Terms of Service

Last Updated: October 2026

Agreement to Terms

By downloading, installing, or using SenticMoney, you agree to these Terms of Service. If you don't agree, don't use the software.

Service Tiers

Free Tier: You may use the free version indefinitely at no cost. It includes manual transaction entry, one bank-statement import, budgets, bills, goals, the Income Statement, reconciliation, and year-end close.

Standard Subscription ($39/year): Includes bank imports, receipt scanning, keyword auto-categorization (with category suggestions from the Genie on request), advanced reports, and SenticMoney Genie powered by Google Gemini.

Subscription Terms

• Subscriptions are billed annually
• Subscriptions auto-renew unless cancelled
• You can cancel anytime; service continues until end of billing period
• Upon expiration or cancellation, your account reverts to Free tier
• Your data is never deleted when downgrading—it stays on your computer

Permitted Use

• Use by one individual on one computer per license, for personal finances or for the finances of a sole-proprietor business you run yourself
• Accessing the app from any device on your home network via browser
• Transferring your license to a new computer (contact support to reset)
• Making backups of your data files
• Using AI features included with your subscription tier

Prohibited Use

• Sharing, distributing, or reselling the software or subscription access
• Reverse engineering, decompiling, or modifying the software
• Use by a company, partnership, or organization with employees, or on behalf of clients, without written permission
• Removing or altering copyright notices or branding
• Attempting to circumvent subscription verification

Your Responsibilities

• Data Security: You're responsible for backing up your data and securing your computer
• Accurate Information: Provide accurate financial information for your own records
• Account Security: Keep your subscription credentials secure
• Legal Compliance: Use the software in compliance with applicable laws

AI Features and Data Processing

SenticMoney uses Google Gemini AI, with Anthropic Claude and OpenAI GPT as backups for the Genie when Gemini is down, for optional features available to Standard subscribers:

• SenticMoney Genie: When you ask questions about your finances, a snapshot of your finances, with a limited set of recent, large and tagged transactions, or ones from dates you chose, is sent to our cloud proxy for AI processing; never your whole database.
• Bank Format Detection: When you use "Analyze with AI" during bank statement import, the column header names and the first ten rows of your CSV or Excel file are sent, values included, so the AI can identify your bank's format. Any balance or account-number column in those rows goes with them. Rows after the first ten are never sent.
• Receipt & Bill Scanning: Images you upload for AI parsing are sent to our cloud proxy for processing.

All AI requests are routed through our cloud proxy server (not directly to Google). Data is processed and discarded—we do not store your financial data on our servers. See our Privacy Policy for complete details.

Disclaimers

Financial Advice: SenticMoney is a tool for organizing your finances. It does not provide financial, tax, or legal advice. Consult qualified professionals for financial guidance.

AI Accuracy: AI-powered features (chatbot, receipt scanning, categorization) may not be 100% accurate. Always verify important financial information.

"As Is" Software: The software is provided "as is" without warranties of any kind, either express or implied.

Limitation of Liability

To the maximum extent permitted by law, E-Comm Solutions LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of SenticMoney.

Refunds

We offer a 30-day money-back guarantee on paid subscriptions. See our Refund Policy for details.

Service Availability

We strive for high availability of our subscription verification and AI services. However, we do not guarantee uninterrupted service. The Free tier features work offline and are not affected by service availability.

Termination

Your subscription continues until cancelled or terminated. We may terminate your access if you violate these terms. Upon termination, your account reverts to Free tier. Your local data remains unaffected.

Changes to Terms

We may update these terms. Continued use after changes means you accept the updated terms. Check the "Last Updated" date to see when changes were made.

Governing Law

These terms are governed by the laws of Wyoming, USA. Any disputes will be resolved in Wyoming courts.

Contact

E-Comm Solutions LLC
Email: contact@senticmoney.com