Terms of Service
Effective date: March 1, 2026
1. Acceptance of Terms
By accessing or using the Categorize My Expenses web application at categorizemyexpenses.com (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.
These Terms constitute a legally binding agreement between you and Categorize My Expenses ("we," "us," or "our"). We may update these Terms from time to time, and your continued use of the Service after any changes constitutes acceptance of the updated Terms.
2. Description of Service
Categorize My Expenses is a web-based tool that helps self-employed individuals organize their bank transactions into IRS Schedule C expense categories. The Service allows you to:
- Upload bank statement CSV files or connect a bank account via Plaid
- Automatically categorize transactions using AI
- Review and adjust categorizations
- Download tax-ready reports in PDF, Excel, and TXF formats
3. User Accounts
Account creation is handled through our authentication provider, Clerk. When you create an account, you agree to provide accurate information and to keep your account credentials secure. You are responsible for all activity that occurs under your account.
You may not share your account credentials with others or allow others to access your account. If you believe your account has been compromised, contact us immediately at support@categorizemyexpenses.com.
4. Payment Terms
The Service is available for a one-time payment of $39 USD. This is not a subscription, and there are no recurring charges. Payment is processed securely through Stripe. After creating an account and entering your business details, you pay $39 to unlock full access to uploading, AI categorization, and report downloads.
We offer a 100% money-back guarantee. If you are not satisfied with the results for any reason, we will issue a full refund.
5. Refund Policy
We offer a 100% money-back guarantee. If you are not satisfied with the Service for any reason, contact us and we will issue a full refund, no questions asked.
To request a refund, email us at support@categorizemyexpenses.com with the email address associated with your purchase. Refunds are processed through Stripe and typically appear on your statement within 5–10 business days.
6. Disclaimer
Categorize My Expenses is not a tax preparer, accountant, or financial advisor. The Service does not provide tax advice, legal advice, or financial advice of any kind.
The Service is a data organization tool that sorts your transactions into common expense categories. The categorizations provided are suggestions based on AI analysis of merchant names and transaction descriptions. You are solely responsible for reviewing the accuracy of all categorizations before using them for tax filing or any other purpose.
We strongly recommend consulting a qualified tax professional or CPA before filing your taxes. The reports generated by the Service are intended to help organize your records, not to replace professional tax preparation.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Categorize My Expenses and its owners, operators, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Service.
Our total liability to you for any claims arising from or related to the Service shall not exceed the amount you paid for the Service ($39 USD). This limitation applies regardless of the theory of liability, whether based in contract, tort, negligence, strict liability, or otherwise.
We are not liable for any errors in transaction categorization, tax filing outcomes, penalties, or audits resulting from your use of the reports generated by the Service.
8. Intellectual Property
All content, features, and functionality of the Service (including but not limited to text, graphics, logos, software, and the underlying technology) are owned by Categorize My Expenses and are protected by applicable intellectual property laws.
You retain full ownership of your financial data and any reports generated from your data. We claim no ownership rights over your transaction data or the categorized reports you download.
9. Data Handling
Your privacy is important to us. Our collection, use, and protection of your personal and financial data is governed by our Privacy Policy, which is incorporated into these Terms by reference.
Key highlights: your financial data is stored in ephemeral sessions that are automatically deleted when your session expires (30 days after purchase), all sensitive data is encrypted using AES-256-GCM, and we never sell or share your data with third parties for marketing purposes.
10. Acceptable Use
You agree to use the Service only for its intended purpose of organizing your personal financial transaction data. You may not:
- Use the Service for any unlawful purpose or in violation of any applicable laws
- Attempt to gain unauthorized access to the Service or its underlying systems
- Reverse engineer, decompile, or disassemble any part of the Service
- Use automated tools to scrape, crawl, or extract data from the Service
- Upload malicious files or content designed to disrupt the Service
- Resell, redistribute, or commercially exploit the Service without our written consent
11. Termination
We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. You may stop using the Service at any time.
Upon termination, your session data will be deleted in accordance with our data retention policies described in our Privacy Policy. If you are eligible for a refund under Section 5, termination does not affect your refund rights.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under or in connection with these Terms shall be resolved in accordance with applicable law.
13. Changes to Terms
We may update these Terms from time to time. We will notify users of material changes by updating the "Effective date" at the top of this page. Your continued use of the Service after changes constitutes acceptance of the updated Terms.
If we make significant changes to these Terms, we may also notify you via email or through a notice on the Service.
14. Contact Information
If you have questions about these Terms of Service, contact us at: