Terms of Service

1. Acceptance of Terms

By accessing or using the Snapt service ("Service"), including our Telegram bot, web application, and related services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

Snapt is an AI-powered receipt processing service that:

• Extracts itemized transaction data from receipt images and documents
• Syncs itemized data with your YNAB (You Need A Budget) account
• Provides budget insights and spending analysis (tier-dependent)

3. Eligibility

You must be at least 18 years old to use this Service. By using Snapt, you represent that you have the legal capacity to enter into these Terms.

4. Subscription Tiers and Pricing

4.1 Available Tiers

4.2 Feature Availability

• Basic Receipt Processing: Available to all tiers
• YNAB Sync: Available to all tiers
• PDF/WebP Document Processing: PLUS tier and above
• Couples Mode (Shared Budgets): PLUS tier and above
• Budget Insights & Analytics: PRO tier only
• Smart AI Escalation: PLUS tier and above

4.3 Receipt Limits

• FREE_TRIAL users receive 5 lifetime receipts (non-renewing)
• Paid subscribers receive their tier's monthly allocation
• Receipt counts reset on the first day of each billing cycle
• Unused receipts do not roll over to subsequent months

4.4 Billing

• Subscriptions are billed monthly in advance
• Payments are processed securely through Stripe
• Automatic renewal occurs on the same day each month
• You may cancel at any time; access continues through the end of your billing period

4.5 Price Changes

We reserve the right to modify pricing with 30 days advance notice. You will be notified via email to your registered address and Telegram message through the Snapt bot. Continued use after a price change constitutes acceptance of the new pricing.

4.6 Founding 100 Program

4.7 Refunds

We offer a 7-day refund policy for first-time subscribers who are unsatisfied with the Service. Refund requests after 7 days are evaluated on a case-by-case basis.

5. User Accounts and Security

5.1 Account Creation

You may access Snapt through Telegram (primary interface) or the web application at usesnapt.com.

5.2 YNAB Connection

To use Snapt's sync features, you must authorize access to your YNAB account via OAuth. You may revoke this access at any time through your YNAB account settings.

5.3 Account Security

You are responsible for:

• Maintaining the security of your Telegram account
• Any activity that occurs through your connected accounts
• Notifying us immediately of any unauthorized access

6. Acceptable Use

You agree NOT to:

• Upload fraudulent, misleading, or fake receipts
• Attempt to circumvent receipt limits or tier restrictions
• Use the Service for illegal purposes
• Reverse engineer or attempt to extract source code
• Interfere with the Service's operation or security

7. Disclaimers and Limitations

7.1 Service Availability

Snapt is provided "as is" without warranties of any kind. We do not guarantee uninterrupted availability, error-free operation, or compatibility with all devices or platforms.

7.2 YNAB Integration

Snapt is an independent third-party service listed on YNAB's "Works with YNAB" community page. We are not responsible for changes to YNAB's API or service that may affect Snapt functionality.

Snapt is not owned by, affiliated with, or officially endorsed by YNAB beyond our listing on the Works with YNAB community page. The official YNAB website can be found at https://www.ynab.com. The names YNAB and You Need A Budget, as well as related names, tradenames, marks, trademarks, emblems, and images are registered trademarks of YNAB.

7.3 AI Processing Accuracy

7.4 Limitation of Liability

8. Intellectual Property

All content, features, and functionality of Snapt are owned by Snapt and protected by intellectual property laws. You retain ownership of your receipt images and financial data.

9. Privacy

Your use of Snapt is governed by our Privacy Policy, which describes how we collect, use, and protect your information.

If you are in the EU/EEA, UK, or Switzerland (or we otherwise offer the Service in those regions), please review the GDPR section of the Privacy Policy.

10. Termination

10.1 By You

You may cancel your subscription at any time through the Snapt bot or web application.

10.2 By Us

We reserve the right to suspend or terminate your access for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of subscription fees

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

11.2 Informal Resolution

Before filing any claim, you agree to contact us at support@usesnapt.com to attempt informal resolution.

12. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

13. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated with 30 days notice via email and Telegram. Continued use after changes take effect constitutes acceptance.

14. Contact Information

For questions about these Terms: