sharing your account access with unauthorized users

4. Gmail Integration and Data Access

Our service requires Gmail access with the following specific limitations and commitments:

4.1 Access Scope

  • Read-only access to Gmail messages
  • Automatic scanning for transaction-related emails only
  • No deletion or modification of your emails
  • No access to personal emails, social media, or marketing content

4.2 Data Processing

  • AI Filtering: Only transaction emails are processed
  • Structured Data: Email content converted to transaction data
  • No Raw Storage: Original emails not permanently stored
  • Secure Processing: All processing in encrypted environment

4.3 User Control

  • Revoke Access: Disconnect Gmail access anytime
  • Delete Data: Remove all processed data on request
  • Export Data: Download your financial data anytime

5. Data Privacy and Security

We are committed to protecting your data privacy and security:

5.1 Data Protection

  • Encryption: All data encrypted in transit and at rest
  • Access Controls: Strict authentication and authorization
  • Audit Logs: All data access logged and monitored
  • Compliance: GDPR, CCPA, and other privacy regulations

5.2 Data Usage

  • Service Provision: To provide financial tracking services
  • AI Improvement: To enhance categorization accuracy
  • Analytics: To provide spending insights (aggregated only)
  • No Marketing: Never used for advertising or marketing

6. Intellectual Property

6.1 Service Ownership

PayTrackify retains all rights, title, and interest in the service, including:

  • Software code and algorithms
  • AI models and training data
  • User interface and design
  • Trademarks and branding

6.2 User Data

You retain ownership of your financial data. We only process your data to provide the service as described in this agreement.

7. Service Availability and Performance

7.1 Availability

We strive to maintain high service availability but cannot guarantee 100% uptime. The service may be temporarily unavailable for:

  • Scheduled maintenance and updates
  • Emergency repairs or security updates
  • Third-party service outages (Google API, hosting providers)
  • Force majeure events beyond our control

7.2 Performance

Service performance may vary based on:

  • Your internet connection and device capabilities
  • Gmail API rate limits and availability
  • Volume of transaction data being processed

8. Limitation of Liability

To the fullest extent permitted by law:

  • The service is provided "as is" without warranties of any kind
  • We are not liable for financial decisions made based on service data
  • We are not responsible for errors in transaction categorization
  • Our total liability shall not exceed the amount paid for the service
  • We are not liable for indirect, incidental, or consequential damages

9. Termination

9.1 User Termination

You may terminate your account at any time by:

  • Deleting your account through the service interface
  • Contacting our support team
  • Revoking Gmail access through Google settings

9.2 Service Termination

We may terminate or suspend your account for:

  • Violation of these terms of service
  • Suspicious or fraudulent activity
  • Extended period of inactivity
  • Legal or regulatory requirements

9.3 Data Retention

Upon termination, we will:

  • Immediately revoke Gmail access
  • Delete account data within 30 days (unless legally required to retain)
  • Provide data export upon request before deletion

10. Compliance and Legal Requirements

10.1 Regulatory Compliance

We comply with applicable laws and regulations, including:

  • General Data Protection Regulation (GDPR)
  • California Consumer Privacy Act (CCPA)
  • Google API Terms of Service
  • Financial data protection regulations

10.2 Law Enforcement

We may disclose user information when required by law, court order, or government request, after careful legal review and notification where permitted.

11. Payment Terms (if applicable)

11.1 Subscription Fees

If you subscribe to a paid plan:

  • Fees are charged monthly or annually as selected
  • Prices may change with 30 days notice
  • No refunds for partial months of service
  • Auto-renewal unless cancelled

11.2 Free Trial

Free trial periods may be offered with limitations on features or data volume. Trial converts to paid plan unless cancelled before trial end.

12. Dispute Resolution

12.1 Governing Law

These terms are governed by the laws of [Your Jurisdiction] without regard to conflict of law principles.

12.2 Arbitration

Any disputes arising from these terms or service use shall be resolved through binding arbitration rather than court proceedings, except for claims that may be brought in small claims court.

13. Changes to Terms

We may update these terms from time to time. We will notify you of significant changes by:

  • Emailing the address associated with your account
  • Posting a notice in the service
  • Updating the "Last updated" date at the top

Continued use of the service after changes constitutes acceptance of the new terms.

14. Contact Information

If you have questions about these Terms of Service, please contact us at:

  • Email: support@paytrackify.com
  • Support: support@paytrackify.com