Terms of Service

1. The agreement

These Terms of Service (“Terms”) are an agreement between you and AffZero LLC (“AffZero LLC”, “we”, “us”), a limited liability company organised in Wyoming, United States, with its address at 30 N Gould St, Ste R, Sheridan, WY 82801, United States. They cover your use of ExpenseCatcher, the website at expensecatcher.com and the related services (together, the “Service”).

By creating an account or using the Service you agree to these Terms, our Privacy Policy and, if you buy a paid plan, our Refund Policy. If you use the Service for a business, you agree on behalf of that business, and our Data Processing Addendum forms part of these Terms.

You must be at least 18 years old, or the age of majority where you live, and able to enter a binding contract. You may not use the Service if you are barred from doing so by law, including U.S. export and sanctions rules.

2. The Service

ExpenseCatcher gives you private email addresses, each belonging to a “catcher”. When an email reaches a catcher, we read it, extract data such as vendor, date and totals, and run the steps you configured — for example saving the file to your Google Drive, adding a row to your Google Sheet, forwarding it to an address you choose, emailing you a summary or calling a webhook. Each processed email is a “catch”.

We improve the Service continuously and may add, change or remove features. If we remove a feature that is a material part of a paid plan, we will tell you in advance and, if you no longer want the plan, refund the unused part of any prepaid period. Features marked beta or preview are offered as they are and may change or end.

3. Your account

• You sign in with a Google account. Keep it secure — you are responsible for activity under your ExpenseCatcher account.
• Keep your catch addresses private. Anything sent to them is treated as sent by you and processed under your account, and counts toward your plan. If an address leaks, pause or delete that catcher and create a new one.
• Give us accurate information and tell us if you think your account has been misused.

4. Google services

ExpenseCatcher works with your Google Drive and Google Sheets using the drive.file permission, which lets us reach only the files and folders ExpenseCatcher creates or that you pick yourself. Your use of Google services is also governed by Google’s terms. We are not affiliated with or endorsed by Google. If you revoke our access, steps that need Google stop until you reconnect.

5. Your content

“Your content” means the emails, attachments and data you send to the Service and the results we produce from them. You own your content. You give AffZero LLC a limited, worldwide, non-exclusive licence to host, copy, process, transmit and display your content only as needed to provide, secure and support the Service for you — including sending it to the sub-processors listed on our Security page. This licence ends when your content is deleted under our retention schedule.

You confirm you have the right to send us the documents you forward, including any personal data of other people in them (for example names on invoices), and that doing so is lawful. When you process other people’s personal data through the Service for a business, you are the controller of that data and we are your processor under the Data Processing Addendum.

Don’t use the Service for data that needs special legal protection, such as health records, government ID numbers or full payment card numbers with security codes. The Service is not designed for it.

6. AI-read data

Receipt data is extracted automatically with an AI model, with pattern matching as a fallback. It can be incomplete or wrong. Check figures before relying on them for tax filings, reimbursement or accounting. You can correct any catch in the app and the correction is written back to your sheet. ExpenseCatcher does not give accounting, tax or legal advice, and nothing it produces makes decisions about you. We do not use your content to train AI models. See how we use AI.

7. Acceptable use

You agree not to:

• send spam through the Service, or forward or notify people who have not agreed to receive those emails;
• process content that is illegal, infringes someone’s rights, or that you have no right to share;
• send malware, or use catchers or webhooks to attack, probe or overload any system, including ours;
• try to get around plan limits, access other users’ data, or reverse engineer the Service except where the law allows;
• resell the Service or use it to build a competing product;
• use the Service in violation of any law, including data protection, consumer and anti-spam laws.

We may pause catchers or suspend accounts that break these rules, as described in section 10.

8. Plans, billing and automatic renewal

Free plan. The Free plan costs nothing and has the limits shown on the pricing page. We may change Free plan limits with notice.

Free trial. A new account gets the Basic plan’s limits free for 30 days. We don’t ask for payment details to start it, and nothing is charged when it ends: the account moves to the Free plan unless you have chosen a paid plan. Other paid plans have no trial and start when you pay. One trial per person. We may end a trial early if accounts are opened to get around plan limits.

Paddle is our reseller. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. When you buy a paid plan you also agree to Paddle’s Buyer Terms, and Paddle processes your payment details — we never see your full card number.

Automatic renewal. Paid plans are subscriptions. Unless you cancel, your plan renews automatically at the end of each billing period (monthly or yearly, as you chose) and Paddle charges the payment method on file the plan’s price at that time. The price, billing period and renewal terms are shown before you buy, and Paddle emails you a receipt for every charge.

