By accessing and using Sheets Finances ("the Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Service.
These Terms constitute a legally binding agreement between you and Sheets Finances regarding your use of our financial management application and related services.
2. Description of Service
What We Provide
• Financial data management and analysis tools
• Google Sheets integration for data storage
• AI-powered financial insights and assistance
• Budget tracking and reporting features
• Multi-currency support and conversion
• Subscription-based premium features
Sheets Finances is a web-based application that helps you manage your personal finances by integrating with Google Sheets and providing intelligent analysis tools. The Service is not intended for commercial or business use without explicit permission.
3. User Accounts and Registration
Account Requirements
• You must be at least 18 years old to use this Service
• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must notify us of any unauthorized use
• One account per person or household
To use our Service, you must create an account using Google OAuth. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4. Acceptable Use
Permitted Uses
• Personal financial management
• Budget planning and tracking
• Financial data analysis
• Using AI features for financial insights
• Sharing data with authorized users
Prohibited Uses
• Commercial or business use without permission
• Attempting to reverse engineer the Service
• Violating any applicable laws or regulations
• Interfering with Service operations
• Sharing account credentials
• Uploading malicious content
5. Financial Data and Privacy
Data Handling
• Your financial data remains in your Google Sheets
• We process data only to provide our services
• We implement industry-standard security measures
• We do not sell your personal or financial data
• You control access to your Google Sheets
By using our Service, you acknowledge that:
You are responsible for the accuracy of your financial data
We may process your data to provide AI insights and analysis
Your data may be temporarily cached for performance purposes
You can revoke access to your Google Sheets at any time
6. Subscription and Payment
Billing Terms
• Subscriptions are billed monthly or annually
• Payment is processed through Stripe
• Prices are subject to change with 30 days notice
• No refunds for partial periods
• You can cancel anytime through your account settings
Some features of our Service require a paid subscription. By subscribing, you agree to:
Pay all applicable fees and taxes
Provide accurate billing information
Authorize automatic recurring payments
Notify us of any billing disputes within 30 days
7. Intellectual Property
Ownership Rights
Our Content
The Service, including its design, functionality, and content, is owned by Sheets Finances and protected by intellectual property laws.
Your Data
You retain ownership of your financial data and content. You grant us a limited license to process your data to provide our services.
Third-Party Content
Our Service may include content from third parties (Google, AI providers) subject to their respective terms and licenses.
8. Disclaimers and Limitations
Important Disclaimers
• The Service is provided "as is" without warranties
• We do not provide financial, tax, or investment advice
• AI insights are for informational purposes only
• We are not responsible for financial decisions you make
• Service availability is not guaranteed
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SHEETS FINANCES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.
9. Service Availability
We strive to maintain high service availability, but we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:
Scheduled maintenance and updates
Technical difficulties or system failures
Third-party service outages (Google, Stripe, etc.)
Force majeure events beyond our control
10. Termination
Termination Rights
By You
You may terminate your account at any time through your account settings or by contacting us. Your data will be handled according to our Privacy Policy.
By Us
We may suspend or terminate your account if you violate these Terms of Use, engage in fraudulent activity, or for other legitimate business reasons with appropriate notice.
11. Third-Party Services
Our Service integrates with third-party services including:
Google Services: OAuth authentication and Google Sheets API
Stripe: Payment processing and subscription management
Supabase: Database and user management services
AI Providers: Google Gemini for AI-powered features
Analytics: Mixpanel for usage analytics (with consent)
Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the actions or policies of these third parties.
12. Governing Law and Disputes
Legal Framework
• These Terms are governed by the laws of [Romania]
• Disputes will be resolved through binding arbitration
• You waive the right to participate in class action lawsuits
• Any legal action must be brought within one year
13. Changes to Terms
We may modify these Terms of Use at any time. We will notify you of material changes by:
Posting the updated Terms on our website
Sending email notification to your registered address
Displaying a notice in the application
Your continued use of the Service after changes become effective constitutes acceptance of the new Terms. If you do not agree to the changes, you must stop using the Service.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will remain in full force and effect.
15. Contact Information
If you have any questions about these Terms of Use, please contact us:
• Email: [support@sheets-finances.com]
• Support: [support@sheets-finances.com]
• General Inquiries: [support@sheets-finances.com]
We will respond to your inquiry within 5 business days.
Acknowledgment
By using Sheets Finances, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please discontinue use of our Service.