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Terms and Conditions

Effective date: September 21, 2026

1. Acceptance, Eligibility & Authority

These Terms and Conditions ("Terms") govern access to and use of the websites, applications, platform, browser extension, integrations, APIs, AI-enabled functionality, and related services provided by ClearSpend AI LLC ("ClearSpend AI," "ClearSpend," "Company," "we," "our," or "us"), collectively the "Service."

The Service is intended primarily for business and organizational use.

By creating an account, accessing the Service, or using the Service, you agree to these Terms.

You represent and warrant that:

  • you have the legal capacity to enter into these Terms;
  • if you use the Service on behalf of an organization, you have authority to bind that organization;
  • information you provide to ClearSpend AI is accurate and current; and
  • you will use the Service in compliance with applicable laws and regulations.

If you do not agree to these Terms, you must not access or use the Service.

2. Description of Service

ClearSpend AI provides a financial operations and transaction reconciliation platform designed to help businesses collect, organize, match, review, reconcile, and manage transactions and their supporting financial documents.

Depending on your subscription plan, enabled features, connected integrations, permissions, and geographic availability, the Service may allow you to:

Import transaction data

Bring transaction information into ClearSpend AI from supported sources including:

  • Plaid-connected financial accounts;
  • Xero;
  • QuickBooks;
  • uploaded card statements; and
  • other supported transaction sources.

Collect invoices, receipts, and supporting documents

Collect financial documents from supported sources including:

  • Gmail;
  • Google Drive;
  • direct uploads;
  • the ClearSpend AI browser extension; and
  • other supported document sources and integrations.

Extract and structure financial information

Use automated processing and artificial intelligence to identify, extract, categorize, and structure information contained in transactions, invoices, receipts, statements, and other supported financial documents.

Match transactions with supporting proof

Automatically identify and associate transactions with relevant invoices, receipts, or other supporting documentation using available information such as vendor, amount, currency, transaction date, billing information, and document context.

Identify exceptions

Identify transactions where:

  • supporting documentation is missing;
  • a potential match is uncertain;
  • information differs between records; or
  • additional review or follow-up may be required.

Support reconciliation workflows

Allow authorized users to review matches, resolve exceptions, provide or request missing documentation, approve records, and manage transaction-to-document reconciliation workflows.

Sync supported information with accounting platforms

Where supported by the applicable integration and authorized by you, ClearSpend AI may:

  • import accounting information from connected accounting platforms; and
  • sync completed or approved reconciliation information and supporting information back to platforms such as Xero or QuickBooks.

Track recurring spend and subscriptions

ClearSpend AI may identify and organize recurring company spend, subscriptions, vendors, costs, ownership information, renewal dates, and related information.

Depending on the functionality available to your account, ClearSpend AI may provide:

  • renewal reminders;
  • subscription management;
  • software spend visibility;
  • software usage insights;
  • AI-spend insights;
  • document management;
  • missing-document follow-up workflows;
  • reporting and analytics;
  • browser-extension functionality;
  • AI-assistant or supported data-query functionality; and
  • other financial and operational features.

ClearSpend AI is designed to work alongside accounting platforms and financial systems. It does not replace your accounting system, financial institution, accountant, auditor, tax adviser, or other professional service provider.

We may add, modify, improve, suspend, or discontinue features or integrations from time to time.

3. Automated Processing, AI & No Professional Advice

The Service may use automated processing and artificial intelligence to extract, classify, categorize, structure, match, summarize, or analyze information.

AI and automated output

Automated systems may occasionally produce incomplete, inaccurate, or incorrect results.

You are responsible for reviewing and verifying information before relying on it for accounting, financial, tax, legal, operational, or other business purposes.

No professional advice

ClearSpend AI does not provide:

  • accounting advice;
  • tax advice;
  • legal advice;
  • investment advice;
  • financial advisory services; or
  • audit opinions.

The Service is an administrative and operational technology platform and does not replace the professional judgment of an accountant, CPA, auditor, attorney, financial adviser, or other qualified professional.

Your decisions

You remain responsible for decisions made based on information, reports, matches, analytics, recommendations, or other outputs generated or presented through the Service.

Any liability relating to use of the Service is subject to the limitations in these Terms.

4. Accounts, Authorized Users & Security

You may be required to create an account to use the Service.

You are responsible for:

  • maintaining the confidentiality of your login credentials;
  • maintaining accurate account information;
  • ensuring that individuals using your account are authorized to do so;
  • managing user access and permissions within your organization where applicable; and
  • notifying us promptly if you become aware of unauthorized access or suspected account compromise.

You are responsible for activity performed through your account by authorized users.

