Terms of Service

1. Agreement to Terms

By viewing or using this Website, which can be accessed at https://www.sparkreceipt.com, you are agreeing to be bound by all these Website's Terms of Use and agree with any applicable local laws. If you disagree with any of these terms, you are prohibited from accessing this Website or using the Service. All materials in this Website are protected by trade mark law and copyright.

In these Terms of Use, "SparkReceipt", "Company", "we", "us" and "our" mean SparkReceipt Oy, a company registered in Finland (business ID 3443287-2). "Service" means the SparkReceipt website, web app, mobile apps and API.

2. Privacy Policy

We advise you to read our privacy policy regarding our user data collection. It will help you better understand our practices.

3. Use License

Permission is granted to temporarily download one copy of the materials on our Website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials
• use the materials for any commercial purpose or for any public display
• attempt to reverse engineer any software contained on our Website
• remove any copyright or other proprietary notations from the materials
• transfer the materials to another person or "mirror" the materials on any other server

This will let Company to terminate upon violations of any of these restrictions. Upon termination, your viewing right will also be terminated and you should destroy any downloaded materials in your possession whether it is electronic format or printed.

4. Disclaimer

All the materials on our Website are provided on an "as is" basis. You agree that your use of the Website will be at your own risk. We make no warranties, may it be expressed or implied, therefore negates all other warranties. Furthermore, Company does not make any representations concerning the accuracy or reliability of the use of the materials on its Website or otherwise relating to such materials or any sites linked to this Website.

5. Limitations

Company or its suppliers will not be hold accountable for any damages that will arise with the use or inability to use the materials on our Website, even if we or an authorised representative of this Website has been notified, orally or written, of the possibility of such damage. Some jurisdiction does not allow limitations on implied warranties or limitations of liability for incidental damages, these limitations may not apply to you.

6. Unlimited Receipt Scans Policy

This policy applies to plans that include unlimited documents, currently SparkReceipt Elite and the Founder pack. Plans with a monthly document allowance, currently SparkReceipt Pro, can process up to the allowance shown on our pricing page each month; the fair-use terms below apply to them as well.

Our "Unlimited Receipt Scans" policy is designed to offer flexibility and convenience, allowing users to scan a "practically unlimited" number of receipts for personal or business purposes. However, to maintain the quality and integrity of the service for all users, we reserve the right to limit or restrict access in cases where we determine that an obscene amount of documents are being scanned, at our discretion. While automation is allowed within our provided mass upload and inbound email receipt scanning services, excessive or abusive use may be considered a violation of this policy. Any attempts to reverse-engineer our API or automate receipt submissions outside of these approved methods are strictly prohibited. Additionally, we may delay or reject the processing of document scans if needed to ensure the stability and performance of the platform for all users, ensuring fair access and preventing any negative impact on the overall system. This ensures that the service remains reliable and accessible for everyone.

7. Corrections

There may be information or materials appearing on our Website that contains technical, typographical, or photographic errors. We will not promise that any of the materials in this Website are accurate, complete, or current. We reserve the right to change and update the materials contained on its Website at any time without prior notice.

8. Links

Company has no control over all links provided on this Website and is not responsible for the contents of any such linked site. The presence of any link does not imply endorsement of the site by Company. The use of any linked website is at your own risk.

9. Refund Policy

Refund eligibility depends on how and where you purchased your subscription. The subsections below describe the policy that applies to each purchase channel.

9.1. Trial Conversion Refunds

This subsection applies to refund requests for subscriptions that began as a free trial and subsequently converted into a paid subscription.

You may request a refund of your paid subscription within fifteen (15) days after the date your free trial ended and the paid subscription began. Such refunds will be calculated as follows:

Refund amount = (90% × original paid subscription amount) − (US $0.15 × number of documents scanned, uploaded, or otherwise processed in your account during the paid subscription period)

SparkReceipt retains the remaining 10% of the original subscription amount to cover non-refundable payment-processing and customer-support costs already incurred on your account, and the per-document deduction reflects AI scanning and processing services already rendered.