Cancelling. You can cancel online at any time — from your account settings, or from the link in any Paddle receipt or at paddle.net — or by emailing hello@expensecatcher.com. Cancellation stops the next renewal; you keep the paid plan until the end of the period you have paid for, then move to the Free plan. Refunds are covered by the Refund Policy.

Price changes. We may change our prices and plans at any time, and a change applies immediately to new purchases. For a subscription you already have, a new price applies only from a renewal after we have emailed you about it, between 7 and 30 days in advance, with the new price and how to cancel. If you don’t want the new price, cancel before that renewal. We will send any other renewal reminders the law requires, for example before a yearly plan renews.

Limits and upgrades. Each plan includes a number of catches per calendar month (UTC), catchers and steps per catcher. Emails beyond your monthly catches are held, encrypted, and processed once catches are available again — when the next month starts or after an upgrade. An email we can’t process within 30 days is deleted without being processed. Upgrades take effect immediately and Paddle charges a prorated amount; downgrades take effect at the next renewal.

Failed payments. If a renewal payment fails, Paddle may retry it. If it still can’t be collected, we may move your account to the Free plan.

Taxes. Prices include VAT, GST and sales tax where they apply. Paddle, as merchant of record, calculates them and pays them to the tax authorities; your receipt shows the tax included.

9. Our property

The Service, its software, design and brand belong to AffZero LLC and its licensors. These Terms give you the right to use the Service, not to own it. If you send us feedback, we may use it without owing you anything.

10. Suspension and ending

You can stop using the Service at any time and delete your account from Settings. We may suspend or end your access if you materially break these Terms, if we must by law, or if your use puts the Service or others at risk. Where reasonable we will warn you first and give you a chance to fix the problem. If we end the Service for everyone, we will give at least 30 days’ notice and refund any prepaid period you could not use.

When an account is deleted we delete its data as described in the Privacy Policy. Files and sheets in your Google Drive are yours and stay where they are.

11. Destinations you choose

Steps can send your content to people and services you choose — forwarding addresses, notification addresses and webhook URLs. You are responsible for choosing them and for having the right to send data there. We are not responsible for how those third parties handle it.

12. Disclaimer

We work hard to keep ExpenseCatcher reliable and your data safe. But to the extent the law allows, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including fitness for a particular purpose, merchantability and non-infringement. We don’t promise that the Service will be uninterrupted or error-free, that every email will be caught, or that extracted data will be accurate. Keep your own records of anything important.

13. Limitation of liability

To the extent the law allows, AffZero LLC and its members, employees and suppliers are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or goodwill, arising from the Service. Our total liability for all claims relating to the Service is limited to the greater of the amounts you paid us in the 12 months before the claim and US$100.

Nothing in these Terms limits liability that cannot be limited by law, such as for fraud, gross negligence or wilful misconduct, or for death or personal injury caused by negligence. If you are a consumer, you keep all rights that the consumer laws of the country where you live give you and that cannot be waived by contract.

14. Indemnity

If you use the Service for a business, you will defend and indemnify AffZero LLC against third-party claims arising from your content or from your breach of these Terms or of the law, and pay the resulting reasonable costs and damages.

15. Governing law and disputes

Please contact us first at hello@expensecatcher.com — most problems can be solved quickly, and we will try in good faith for at least 30 days before either of us goes to court. These Terms are governed by the laws of the State of Wyoming and applicable U.S. federal law, without regard to conflict-of-law rules. Courts in Sheridan County, Wyoming, or the U.S. District Court for the District of Wyoming have exclusive jurisdiction, except that either of us may bring a claim in small-claims court. If you are a consumer living in the European Union, the United Kingdom or another country whose law gives you the right to bring proceedings at home, you may also do so there, and you keep the protection of that country’s mandatory law.

16. Changes to these Terms

We may update these Terms. If a change materially affects you, we will email you at least 30 days before it takes effect. If you keep using the Service after that, the new Terms apply; if you don’t agree, you can cancel and delete your account before then. The date at the top shows when these Terms last changed.

17. General

• These Terms, with the policies they refer to, are the whole agreement between us about the Service.
• If a part of these Terms can’t be enforced, the rest stays in effect. Not enforcing a right is not a waiver of it.
• You may not transfer these Terms without our consent. We may transfer them as part of a merger, acquisition or sale of assets, and will tell you if that happens.
• Neither of us is liable for delays caused by events beyond reasonable control.
• We send notices to the email address on your account; you can send notices to hello@expensecatcher.com.
• These Terms are written in English; any translation is for convenience only.

18. Contact

AffZero LLC
30 N Gould St, Ste R
Sheridan, WY 82801
United States
hello@expensecatcher.com