We may suspend or restrict access where reasonably necessary to address:

  • suspected unauthorized access;
  • security risks;
  • fraud;
  • unlawful activity;
  • non-payment;
  • material violations of these Terms; or
  • conduct that may harm the Service, ClearSpend AI, our users, or third parties.

5. Free Trial

ClearSpend AI may provide a 7-day free trial to eligible new accounts.

Certain functionality or usage may be limited during the trial.

Unless otherwise stated at signup, continued use of paid functionality after the trial requires a paid subscription.

We may modify, limit, or discontinue free-trial offerings prospectively at any time.

6. Subscriptions, Billing, Renewal & Taxes

Plans

ClearSpend AI offers monthly, annual, and other subscription arrangements that may be published on our website or agreed through an order form or separate written agreement.

Billing

Unless otherwise stated in an applicable order form or written agreement, subscription fees are billed in advance.

Except where required by applicable law or expressly agreed otherwise, fees already paid are non-refundable.

Automatic renewal

Unless you cancel in accordance with the available cancellation process, subscriptions automatically renew for successive subscription periods.

Where applicable, cancellation should be completed at least 24 hours before the renewal date to prevent the next scheduled renewal charge.

Cancellation generally takes effect at the end of the then-current paid subscription period unless otherwise stated.

Taxes

Fees do not include taxes unless expressly stated.

You are responsible for applicable sales, use, VAT, GST, withholding, or similar taxes associated with your use of the Service, excluding taxes based on ClearSpend AI's net income.

7. Third-Party Integrations & Service Providers

The Service may connect with or rely on third-party services, including financial institutions, accounting platforms, Google services, Plaid, communication platforms, infrastructure providers, AI service providers, and other vendors.

Third-party services

Third-party products and services are governed by their own terms and policies.

ClearSpend AI does not control those services and is not responsible for their independent availability, performance, security, policies, or actions.

A disruption caused solely by a third-party provider does not constitute a breach of these Terms by ClearSpend AI.

Integration permissions

By connecting a third-party service, you authorize ClearSpend AI to access, retrieve, process, transmit, and, where necessary for functionality you enable, write or synchronize information within the scope of the permissions you grant.

Different integrations require different levels of access.

Gmail

For the supported invoice and receipt collection workflow, ClearSpend AI uses read-only Gmail access.

The workflow is configured to process emails that contain an attachment and whose subject includes billing or payment terms such as "invoice," "receipt," "bill," "payment," or "statement."

Other emails, sent messages, and drafts are skipped for this workflow.

ClearSpend AI does not use the Gmail connection to send, edit, or delete email.

Google Drive

Supported Google Drive workflows use the permissions required to identify and process supported financial documents from connected locations.

ClearSpend AI does not use the document-collection workflow to edit or delete your Google Drive files.

Plaid

Where you connect a supported financial account through Plaid:

  • authentication occurs through Plaid and your financial institution;
  • ClearSpend AI does not receive or store your banking password;
  • ClearSpend AI receives transaction information required for the supported workflow;
  • ClearSpend AI does not receive your full account or card number through the supported transaction connection; and
  • ClearSpend AI cannot initiate payments or transfers through that connection.

Xero and QuickBooks

Where supported, ClearSpend AI may use authorized accounting-platform permissions to:

  • import transaction and accounting information needed for reconciliation;
  • associate supporting documents with relevant records; and
  • sync approved or completed reconciliation information back to the connected accounting platform.

You remain responsible for determining which integrations you connect and for ensuring that you have authority to grant access to those accounts and data.

Service providers and subprocessors

ClearSpend AI may use service providers and subprocessors to help provide, maintain, secure, support, and operate the Service.

Where third-party AI providers are used to perform supported functions, Customer Data is processed for the relevant service purpose and is not used by ClearSpend AI to train general-purpose AI models.

Additional information about data handling is provided in our Privacy Policy.

8. Customer Data, Ownership & License

Customer Data

"Customer Data" means information, documents, records, files, and other data that you or your authorized users upload, provide, connect, synchronize, submit, or otherwise make available through the Service.

Ownership

As between you and ClearSpend AI, you retain ownership of Customer Data.

These Terms do not transfer ownership of Customer Data to ClearSpend AI.

Limited license

You grant ClearSpend AI a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, analyze, display, and otherwise use Customer Data only to the extent reasonably necessary to:

  • provide the Service;
  • perform functionality you request;
  • operate and maintain the Service;
  • secure the Service;
  • troubleshoot and provide customer support;
  • support authorized integrations;
  • maintain reliability and performance; and
  • improve the functionality and usability of the Service.

The right to improve the Service under this section does not include using Customer Data to train ClearSpend AI's or third-party general-purpose AI models.

