The agreement in brief
Use only financial documents you have the right to process, preserve the issuer record, and check every output before acting on it.
Authority comes first
You must have permission to upload, analyze, save, export, or share the statement.
Results require inspection
Dates, descriptors, amount direction, values, balances, categories, and calculated totals can be wrong and must be checked.
Your records remain your responsibility
Keep independent evidence whenever a legal, tax, accounting, contractual, or business duty requires it.
Authorized document use
Do not submit a statement to discover, expose, exploit, or impersonate another person's finances. You are responsible for establishing the authority needed for the upload and for any later disclosure.
Fictional statement generator
Generated output is limited to software testing, teaching, demonstrations, and personal budgeting practice. It is not issued or verified by a financial institution and cannot support a claim about identity, address, account ownership, assets, income, creditworthiness, or genuine transactions. Do not hide its watermark or synthetic notice, copy a real issuer's identity, enter another person's details, or present it as authentic.
Checking automated output
Extraction, OCR, merchant suggestions, categories, reconciliation, charts, period coverage, and recurring-charge candidates can contain mistakes. Compare copied values and calculated results with the statement and appropriate separate evidence.
A recorded review confirmation shows only that a user stated a check was performed. It is not authentication, audit assurance, a professional opinion, or proof of purpose. Scans and photographs require an additional field-by-field image comparison. See the analysis methodology for the distinction between source facts and added interpretations.
No professional or issuer service
CreditCard-Statement.com is not a bank, card issuer, lender, bureau, accountant, tax adviser, investment adviser, fraud investigator, or law firm. It cannot authenticate a statement, decide eligibility, settle a dispute, or provide professional advice.
Profile storage
A signed-in user can choose to keep an encrypted source and analysis. Free-account files have a 30-day scheduled expiry; paid-account files have no automatic expiry. Storage here is a working convenience, not an official card archive or required records system. The file manager supports organization, download, and permanent deletion. Details appear in the Privacy Policy.
Paid plans and one-time reports
Plus is $4.99 per month or $39.99 per year. Pro is $9.99 per month or $79.99 per year. The Enhanced Single Report costs $2.99 once and does not renew. Checkout shows the exact charge and billing interval before payment. A subscription continues for the displayed interval until cancelled through the signed-in billing portal. Cancellation stops a future renewal and generally does not create a partial-period refund; access follows the processor's recorded status and dates.
Availability and product changes
Features, allowances, and safeguards may change for reliability, security, legal compliance, or user protection. Guest results expire, and no storage feature should be treated as a permanent official archive.
Monthly allowances
Statement-analysis and question allowances renew at 00:00 UTC on the first day of each month, including for annual subscribers. A file rejected during validation does not consume the monthly analysis count, although repeated requests remain subject to rate limits. Do not evade limits through duplicate profiles, cleared session state, automation, or concurrent submissions.
Planning features and reports
Budgets, goals, recurring-charge suggestions, ratios, card-activity views, and forecasts organize available statement data. Missing cycles, unreadable fields, wrong categories, or mixed currencies can make them incomplete. Keep currencies separate unless a documented conversion is available, verify the source rows, and obtain suitable independent advice for consequential decisions.
Household access
Send household invitations only to the intended person. Acceptance grants the displayed product role and any chosen contribution of calculated totals; it does not transfer statement ownership or permit access outside the controls. Members must not infer, copy, or misuse another participant's private financial information, and owners must remove access when it is no longer appropriate.
Saved currency conversions
The user is responsible for the amount, rate, source, link, date, rounding, note, and intended use of every conversion. Saving a calculation does not make its rate official or suitable for another party, accounting system, or tax return. Retain independent evidence appropriate to the intended use.
Referral conduct
A reward requires a genuinely new profile to complete a valid analysis. Self-referral, duplicate or automated accounts, misleading promotion, purchased referrals, and monthly-cap evasion are prohibited. Referral links must never be distributed with someone else's statement or private data. Invalid or abusive rewards can be refused or reversed.
Messages and account limits
Optional reminder emails are controlled in Account Settings and omit private financial figures. The active plan determines available account slots, storage, analyses, questions, and reports. Making an account label inactive preserves connected history while freeing an active slot.
Prohibited automation and misuse
Do not attempt to inspect another user's result, bypass a quota, introduce malicious code, overload the service, or automate disruptive requests. Public pages may not be scraped, spun, or republished to create deceptive, copied, or low-value sites.