Terms of Service

1. Acceptance of Terms

By downloading, installing, accessing, or using the software (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

"Bank Extract" refers to the software application provided by Bank Extract ("we", "us", or "the Company"), developed and operated by an independent software creator under the laws of Argentina. For any legal purposes or formal requests, the provider may be contacted at support@bank-extract.com.

2. Local-First Architecture & Data Privacy

Bank Extract operates under a strict local-first model. Your PDFs, financial records, and extracted data are processed exclusively within your device's memory (RAM) and are not uploaded to our servers.

You acknowledge that:

You are solely responsible for backing up your own data.
We cannot recover any files or data if your device is lost or damaged.
We assume no liability for data breaches resulting from the insecurity of your personal device.

3. License Grant & Restrictions

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Software.

You agree NOT to:

Reverse engineer, decompile, or disassemble the Software.
Share, publish, redistribute, or resell your License Key to any third party.
Use the Software for any illegal, fraudulent, or unauthorized purpose.

4. Subscriptions, Payments & Refunds

Payments are processed by Paddle (Merchant of Record). Since we offer a free trial/demo to test the software, all sales are final. Refunds are only issued for technical failures at our discretion.

5. User Responsibility & Data Verification (The "Tool" Clause)

PLEASE READ CAREFULLY:

Bank Extract is strictly a productivity tool, similar to a calculator or a hammer. It is an instrument designed to assist you, but it does not replace your professional judgment.

Just as a hammer manufacturer is not responsible if you hit your finger, Bank Extract is not responsible if the software extracts a number incorrectly due to poor PDF formatting, and you fail to notice it.

YOU ACKNOWLEDGE THAT IT IS YOUR SOLE AND ABSOLUTE RESPONSIBILITY TO AUDIT, REVIEW, AND VERIFY EVERY SINGLE LINE OF DATA EXTRACTED BY THE SOFTWARE AGAINST THE ORIGINAL DOCUMENT.

Bank Extract IS NOT an accounting firm, auditor, or financial advisor. We do not guarantee 100% accuracy because PDF formats vary wildly. By using the software, you assume full responsibility for the final data used in your tax filings, financial reports, or business decisions.

6. Limitation of Liability

To the maximum extent permitted by law, Bank Extract shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

Our total cumulative liability to you shall not exceed the amount you paid for the Software in the 12 months preceding the claim.

7. Intellectual Property

The Service and its original content are the exclusive property of the creator of Bank Extract. Protected by copyright laws of Argentina.

8. Indemnification

You agree to defend, indemnify and hold harmless Bank Extract from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Software.

9. Dispute Resolution & Class Action Waiver

If you have any concern or dispute, you agree to first try to resolve the dispute informally by contacting us at support@bank-extract.com. We will make good-faith efforts to address any concerns.

NO CLASS ACTIONS:

YOU AGREE THAT YOU MAY ONLY BRING CLAIMS AGAINST BANK EXTRACT ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Argentina, without regard to conflict of law principles.

11. Changes to Terms

We reserve the right to modify these Terms at any time. By continuing to use our Service after revisions become effective, you agree to be bound by the revised terms.

12. Third-Party Components & Open Source Licenses

The Software includes open-source components (including but not limited to Jspreadsheet CE, PDF.js, and SheetJS) which are subject to their own respective licenses (such as MIT, Apache 2.0, or similar open-source licenses).

13. Disclaimer of Warranties

IMPORTANT LEGAL NOTICE — PLEASE READ CAREFULLY

THE SERVICE IS PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BANK EXTRACT EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Service will meet your specific requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) the results obtained from use of the Service will be accurate, complete, or reliable; or (d) any errors in the Service will be corrected. Your use of the Service is entirely at your own risk.

14. Force Majeure

Bank Extract shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to: acts of God, war, terrorism, civil unrest, government action, fire, flood, earthquake or other natural disasters, labor disputes, internet or network outages, or third-party service failures (including Paddle's payment infrastructure). In such events, our obligations will be suspended for the duration of the circumstances.

15. Entire Agreement & Severability

These Terms of Service, together with the Privacy Policy and End User License Agreement (EULA), constitute the entire agreement between you and Bank Extract regarding the use of the Service, and supersede all prior agreements, understandings, negotiations, and discussions — whether oral or written — between the parties. No representative of Bank Extract has authority to make any representation or promise not contained in these Terms. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

If any provision of these Terms is held to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.

16. Governing Language

These Terms of Service were originally drafted in English. While we provide translated versions for your convenience, the English version shall be the controlling, authoritative text. In the event of any conflict, ambiguity, or discrepancy between the English version and any translated version, the English version shall prevail in all cases.

Contact

For questions about these Terms, license issues or support, please contact us:
support@bank-extract.com