Terms of Service

ExpeFi operates the ExpeFi website and app. ExpeFi provides digital software for tracking expenses, budgets, bills, cash activity, connected bank transactions, and one-way exports. ExpeFi is not a bank, broker, custodian, accountant, tax adviser, legal adviser, money transmitter, bill-pay provider, or payment initiation service.

You are responsible for maintaining your account credentials, using integrations only for accounts you are authorized to access, and keeping manual cash entries, budgets, bills, categories, account labels, and settings accurate. Private beta and dashboard access may be limited to approved users while ExpeFi is being tested.

ExpeFi offers a Pro subscription. Subscription prices and renewal periods are shown during Stripe Checkout. Stripe processes checkout, payment method handling, receipts, invoices, and billing portal access. You may cancel a subscription through the billing portal or by contacting [email protected].

ExpeFi is digital SaaS access, so there are no physical shipping, delivery, or return obligations. Unless required by law or approved for a duplicate charge, billing error, or exceptional case, fees already paid are generally not prorated or refunded. See the Refund and Cancellation Policy for details.

ExpeFi may let you connect bank accounts through Teller. Teller connections are used for read-only account and transaction sync. ExpeFi does not collect bank passwords, initiate transfers, pay bills, move money, issue cards, or provide credit through Teller. Synced data may be delayed, incomplete, unavailable, or limited by institution coverage.

ExpeFi may let you enter cash expenses, cash holdings, budgets, bills, account labels, categories, and related notes manually. Exports, including XLSX downloads and Google Sheets sync, are for your review and recordkeeping. You are responsible for checking exported information before relying on it.

ExpeFi displays data, summaries, and calculations for personal finance organization. Connected bank data, manual entries, currency rates, budgets, bill reminders, and insights can be delayed, incomplete, or incorrect. You are solely responsible for financial, tax, legal, accounting, and payment decisions.

Do not use ExpeFi to violate laws, interfere with the service, attempt unauthorized access, upload malicious content, overload the app, bypass access controls, or misuse payment, authentication, bank-sync, export, market-data, or infrastructure systems.

ExpeFi uses third-party providers such as Clerk for authentication, Stripe for payments, Teller for read-only bank connections, Cloudflare for application infrastructure and D1 persistence, Google Workspace APIs for Sheets add-on functionality, and external currency data providers for exchange-rate information. Their services may have separate terms and policies.

ExpeFi may offer a Google Sheets add-on for one-way manual report sync from ExpeFi into the active spreadsheet. The add-on does not import spreadsheet edits into ExpeFi, create Drive files, run scheduled refreshes, provide custom formulas, or request Drive-wide access.

To request account deletion, export help, billing support, or answers about these terms, contact [email protected].Mailing address: 99 WALL ST #884, NEW YORK, NY 10005, USA. This address is for business correspondence. Customer support is fastest by email.