ExpenseLM Terms of Service

Last updated: 11/6/2026

Last updated: 6 November 2026

These terms are an agreement between you and Clarence Ho, trading as ExpenseLM, a sole proprietorship registered in Hong Kong ("ExpenseLM", "we", "us"). They cover your use of:

  • the ExpenseLM website
  • the web app
  • the mobile apps
  • the API
  • the MCP server

Together these are "the Service". By creating an account or using the Service, you agree to these terms and to our Privacy Policy.

1. The Service

ExpenseLM turns photos of receipts and invoices into structured expense records, and lets you organise, search and analyse them. You can do this:

  • in our apps
  • through the ExpenseLM API
  • through AI assistants you connect to ExpenseLM via our MCP server

2. Your account

  • You must be at least 16 years old, and give us a valid email address.
  • Keep your password and API keys confidential. You are responsible for what happens under your account, including requests made by AI assistants or tools you connect with your credentials.
  • Tell us promptly at support@expenselm.ai if you think your account or API key has been misused.

3. Your content

  • You own your content: the receipts, invoices and information you upload or enter.
  • What you let us do with it: you give us permission to store, process and display it only as needed to provide the Service to you. That includes processing by our service providers, as described in the Privacy Policy.
  • What we don't do with it: we don't use your content to train AI models, and we don't sell it.
  • Your responsibility: only upload content you have the right to use. Don't upload other people's personal data unless you're allowed to.

4. AI-generated results

  • Expense details are extracted automatically by AI models and may be wrong or incomplete. This covers amounts, dates, currencies and categories.
  • Currency conversions use published reference rates. They may differ from the rate your bank or card applied.
  • Check results against your original receipts before relying on them, for example for expense claims, tax returns or accounting.
  • ExpenseLM is a record-keeping tool. It doesn't give financial, tax or legal advice.

5. AI assistants and third-party services

  • You can connect third-party AI assistants and tools to ExpenseLM, such as Claude, ChatGPT or Gemini.
  • They are operated by other companies under their own terms. We aren't responsible for how they use the data you let them access, or for what they do on your instructions.
  • Connecting them is your choice, and you can disconnect them at any time.
  • Actions a connected assistant takes with your credentials, such as creating or deleting expenses, are treated as your actions.

6. Acceptable use

Don't:

  • use the Service for anything unlawful, fraudulent or deceptive. For example, don't create false receipts or expense claims.
  • upload malware, or content you don't have the right to share.
  • try to access other users' data, or get around security measures or usage limits.
  • overload, scrape or reverse-engineer the Service, except as the law allows.
  • resell the Service or provide it to others as your own product without our written permission.

We may suspend or limit accounts that break these rules or put the Service or other users at risk.

7. Plans, quotas and payment

  • Plans. The Free plan and paid plans include different monthly limits, for example the number of receipt images you can extract each month. Current plans and limits are shown on our website and in the app.
  • Billing. Paid plans are billed in advance each month through Stripe and renew automatically until cancelled.
  • Cancelling. Email support@expenselm.ai from your account's email address to cancel. A cancellation takes effect at the end of the current billing period.
  • Refunds. Payments are non-refundable except where the law requires otherwise.
  • Changes. We may change plans, prices or limits. Price increases take effect from your next billing period, and we'll tell you at least 30 days in advance.

8. Changes to the Service

  • We're actively developing ExpenseLM and may add, change or remove features.
  • Features marked as beta or preview may change, or be withdrawn, without notice.
  • If we make a change that significantly reduces what a paid plan includes, we'll tell you in advance. You can cancel before the change takes effect.

9. Ending your account

  • You can delete your account at any time in the app settings. This deletes your data as described in the Privacy Policy.
  • We may suspend or close your account if you seriously or repeatedly break these terms, or if the law requires it. Where reasonable, we'll tell you first and give you a chance to export your data.
  • Sections 3, 4, 10, 11, 12 and 13 continue to apply after your account ends.

10. Intellectual property

  • The Service, including the software, design and the ExpenseLM name and logo, belongs to us or our licensors.
  • These terms don't give you any right to them, except the right to use the Service as described here.
  • If you send us feedback, we may use it without any obligation to you.

11. Disclaimers and limitation of liability

Disclaimers

  • The Service is provided "as is" and "as available".
  • To the extent the law allows, we don't guarantee that it will be uninterrupted or error-free, or that extracted data will be accurate.

Limits on our liability

To the extent the law allows:

  • We aren't liable for indirect or consequential losses, such as lost profits, or for losses caused by inaccurate extracted data you didn't check.
  • Our total liability to you is limited to the greater of:
    • the amount you paid us in the 12 months before the claim
    • HK$800

What these limits don't cover

Nothing in these terms limits liability that can't be limited by law, such as liability for death or personal injury caused by negligence, or for fraud.

12. Governing law

These terms are governed by the laws of the Hong Kong Special Administrative Region. Disputes are subject to the non-exclusive jurisdiction of the Hong Kong courts. If you're a consumer elsewhere, you keep any protections your local law gives you.

13. General

  • Changes to these terms. We may update these terms. For significant changes, we'll tell you by email or in the app before they take effect. Continuing to use the Service after that means you accept the new terms.
  • Severability. If any part of these terms is found unenforceable, the rest still applies.
  • No waiver. If we don't enforce a right, we haven't waived it.
  • Transfer. You may not transfer these terms without our consent. We may transfer them as part of a reorganisation, merger or sale of the business.

14. Contact

Clarence Ho, trading as ExpenseLM 234 Tung Choi Street, Mong Kok, Kowloon, Hong Kong support@expenselm.ai

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