Terms of Service

1. Acceptance of Terms

By creating an account or using Winnow Finance ("Service"), you agree to be bound by these Terms. If you do not agree, you must not use the Service.

2. Description of Service

Winnow Finance is an expense tracking and receipt analysis tool that uses software and AI-assisted processing to organize receipt data uploaded by the user.

3. User Accounts & Security

• You are responsible for maintaining the confidentiality of your login credentials.
• You are strictly prohibited from sharing your account with others.
• You must provide accurate contact information.

4. Subscriptions & Payments

• Current Stage: Winnow is currently in an initial testing release.
• Launch Plan: At full launch in the coming months, Winnow is offered as a single paid plan priced at $4.99/month unless otherwise posted.
• Trial: At full launch, new accounts may receive a 14-day trial before paid access begins.
• Cancellation: If billing is enabled for your account, you may cancel renewal at any time. Access continues through the end of the current paid period unless otherwise stated.

5. Fair Use Policy (The "400 Receipt" Cap)

To maintain service quality and manage processing costs, Winnow enforces a monthly fair-use cap:

• Standard Limit: Users may process up to 400 receipts per month.
• Overage: Winnow may throttle or pause additional receipt processing until the next monthly reset.
• Bulk Uploads: The Service is designed for normal ongoing use. Extremely large backfills or abuse-oriented upload patterns may be restricted.

6. User Content & Conduct

You retain ownership of the receipts you upload ("User Content"). By uploading content, you grant Winnow Finance a worldwide, non-exclusive license to use, host, store, and modify such content solely for the purpose of providing and improving the Service. You agree not to:

• Upload receipts containing illegal items, sensitive medical information, or data belonging to others without consent.
• Reverse engineer the API or scrape data from the Service.
• Use the Service for money laundering or illegal commerce.

7. Search, Tags & Accuracy

Receipt search, semantic tags, HSA/FSA/insurance/business labels, and categorization are informational organization tools only. AI-assisted search and categorization may be incomplete, outdated, or inaccurate.

You are responsible for reviewing receipt data and verifying any category, tag, eligibility label, reimbursement label, business-use label, or search result before relying on it for tax, reimbursement, insurance, medical, accounting, or compliance decisions.

8. Third-Party Processing & Accuracy

You acknowledge that Winnow may rely on third-party infrastructure and AI services to process receipt data. We strive for accuracy, but OCR and categorization are not guaranteed to be correct. You are responsible for reviewing important data.

9. Limitation of Liability

To the maximum extent permitted by law, Winnow Finance shall not be liable for any indirect, incidental, or consequential damages (including loss of data or profits). Our total liability shall not exceed the amount you paid to the Service in the last six (6) months.

10. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law principles.