Illustrative example (the amounts are for illustration only and are not a price list): an annual subscription paid at US $100.00 with 50 documents processed during the paid period would result in a refund of: ($100.00 × 0.90) − (50 × $0.15) = $90.00 − $7.50 = US $82.50.

Conditions:

• Refund requests must be submitted within the 15-day window described above. Requests outside this window are not eligible under this section.
• This section applies only to subscriptions purchased directly through the SparkReceipt website. Trial conversions billed through Apple's App Store or Google Play are governed by those platforms' policies.
• If the per-document deduction equals or exceeds the 90% amount, no refund will be issued under this section.
• To request a refund under this section, contact support@sparkreceipt.com from the email address on your account and include the order details.

9.2. Refunds for Google Play Purchases

For purchases made through Google Play, please note that refund requests must comply with Google Play's policies. To initiate a refund, please follow these steps:

• Open the Google Play Store app
• Tap on your profile icon and navigate to "Payments & Subscriptions" > "Order History"
• Locate the transaction, and if eligible, select "Refund"
• Alternatively, contact us with your Google account details, and we will initiate processing the refund for you

Refund eligibility on Google Play is subject to their policies, and we cannot override Google's final decision.

9.3. Refunds for App Store Purchases

If you made your purchase through Apple's App Store, refund requests must be submitted directly through Apple. To request a refund:

• Open the App Store and tap your profile
• Go to "Purchase History," find the transaction, and select "Report a Problem"
• Choose the reason for your refund and submit your request through Apple's refund process

Please note that Apple handles all refund decisions for purchases made through the App Store. We are unable to process or influence refunds for purchases made via the App Store.

9.4. Founder Pack Purchases

The Founder pack combines a one-time onboarding fee with an annual SparkReceipt Elite subscription. Neither part starts with a free trial, so Section 9.1 does not apply to either of them. Refund requests for the onboarding fee and for the bundled annual Elite subscription are reviewed case by case; contact support@sparkreceipt.com from the email address on your account and include the order details. Cancelling the Elite subscription stops it from renewing at the end of the paid year.

10. Your Data

You own the receipts, invoices, statements and other content you upload to SparkReceipt or bring in from a connected service ("your content"). You give us permission to store and process your content only to provide the Service to you and to the people you share your account with. That includes keeping it secure, and testing and improving how accurately the Service reads documents and matches bank transactions with documents, as our privacy policy describes. We never use your content to train AI models, and we never use content from your connected integrations for that testing and improvement. We do not sell your content. You can export or delete your content at any time. Our privacy policy explains how we handle personal information, which providers help us run the Service, and how long we keep data.

11. AI Processing

SparkReceipt uses AI models from third-party providers to read your documents, extract their data, suggest categories and answer your questions in SparkAgent. Our privacy policy lists these providers. They process your content only to return results to us. We do not use your content, or data from your connected integrations, to train AI models, and our providers may not use it to train theirs. AI results can contain mistakes, so check extracted data before you rely on it, for example in your bookkeeping or tax filings.

12. Third-Party Integrations

You can connect SparkReceipt to services run by other companies, such as QuickBooks Online and other accounting software, email inboxes and banks. When you connect one, you authorize SparkReceipt to read data from it, and where a feature needs it to write data to it, only as far as the features you use require. For accounting software, that means reading lists such as your accounts, tax codes, vendors and customers, and creating, updating or deleting the records SparkReceipt publishes for you. You can disconnect an integration at any time in your account settings, and SparkReceipt then stops accessing it. Your use of a connected service is also governed by that provider's own terms and privacy policy.

13. Modification of Terms of Use

Company may revise or include supplemental terms in these Terms of Use on its Website from time to time without prior notice. Please ensure that you check the current Terms of Use every time you use the Website. By using this Website, you are agreeing to be bound by the current version of these Terms of Use.

14. Applicable Law

Any claim related to our Website shall be governed by the laws of Finland without regards to its conflict of law provisions.

15. Contact

In case of any questions or requests, please contact us at:

SparkReceipt Oy Tulli Businesspark Åkerlundinkatu 11 33100 Tampere, Finland support@sparkreceipt.com