Terms of Service

ExpeFi operates the ExpeFi website and app. ExpeFi provides digital software for tracking expenses, budgets, bills, accounts, cash activity, 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 and keeping manual cash entries, budgets, bills, categories, account labels, and settings accurate. Dashboard and integration access are limited by the entitlements shown for your authenticated account.

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 enter cash expenses, cash holdings, budgets, bills, account labels, categories, and related notes manually. Exports are for your review and recordkeeping. You are responsible for checking exported information before relying on it.

If you choose to connect a financial institution, ExpeFi uses Plaid to request the account and transaction data you authorize. Before Plaid opens, ExpeFi records your versioned consent and requires a recent account sign-in plus a separate authenticator verification. ExpeFi does not receive or store your bank password. Connected balances and transactions can be delayed, changed, duplicated, or unavailable because they depend on your institution and Plaid. You may disconnect an institution from ExpeFi; existing normalized financial records remain until you delete your ExpeFi data.

If you authorize an approved MCP client, ExpeFi provides normalized, read-only workspace data within the scopes you approve. MCP clients cannot create transactions, edit budgets, initiate payments, refresh providers, or change settings. You are responsible for the third-party client you choose and for its storage, use, and deletion of returned data.

ExpeFi displays data, summaries, and calculations for personal finance organization. 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, export, market-data, or infrastructure systems.

ExpeFi uses third-party providers such as Clerk for authentication, Stripe for payments, Plaid for optional connected-account data, Google for the optional Sheets add-on and account-security events, Cloudflare for application infrastructure and persistence, and external currency data providers for exchange-rate information. Their services may have separate terms and policies.

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.