Terms of Service

About Fastcal

Fastcal is a financial analysis platform that helps users upload and review bank statements, analyze spending patterns, generate budgeting insights, create debt payoff plans, and view financial summaries and reports.

Fastcal is not a bank, accounting firm, tax advisor, or licensed financial advisor.

Eligibility

You must be legally permitted to use the Service in your jurisdiction. By using Fastcal, you confirm that the information you provide is accurate, you are authorized to upload the documents you submit, and you will not misuse the platform.

User Accounts

You are responsible for maintaining account security, protecting login credentials, and activities performed under your account. You must notify Fastcal immediately if you believe your account has been compromised.

Uploaded Content

You retain ownership of your uploaded files and financial information.

By uploading content to Fastcal, you grant us a limited right to process files, generate financial insights, provide reports and visualizations, and improve service reliability and categorisation systems.

You may not upload illegal content, malware or harmful files, or content you do not have permission to use.

AI-Generated Suggestions

Fastcal may generate financial summaries, spending insights, budget suggestions, debt payoff guidance, and subscription analysis.

AI systems are used as an enrichment layer for structured transaction data. Fastcal does not use AI to parse original PDF files or raw statement pages.

These suggestions are informational only, are generated automatically, may not always be accurate, and must not be treated as professional financial advice. Users remain responsible for financial decisions.

Privacy and Security

Fastcal takes reasonable measures to protect user information, but no platform can guarantee absolute security. Users understand that internet-based services involve risk, financial data processing requires trust in hosted infrastructure, and service interruptions may occasionally occur.

Please review our Privacy Policy for more information.

Service Availability

We may modify features, introduce limits, suspend or discontinue parts of the platform, and perform maintenance or updates. We do not guarantee uninterrupted availability.

Fair Usage Policy

Fastcal Pro plans include access to unlimited uploads and processing under normal personal and small business usage conditions.

To maintain platform stability, security, and service quality for all users, Fastcal reserves the right to monitor usage patterns and apply reasonable limitations where usage is deemed excessive, abusive, automated, or negatively impacts system performance.

Examples of prohibited or excessive usage include automated bulk uploads beyond typical human usage, attempts to resell or redistribute the Service, excessive API or AI processing requests, attempts to overload, stress test, or exploit the platform, and usage inconsistent with personal finance or small business financial management.

Where possible, Fastcal will attempt to contact users before applying restrictions or temporary limitations. Fastcal may throttle, suspend, or restrict usage that violates this Fair Usage Policy.

File Processing and Storage

Uploaded bank statement files are processed temporarily for transaction extraction and analysis.

Fastcal does not permanently store original uploaded bank statement PDF files after processing is completed. Files are deleted automatically after successful extraction and validation.

Only structured transaction data and generated financial insights required to provide the Service are retained.

Usage Restrictions

You may not attempt unauthorized access, reverse engineer the platform, abuse uploads or APIs, interfere with system security, use Fastcal for unlawful activity, or attempt automated scraping or denial-of-service activity.

Intellectual Property

Fastcal, including its branding, software, interface, and content, is protected by intellectual property laws. You may not copy or redistribute platform materials without permission.

Limitation of Liability

To the maximum extent permitted by law, Fastcal and its operators are not liable for financial losses, missed payments, incorrect financial decisions, inaccurate AI suggestions, data loss, service interruptions, or indirect or consequential damages.

Use of Fastcal is at your own risk.

Termination

We reserve the right to suspend or terminate accounts that violate these Terms, abuse the platform, create security risks, or engage in fraudulent or unlawful activity. Users may stop using the Service at any time.

Governing Law

These Terms are governed by applicable laws in the jurisdiction where Fastcal operates, unless otherwise required by local consumer protection laws.

Changes to Terms

We may update these Terms periodically. Continued use of the Service after updates constitutes acceptance of the revised Terms.

Contact

For support or legal inquiries, contact support@fastcal.ai.