Terms of Service
These terms are the agreement between you and Annalis Technologies, which operates Annalis, for the use of the service. They are written to be read. If something here is unclear, write to support@annalis.ai and ask before you agree to it.
1. Who is agreeing
"We", "us" and "Annalis" mean Annalis Technologies, which operates the Annalis service. "You" means the business that holds the account, and the person accepting these terms on its behalf. By creating an account you confirm you are authorized to bind that business, and that you are using Annalis for business purposes rather than as a consumer.
2. What Annalis does
Annalis reads business bank and credit card statements, categorizes the charges on them, reconciles what it parsed against the totals the issuer printed, and analyzes the result for recurring costs, price increases, fees, duplicate charges and other findings that may be worth your attention. It produces reports you and your accountant can read and export.
3. What Annalis is not
This section matters more than any other in this document.
- Annalis is not an accountant and does not do your accounting. It does not file anything, close your books, or produce financial statements you can rely on for statutory purposes.
- Annalis does not give tax advice. It may flag a transaction as possibly warranting review — for example, a purchase that looks like it should be depreciated rather than expensed. That is a prompt to ask your tax professional, not a determination of correct tax treatment.
- Annalis does not give legal or investment advice, and nothing it surfaces about your cards, financing or rewards is a recommendation of any financial product.
- Annalis does not move money. It cannot make payments, transfer funds, cancel a subscription on your behalf, or contact your vendors. Every action it suggests is one you take yourself.
Findings are produced by automated analysis of the records you provide. They can be incomplete, and they can be wrong. You are responsible for verifying anything before you act on it, and for the decisions you make.
4. Your account
You are responsible for the accuracy of what you give us, for keeping credentials secret, and for what the people you invite do with the access you give them. Tell us promptly at support@annalis.ai if you believe an account has been accessed by someone who should not have it. Accounts are for the business that created them; do not share a login across businesses.
You must be at least 18 years old to hold an account.
5. Your data stays yours
You keep all rights to the statements, transactions and other records you put into Annalis. You grant us only the permission we need to run the service for you: to store your records, process them, and display them back to you and to anyone you have given access. We do not sell your data, we do not share it for advertising, and we do not use one business's data to serve another. The privacy policy sets out exactly what we collect and who else processes it, and forms part of these terms.
6. Bank connections
Connecting a bank or card account is optional; Annalis works from uploaded statements alone. If you do connect one, you do so through Plaid, and Plaid's own terms and privacy policy govern that relationship. Connections are read-only: Annalis receives account details, balances and transactions for the accounts you select, and cannot initiate a payment or transfer. You can disconnect at any time.
7. Acceptable use
Do not upload records you have no right to, attempt to access another account's data, probe or attack the service, scrape it, resell it, or use it to build a competing product. Do not use Annalis for anything unlawful. We may suspend an account that is doing any of these, and will tell you why.
8. Free access and paid subscriptions
Creating an account, connecting your accounts and running the analysis are free. Bookkeeping stays free: categorization, your saved rules, transactions, reports, CSV export and your accountant's access are not gated at any point. Findings are shown to a free account as totals and counts, with one finding revealed in full; subscribing shows each finding, the charges behind it and what to do about it.
A free account may connect up to two institutions, and a live bank feed runs for 28 days per institution. We email the account owner before a feed pauses. When it does, every transaction already imported stays in your books and statement uploads continue to work; only the automatic feed stops. Subscribing keeps feeds running and removes the limit on institutions.
If you subscribe, the price, billing period and what is included are shown at the point you subscribe, and those details apply to your subscription.
Subscriptions renew automatically for the same period until cancelled. You can cancel at any time and keep access until the end of the period you have paid for. Fees already paid are not refunded except where the law requires it or where we have clearly failed to deliver the service. We may change prices with at least 30 days' notice by email to the account owner; the new price applies from your next renewal, and you can cancel before it takes effect.
9. Availability
We work to keep Annalis running, but we do not promise uninterrupted service. We may take it down for maintenance, and we may change or remove features. If we make a change that materially reduces what a paid subscription provides, we will tell the account owner by email.
10. Ending the agreement
You can stop using Annalis and close your account at any time. We can suspend or close an account for a breach of these terms, for non-payment, or if we stop offering the service — in the last case with reasonable notice and a chance to export your data. Before or shortly after closure you can export your transactions and reports as CSV and download the statements you uploaded. See the privacy policy for how deletion works.
11. Disclaimer of warranties
Annalis is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the analysis is complete or error-free, that every leak in your finances will be found, or that any figure it estimates will be realized.
12. Limitation of liability
To the fullest extent the law allows, neither party is liable to the other for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost data or lost business opportunity, even if warned they were possible. Our total liability for any claim relating to Annalis is limited to the greater of the fees you paid us in the twelve months before the claim arose, or one hundred US dollars.
Nothing here limits liability that cannot lawfully be limited, including for fraud.
13. Indemnity
You will defend and indemnify us against third-party claims arising from your misuse of Annalis, from records you had no right to upload, or from your breach of these terms.
14. Governing law and disputes
These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The state and federal courts located in Dallas County, Texas have exclusive jurisdiction, and both of us consent to venue there.
Before filing anything, write to support@annalis.ai and give us 30 days to resolve it. Most problems are a misunderstanding and end there.
15. Changes to these terms
We may update these terms. If a change is material we will email the account owner before it takes effect. Continuing to use Annalis after that date means you accept the updated terms. The date at the top always reflects the current version.
16. The rest
These terms, together with the privacy policy, are the entire agreement between us about Annalis. If a provision is found unenforceable, the rest stays in force. Our not enforcing something is not a waiver of it. You may not assign this agreement without our written consent; we may assign it in connection with a merger or sale of the business.