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Terms of Service

Terms for using Bank Statement Converter AI, including subscriptions, one-time page packs, cancellation, and refunds

Last updated: October 15, 2026

These Terms of Service ("Terms") are between you and guaguaguaxia, the individual operator of Bank Statement Converter AI ("we", "us"). This is an individual service. It is not offered by a separately registered company, and these Terms do not state a business street address.

The service converts bank-statement PDFs into CSV, Excel (XLSX), and OFX with the help of a third-party AI model. It is available at https://bankstatementconvertsai.com (the "Service").

Creating an account, buying a plan, or otherwise using the Service means you: (a) are at least 18 years old; (b) have read and agree to these Terms; (c) agree to the Privacy Policy; and (d) have authority to accept these Terms for yourself or for the organization you represent.

If you do not agree, do not use the Service. Continuing to use the Service after we update these Terms means you accept the updated Terms.

2. The Service

We provide an online software service that reads bank-statement files you upload and returns converted files. Access starts when payment is confirmed. Because delivery is immediate and digital, refunds are limited as described in section 7.

The Service uses DeepSeek, a third-party AI model provider, to read and convert statements. Output quality and availability can depend on that provider. AI output can be wrong, incomplete, or out of date. Check every result before you rely on it for accounting, tax, or other financial decisions. The Service is not legal, tax, accounting, or financial advice.

3. Accounts

You sign in with Google and must keep the account information accurate. You are responsible for activity under your account. Do not share access with anyone else. If you notice unauthorized use, email guaguaguaxia@gmail.com. Keep the email address on the account working, because billing messages go there.

If you register for a company or other organization, you confirm that you are allowed to bind that organization.

4. Plans

We offer a free allowance and paid Basic, Professional, and Business plans. Paid plans are sold as a monthly subscription, a yearly subscription, or a one-time page pack. Current prices and included pages are on the pricing page.

We may change plan features or add plans. Price changes for an existing subscription apply from the next renewal, not to a period you have already paid for.

Subscription pages expire at the end of that billing period and do not roll over. One-time page packs do not expire. When both are available, pages that expire sooner are used first, so subscription pages are used before one-time pages. Canceling a subscription does not cancel unused one-time pages.

5. Billing and payment

When you subscribe, you authorize us to charge the payment method you provide at the start of each billing period, until you cancel. A subscription renews automatically at the end of each period unless you cancel before the renewal. Yearly subscriptions renew for another year at the then-current price.

Each one-time page pack is a single charge for the amount shown at checkout. We do not automatically buy another pack for you.

Prices are in US dollars and exclude taxes unless the checkout page says otherwise. Where the law requires it, Waffo Pancake calculates and collects applicable tax.

Card data is processed only by Waffo Pancake, our PCI-DSS payment processor. We do not store your full card number.

6. Cancellation

You may cancel a subscription at any time, in either of these ways:

  • Online: sign in, open Billing, and choose Manage plan. That opens the Waffo Pancake customer portal, where you can cancel.
  • Email: send the request from the account email address to guaguaguaxia@gmail.com.

Cancellation stops the next renewal. The subscription stays available until the end of the period you already paid for, and we do not charge later periods. One-time pages you already bought stay available. Account files are deleted 24 hours after upload. After a job expires, we keep only the job ID, created time, page count, page movements, and final status for 90 days.

7. Refund policy

After you pay, email guaguaguaxia@gmail.com with your account email, the transaction reference, and the reason. We confirm the request within 2 business days and return an approved refund to the original payment method within 5 to 10 business days. Subscriptions and one-time page packs follow different rules, below.

Digital delivery starts as soon as payment succeeds, so fees are not refunded except in the cases below.

Subscriptions:

  • New subscribers can request a full refund within 7 days of the first charge if they have used no more than 10% of that plan's included pages.
  • A duplicate charge caused by a billing error is refunded in full.
  • If the Service is unavailable for more than 72 consecutive hours because of our failure, we refund or extend the unused portion of that period.
  • Rights that applicable law does not allow us to waive, including a cooling-off right where one exists, remain in force.

One-time page packs:

  • If none of the purchased pages have been used within 7 days of purchase, you can request a full refund.
  • Pages that have already been used are not refunded. Deleting a file does not return pages that were used to convert it.

Email guaguaguaxia@gmail.com with the account email, the transaction reference, and the reason. We confirm the request within 2 business days and return an approved refund to the original payment method within 5 to 10 business days.

We do not refund a subscription period that has already been used, except for the cases above. We do not refund a yearly subscription more than 30 days after the first purchase, except for a billing error or a right the law requires. We do not refund an account we closed for a violation of these Terms.

8. Billing disputes

If a charge looks wrong, email guaguaguaxia@gmail.com before you dispute it with your bank. We reply within 2 business days and correct a confirmed billing error within 5 business days.

9. Your files and AI output

You own the statements you upload and the converted files we return. You give us a limited, non-exclusive permission to process those files only to provide the Service, including sending the file contents to DeepSeek for conversion. We do not use your files or the converted output to train our own models.

You are responsible for checking the output. We do not guarantee that a conversion is complete or accurate.

10. Acceptable use

Use the Service only for statements you are allowed to process, for your own or your organization's bookkeeping. You agree not to:

  • Break the law, or use the Service to commit fraud or harassment.
  • Upload statements or other personal data you are not authorized to process.
  • Create malware, phishing content, or attack tools.
  • Infringe someone else's intellectual property or privacy.
  • Bypass security, probe the Service, or disrupt it.
  • Resell or share access without our written permission.
  • Use inputs, outputs, or responses to train, fine-tune, or benchmark a competing model.
  • Scrape outputs in bulk for any purpose other than your own authorized use.
  • Present AI output as the work of a licensed accountant, lawyer, or other professional.

11. Privacy

Use of the Service is also covered by the Privacy Policy. Payment card data is handled only by Waffo Pancake and is not stored on our servers.

12. Disclaimers and liability

The Service is provided "as is" and "as available". We disclaim warranties of merchantability, fitness for a particular purpose, and accuracy of AI output, to the extent the law allows.

To the extent the law allows, we are not liable for indirect, incidental, consequential, or punitive damages. Our total liability for a claim is limited to the amount you paid us for the Service during the 12 months before the claim.

13. Term and ending access

These Terms apply while you use the Service. We may suspend or close an account for a serious breach, suspected fraud, or a legal requirement. If we stop offering the Service for a reason other than your breach, we refund the unused prepaid portion. You can ask us to delete the account by emailing guaguaguaxia@gmail.com. You can also delete it from the account security settings while signed in.

14. Law and disputes

These Terms are governed by the laws of the individual operator's place of residence, without regard to conflict-of-law rules. Before starting a formal proceeding, email guaguaguaxia@gmail.com and give us a chance to resolve the issue informally.

15. Changes

We may update these Terms. For a material change, we will post the new Terms on this page at least 14 days before they take effect and send a notice to the account email. The date at the top of this page is the latest update. Using the Service after the effective date means you accept the change. If one provision is unenforceable, the rest stay in effect. These Terms and the Privacy Policy are the whole agreement between you and us.

16. Contact

Questions about these Terms, billing, cancellation, refunds, privacy, or security:

Using the Service, or checking out, means you have read and agree to these Terms.