No sale of Customer Data

ClearSpend AI does not sell Customer Data.

Privacy

Our collection and processing of personal information are further described in our Privacy Policy.

9. Data Security

ClearSpend AI implements administrative, technical, and organizational safeguards designed to protect Customer Data against unauthorized access, disclosure, alteration, destruction, or loss.

Depending on the system and workflow, safeguards may include:

  • encryption of data in transit;
  • access controls;
  • authentication controls;
  • least-privilege access practices;
  • security monitoring;
  • vulnerability assessment; and
  • other measures appropriate to the nature of the Service.

No method of electronic transmission or storage can be guaranteed to be completely secure.

Accordingly, while ClearSpend AI takes measures designed to protect Customer Data, no technology provider can guarantee absolute security.

Additional information about ClearSpend AI's security practices may be available through our Security & Data Privacy materials or upon request.

10. Privacy, Retention & Deletion

ClearSpend AI handles personal information in accordance with its Privacy Policy and applicable data-protection obligations.

Customer Data may be retained for as long as reasonably necessary to:

  • provide the Service;
  • maintain account and business records;
  • comply with legal obligations;
  • resolve disputes;
  • enforce agreements; or
  • satisfy legitimate security and operational requirements.

Where applicable, users may delete supported information through available product controls or submit verified deletion requests.

Termination or disconnection of an integration may stop future synchronization but does not necessarily immediately delete information that was previously processed or stored.

Retention and deletion practices are described in greater detail in our Privacy Policy.

11. Acceptable Use

You must not:

  • use the Service for unlawful, fraudulent, or abusive purposes;
  • process data through the Service in violation of applicable privacy or data-protection laws;
  • access or attempt to access accounts, systems, information, or functionality without authorization;
  • impersonate another person or misrepresent your authorization;
  • circumvent access restrictions or security controls;
  • introduce malware, harmful code, or malicious content;
  • interfere with the availability, operation, integrity, or security of the Service;
  • perform unauthorized vulnerability scanning, penetration testing, load testing, or stress testing;
  • reverse engineer, decompile, or disassemble the Service except where applicable law expressly permits such activity notwithstanding this restriction; or
  • use ClearSpend AI's proprietary technology, confidential information, or non-public functionality to unlawfully create a competing service.

12. Intellectual Property & Feedback

ClearSpend AI and its licensors retain all rights, title, and interest in the Service, including:

  • software;
  • source and object code;
  • algorithms;
  • workflows;
  • interfaces;
  • designs;
  • documentation;
  • trademarks;
  • branding; and
  • other intellectual property.

Except for the limited rights expressly granted under these Terms, no intellectual property rights are transferred to you.

Feedback

If you voluntarily provide suggestions, comments, ideas, or feedback about the Service, you grant ClearSpend AI the right to use that feedback without restriction or compensation, provided that doing so does not grant ClearSpend AI rights in your Customer Data.

ClearSpend AI will not publicly use your organization's name or logo to identify you as a customer without your prior authorization.

Any separately provided publicity permission may be withdrawn in accordance with that permission or applicable agreement.

13. Confidentiality

Each party may receive non-public information from the other that is identified as confidential or that reasonably should be understood to be confidential given its nature and the circumstances of disclosure ("Confidential Information").

Each party agrees to:

  • protect the other party's Confidential Information using at least reasonable care;
  • use Confidential Information only as necessary to perform or exercise rights under the applicable relationship; and
  • disclose Confidential Information only to personnel, contractors, advisers, or service providers who have a legitimate need to know and are subject to appropriate confidentiality obligations.

Confidential Information does not include information that:

  • becomes public through no breach of these Terms;
  • was lawfully known to the receiving party without confidentiality obligations;
  • is received lawfully from a third party without breach of a duty of confidentiality; or
  • is independently developed without use of the disclosing party's Confidential Information.

A party may disclose Confidential Information where legally required, provided that, where legally permitted, it gives reasonable notice to the other party.

14. Service Availability & Changes

We aim to make the Service available reliably, but we do not guarantee uninterrupted or error-free operation.

The Service may occasionally be unavailable because of:

  • maintenance;
  • upgrades;
  • third-party outages;
  • security issues;
  • technical failures; or
  • circumstances outside our reasonable control.

We may modify the Service over time as our products, integrations, technology, and customer needs evolve.

Where a change materially reduces core paid functionality during an active subscription term, we will use commercially reasonable efforts to provide appropriate notice where practicable.

15. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis.

ClearSpend AI disclaims implied warranties including warranties of:

  • merchantability;
  • fitness for a particular purpose;
  • non-infringement; and
  • accuracy or uninterrupted availability,

to the extent those warranties may lawfully be disclaimed.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

16. Force Majeure

Neither party will be liable for delay or failure to perform obligations, other than payment obligations, caused by events beyond its reasonable control.

