Terms of service

1. Acceptance of Terms

By accessing or using PivotBank (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. The Service is provided by Muhammad Gulraize Bilal Ltd, registered in England and Wales, company number 15584684, registered office 8 Beechfield Street, Manchester, M8 0SG, United Kingdom.

2. Service Description

PivotBank is a browser-based tool that converts bank statement PDFs into Excel (XLSX) and CSV spreadsheets. PDF files are opened and read in your browser and are never uploaded to our servers. Where a statement cannot be resolved on your device, the extracted transaction lines are sent for processing, with identifying details removed first, as set out in our Privacy Policy. When you unlock a statement with a one-time payment, you additionally receive transaction categorisation, spending insights, and JSON export, and the extracted transaction data (never the original PDF) is saved to your account so you can re-download it.

3. Usage Tiers & Limits

There is no daily limit. We reserve the right to adjust what each tier includes with reasonable notice.

4. Payments

4.1 One-Time Statement Unlocks

PivotBank is free to use as a preview of any statement: the first five rows, checked against the balance, with no daily limit. To unlock a single statement, converting every page with no cap, plus JSON export, categorisation, and insights, you make a one-time payment processed via Stripe. Each unlock applies to one statement only. There is no subscription and no recurring charge; you are billed only when you choose to unlock a statement. Prices are displayed at the time of purchase and may vary by currency.

4.2 Refunds

Because a statement unlock delivers the converted data immediately, one-time unlock purchases are non-refundable. If you experience a technical issue with an unlock, contact us at [email protected] and we will do our best to help.

5. Prohibited Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulations
• Attempt to bypass, circumvent, or exploit daily usage limits
• Reverse-engineer, scrape, or reproduce the Service or its underlying algorithms
• Use the Service to process documents belonging to third parties without their consent
• Resell, sublicense, or commercially redistribute the Service without our written permission
• Attempt to interfere with the integrity or performance of the Service

6. Intellectual Property

PivotBank and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Service for your personal or internal business purposes.

7. Disclaimer of Warranties

The Service is provided “as is” without warranties of any kind. We do not warrant that the Service will be uninterrupted, error-free, or that parsed transaction data will be 100% accurate. You are responsible for verifying exported data before use in financial, legal, or accounting contexts.

8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the Service, even if advised of the possibility of such damages.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will update the “Last updated” date when we do. Continued use of the Service after changes constitutes acceptance of the updated Terms.

11. Contact

For questions about these Terms, please contact us at [email protected] or via our contact page.