Terms of Service

Last updated: 7/1/2026

BankIQ is provided as a public beta. By using the service, you agree to these terms.

Beta service

Features may change, break, or be removed without notice. We make no uptime or accuracy guarantees.

Not financial advice

BankIQ surfaces AI-generated insights from your bank statement. These are informational only and are not financial, tax, legal, or investment advice. AI categorization and anomaly detection can be wrong — always verify before acting.

Your responsibilities

• You will only upload statements you have the right to analyze.
• You will not attempt to overload, scrape, reverse-engineer, or abuse the service.
• Usage is rate-limited per account. We may suspend accounts that abuse the service.

Data

See our Privacy Policy for what we store and what is sent to the AI provider.

Liability

The service is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we disclaim all liability for any loss arising from your use of the service.

Termination

You may delete your analyses or stop using the service at any time. We may suspend or terminate accounts that violate these terms.