These may include:

  • natural disasters;
  • fire;
  • flood;
  • war;
  • terrorism;
  • civil unrest;
  • governmental action;
  • labor disruption;
  • widespread internet or telecommunications failures;
  • power outages;
  • failures of critical third-party infrastructure; or
  • similar events outside the affected party's reasonable control.

17. Limitation of Liability

To the maximum extent permitted by applicable law:

Excluded damages

ClearSpend AI will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, including loss of profits, revenue, goodwill, business opportunity, or data.

Liability cap

ClearSpend AI's total aggregate liability arising out of or relating to the Service or these Terms will not exceed the total fees paid or payable by you to ClearSpend AI during the 12 months immediately preceding the event giving rise to the claim.

Nothing in these Terms limits or excludes liability to the extent such liability cannot lawfully be limited or excluded.

18. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless ClearSpend AI and its officers, directors, employees, and affiliates from third-party claims, losses, liabilities, damages, and reasonable expenses arising from:

  • your unlawful use of the Service;
  • your material violation of these Terms;
  • your violation of applicable law;
  • Customer Data that you did not have the right to provide or process through the Service; or
  • your infringement or violation of a third party's rights.

ClearSpend AI will provide reasonable notice of an indemnifiable claim and reasonable cooperation, at your expense, in the defense of the claim.

You may not settle a claim in a manner that admits liability by ClearSpend AI or imposes obligations on ClearSpend AI without our prior written consent.

19. Term, Suspension & Termination

These Terms remain effective while you use the Service.

Cancellation

You may cancel your subscription through available account controls or other cancellation methods provided by ClearSpend AI.

Suspension

ClearSpend AI may suspend access where reasonably necessary because of:

  • non-payment;
  • suspected fraud;
  • security risks;
  • unlawful activity;
  • material violation of these Terms; or
  • use that materially threatens the Service or other users.

Where reasonably practicable, we will attempt to provide notice before suspension unless immediate action is reasonably necessary.

Termination

Either party may terminate the applicable relationship as permitted under these Terms, an applicable order form, or another written agreement.

Data export

Following termination, you will have 30 days to export available Customer Data, subject to the capabilities of the Service and applicable legal restrictions.

After that period, ClearSpend AI may delete Customer Data in accordance with its retention policies, Privacy Policy, and legal obligations.

20. Survival

Provisions that by their nature are intended to survive termination or expiration will remain effective.

These include, as applicable:

  • accrued payment obligations;
  • Customer Data provisions necessary to complete termination and deletion;
  • intellectual property rights;
  • confidentiality obligations;
  • disclaimers;
  • limitations of liability;
  • indemnification;
  • dispute and governing-law provisions; and
  • other provisions necessary to give effect to the parties' rights and obligations following termination.

21. Changes to These Terms

We may update these Terms from time to time to reflect changes in:

  • the Service;
  • our business practices;
  • applicable law;
  • regulatory requirements; or
  • operational needs.

If we make material changes, we may notify you through:

  • the Service;
  • email; or
  • another reasonable method.

Unless applicable law requires otherwise, updated Terms become effective on the stated effective date.

Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

22. Governing Law & Venue

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-law principles.

Unless applicable law requires otherwise, any legal action arising out of or relating to these Terms or the Service must be brought in a state or federal court with jurisdiction in Wyoming, and each party consents to the personal jurisdiction of those courts.

Nothing in this section limits rights or remedies that cannot lawfully be waived or restricted.

23. General Terms

Assignment

You may not assign or transfer these Terms without ClearSpend AI's prior written consent, except in connection with a merger, acquisition, corporate reorganization, or sale of substantially all of your relevant assets.

ClearSpend AI may assign these Terms in connection with a merger, acquisition, corporate reorganization, sale of assets, or by operation of law.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Waiver

A failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.

Entire agreement

These Terms, together with the Privacy Policy and any applicable order form, Data Processing Agreement, or other written agreement expressly incorporated by reference, constitute the agreement between you and ClearSpend AI concerning the Service.

Conflicting terms

If an applicable order form, Data Processing Agreement, or other written agreement signed by both parties conflicts with these Terms, the signed agreement controls to the extent of the conflict for the subject matter it addresses.

Electronic communications

You agree that notices, disclosures, agreements, and other communications relating to the Service may be provided electronically where permitted by applicable law.

24. Contact Information

Questions regarding these Terms may be sent to:

ClearSpend AI LLC

Email: info@clearspend.ai

Address:

30 N Gould St

Sheridan, WY 82801-6317

United States

Website: www.clearspend.ai