Terms of Service

1. Acceptance & Service Description

By accessing or using the Minimal Bookkeeping (MB) Universal Bank Statement Converter (available at pdf.minimal-bookkeeping.app), you agree to be bound by these Terms of Service. Minimal Bookkeeping provides automated optical character recognition (OCR), deterministic table reconstruction, and mathematical running-balance verification to convert financial document PDFs into structured CSV, Excel, and accounting feeds.

2. Pricing, Credit Packs & SaaS Subscriptions

Minimal Bookkeeping offers two flexible monetization models:

• Pay-As-You-Go Credits: 1 Credit = 1 Converted Statement Page. Credit packs (Lite, Full, Extra) start at $2.00 per 50 pages with volume discounts up to 10,000 pages. Purchased credits never expire and remain in your account until redeemed.
• Monthly SaaS Subscriptions: Starter ($5.00/mo for 250 pages/mo) and Pro Unlimited ($15.00/mo for unlimited pages, priority queueing, and direct Minimal Bookkeeping ledger sync). Subscriptions renew automatically every 30 days via PayPal until cancelled.

3. Cancellation & Fair Use Policy

You may cancel your monthly subscription at any time with 1-click self-service directly from your account or through your PayPal dashboard. Upon cancellation, access remains active until the end of your prepaid billing period. Subscriptions with unlimited allocations are subject to normal commercial fair use (automated batch scripts or programmatic abuse exceeding 20,000 pages/day require dedicated enterprise provisioning).

4. Mathematical Parity & Professional Disclaimer

The service executes algorithmic running-balance verification to alert users of variances between stated credits, debits, and ending balances. However, the service is a data-conversion utility and does not constitute certified legal, tax, or forensic audit advice. Users are responsible for verifying final extracted figures before filing regulatory returns or tax filings.

5. Data Ownership & Zero Retention Guarantee

You retain 100% intellectual property ownership of all source documents and extracted financial data. Minimal Bookkeeping does not store, train machine learning models on, or sell your financial data. Statements are processed in isolated ephemeral memory and discarded immediately upon processing.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Minimal Bookkeeping and its operators shall not be liable for indirect, incidental, punitive, or consequential damages resulting from document formatting discrepancies, third-party bank formatting changes, or system downtime. Our maximum aggregate liability is limited to the fees paid by you in the 3 months preceding the claim.