Last Updated: November 29, 2024 | Effective Date: November 29, 2024
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Expansas LLC ("Expansas," "we," "us," or "our"), governing your access to and use of the Expansas Financial platform, including our website, applications, and services (collectively, the "Service").
By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.
Expansas Financial is currently available to users in the United States only. By signing up for and using the Service, you represent and warrant that you are either:
We may expand availability to additional countries in the future. Using the Service from outside the United States is prohibited and may result in account termination.
To use the Service, you must:
If you are using the Service on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.
Expansas Financial is a cloud-based financial management platform that provides:
EXPANSAS IS NOT AN ACCOUNTING FIRM, TAX ADVISOR, OR FINANCIAL ADVISOR.
The Service is a software tool only. AI-powered categorizations, insights, and suggestions are provided for informational purposes and should not be considered professional financial, tax, or legal advice. You are solely responsible for verifying the accuracy of all categorizations and should consult with qualified professionals (CPA, tax attorney, financial advisor) for advice specific to your situation.
You are responsible for:
We strongly recommend enabling multi-factor authentication (MFA) on your account.
You agree NOT to:
We offer various subscription tiers (Free, Starter, Growth, Professional, Enterprise) with different features and pricing. Current pricing is available on our website and may be updated periodically.
Paid subscriptions are billed in advance on a monthly or annual basis. By subscribing, you authorize us to charge your payment method automatically at the start of each billing period.
Subscriptions automatically renew unless cancelled before the renewal date. You may cancel at any time through your account settings or by contacting support.
Annual subscriptions may be eligible for a prorated refund within the first 30 days. Monthly subscriptions are non-refundable. Contact [email protected] for refund requests.
The Service integrates with third-party services. Your use of these integrations is subject to their respective terms:
We are not responsible for the availability, accuracy, or practices of third-party services.
Our Service uses artificial intelligence for transaction categorization and chat assistance. You acknowledge that:
See our Privacy Policy for information about how AI processes your data.
You retain ownership of your data. We do not claim ownership of the financial data, documents, or other content you upload to the Service.
You may export your data at any time in standard formats (CSV, PDF). Upon account termination, you will have 30 days to export your data before it is deleted.
The Service, including its software, design, features, and content (excluding your data), is owned by Expansas LLC and protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Service for its intended purpose.
You may not copy, modify, distribute, sell, or lease any part of the Service without our written permission.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXPANSAS'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO EXPANSAS IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100).
IN NO EVENT SHALL EXPANSAS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE.
These limitations do not apply to liability for gross negligence, willful misconduct, fraud, or death/personal injury caused by our negligence.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
You agree to indemnify, defend, and hold harmless Expansas LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your financial data or content.
You may cancel your subscription and close your account at any time through account settings or by contacting [email protected].
We may suspend or terminate your access immediately if you: breach these Terms, engage in fraudulent activity, fail to pay fees, or as required by law. We may also terminate accounts with 30 days notice for any reason.
Upon termination: your license to use the Service ends, outstanding fees become due, and you have 30 days to export your data. After 30 days, your data will be deleted in accordance with our data retention policy.
Before filing any formal dispute, you agree to contact us at [email protected] and attempt to resolve the dispute informally for at least 60 days.
Any dispute that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Utah, and judgment on the award may be entered in any court of competent jurisdiction.
YOU AGREE TO RESOLVE DISPUTES WITH EXPANSAS ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.
Either party may bring claims in small claims court if the claim qualifies.
These Terms are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. For any disputes not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Utah.
We may update these Terms from time to time. We will notify you of material changes by email and/or by posting a notice on the Service at least 30 days before changes take effect. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.
If you have questions about these Terms, please contact us:
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