Terms of Service

1. Acceptance of Terms

By accessing or using BankReconPro ("the Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Service.

2. Description of Service

BankReconPro is a professional bank reconciliation platform designed for accounting firms. The Service enables users to:

• Upload and parse bank statements and general ledger exports
• Automatically match transactions using a multi-pass engine
• Review, approve, and export reconciliation reports
• Manage client accounts and team collaboration
• Generate AI-assisted narrative analyses

3. User Accounts

• You must be invited by a firm administrator to create an account
• You are responsible for maintaining the confidentiality of your login credentials
• You must immediately notify us of any unauthorized use of your account
• One person per account — sharing credentials is prohibited
• You must provide accurate and up to date information

4. Roles & Permissions

The Service uses role-based access control:

• Admin: Full access — manage team, clients, all reconciliations, billing
• Senior Accountant: Create and manage reconciliations for assigned clients
• Junior Accountant: Work on assigned clients with limited permissions
• Viewer: Read-only access to assigned client data

Admins are responsible for properly assigning roles and client access to team members.

5. Acceptable Use

You agree not to:

• Access data belonging to clients you are not assigned to
• Share confidential client data outside of authorized channels
• Attempt to circumvent access controls or security measures
• Upload malicious files, scripts, or harmful content
• Use the Service for any illegal purpose
• Scrape, reverse-engineer, or reproduce the Service

6. Data Ownership

• Your Data: You retain full ownership of all data you upload to BankReconPro
• License to Us: You grant us a limited license to process, store, and display your data solely for the purpose of providing the Service
• Our Content: The platform, UI, algorithms, and documentation are our intellectual property
• Export: You may export your data at any time in standard formats

7. Fees, Payments & Refund Policy

• You may cancel your subscription at any time from your Billing settings
• Refund eligibility: If you cancel within 24 hours of subscribing and have not run a bank reconciliation, you are eligible for a full refund
• No refunds for AI usage: If you have used any AI-powered features (AI chat assistant, AI categorization, AI narrative reports), no refund will be issued — AI processing incurs third-party costs that cannot be recovered
• No refunds after reconciliation: Once you have run a bank reconciliation on the platform, all fees are final and non-refundable
• This includes monthly and annual subscription fees, one-time purchases, add-on features, and any charges incurred through usage of the Service
• You are responsible for understanding the features and limitations of your selected plan before purchase — we encourage use of the free trial to evaluate the Service
• Downgrades or cancellations take effect at the end of the current billing period — no prorated refunds will be issued for unused time
• If we terminate your account due to a violation of these Terms, no refund will be provided
• In the event of a billing error caused solely by us, we will issue a credit or correction at our discretion

8. Service Availability

• We aim for 99.9% uptime but do not guarantee uninterrupted service
• Planned maintenance will be communicated in advance when possible
• We are not liable for data loss due to unforeseen outages — regular backups are your responsibility

9. Confidentiality

We treat all client financial data as strictly confidential. Our obligations include:

• Encrypting data in transit and at rest
• Restricting access to authorized personnel only
• Maintaining audit logs of all data access
• Not disclosing data to third parties except as stated in our Privacy Policy

10. Limitation of Liability

BankReconPro is a tool to assist with bank reconciliation. It does not replace professional judgment.

• We are not liable for errors in reconciliation results arising from incorrect input data
• AI-generated narrative reports are advisory — users must review all outputs
• Our total liability is limited to the fees paid for the Service in the preceding 12 months
• We are not liable for indirect, consequential, or incidental damages

11. Termination

• You may terminate your account at any time by contacting your administrator
• We may suspend or terminate accounts that violate these Terms
• Upon termination, you may request a complete data export within 30 days
• After 30 days, all data associated with terminated accounts will be permanently deleted
• Refunds upon termination are subject to the conditions in Section 7 — see our full refund policy above

12. Governing Law

These Terms are governed by the laws of the State of Wyoming, United States. Any disputes shall be resolved in the state or federal courts located in Wyoming, USA.

13. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance. Material changes will be highlighted upon your next login.

14. Contact

Questions about these Terms? Contact us at info@bankreconpro.com.