Terms of Service

Plain-English Summary

These Terms explain what SheetLink is, how it works, and what responsibilities you agree to when using it. SheetLink includes a Chrome extension and an Excel Add-in, both of which connect your real bank accounts to your spreadsheet via Plaid. Here's what you need to know:

• SheetLink offers two subscription tiers: FREE (7 days of history, 1 bank, Google Sheets only) and PRO (730 days, unlimited banks, Google Sheets + Excel).
• The FREE Tier is free forever with access to the last 7 days of transaction history and 1 bank connection.
• Excel sync is available on PRO only.
• SheetLink does not store your transactions or banking activity. Data flows directly to your spreadsheet.
• You are responsible for how you use any data in your spreadsheets.
• SheetLink is provided "as is" with no guaranteed uptime or SLA.

The full legal terms below apply to all use of SheetLink, including the Chrome extension and Excel Add-in.

Acceptance of Terms

By accessing or using SheetLink ("the Service"), you agree to be bound by these Terms of Service. If you don't agree to these terms, please don't use the Service.

Description of Service

SheetLink is a Chrome extension, Microsoft Excel Add-in, and API service that helps users sync banking transaction data from their real financial institutions into their own spreadsheets via Plaid. It is a pass-through utility. SheetLink does not store transaction data, balances, categories, or bank account details on its servers. Only encrypted Plaid access tokens, Google user identifiers, and minimal sync metadata are retained.

The Excel Add-in (sheetlink.app/excel/) is available exclusively to PRO subscribers. It uses the same backend API and Plaid integration as the Chrome extension and writes transaction data directly to your active Excel workbook via the Microsoft Office.js API.

Subscription Tiers

SheetLink offers two subscription tiers. Both use the same pass-through architecture — we never store your transaction data.

FREE Tier

• Cost: Free forever
• Transaction history: 7 days per connected institution
• Transaction fields: 34 fields per transaction
• Bank connections: 1 institution
• Sync control: Manual sync (you control when transactions are fetched)
• Platforms: Google Sheets (Chrome extension)

PRO Tier

• Cost: $4.99/month or $39.99/year
• Transaction history: 730 days per connected institution (2 years)
• Transaction fields: 34 fields per transaction
• Bank connections: Unlimited institutions
• Historical backfill: Access full 2-year history on upgrade
• Platforms: Google Sheets (Chrome extension) + Microsoft Excel (Excel Add-in)
• Priority support: Email support with faster response times
• All FREE tier features included

Transaction Fields (All Tiers)

34 Transaction Fields Available:

• Core fields: transaction_id, account_id, date, description_raw, merchant_name, amount, iso_currency_code, pending, plaid_category, payment_channel, transaction_code
• Enhanced dates: authorized_date, datetime, authorized_datetime
• Merchant details: merchant_entity_id, website, logo_url
• Location data: address, city, region, postal_code, country, lat, lon
• Transaction metadata: check_number, pending_transaction_id, unofficial_currency_code, transaction_type
• Personal finance categories: primary and detailed categorization

No Storage of Financial Data

SheetLink does not store, log, or archive any transaction data, balances, categories, or account details. All financial data flows directly:

Plaid → Your browser → Your Google Sheet.

Our servers only handle encrypted tokens needed for Plaid Link to function. You are solely responsible for any data once it enters your Google Sheet.

Client Application Permissions

Chrome Extension

The SheetLink Chrome extension requests the minimum permissions required to function:

• Access to Google Sheets and Drive APIs
• Ability to open Plaid Link in a secure window
• Local storage for encrypted tokens and preferences

The extension does not track your browsing behavior, does not monitor web activity, and does not inject scripts into other websites.

Excel Add-in

The SheetLink Excel Add-in is a task pane application distributed via Microsoft AppSource. It requests ReadWriteDocument permission, the minimum required to write transaction data to your workbook. It does not read your existing workbook contents beyond what is needed to detect and prevent duplicate transactions.

The Excel Add-in uses Office.context.ui.displayDialogAsync for Google OAuth authentication and Plaid Link. These dialogs are managed by Microsoft's Office runtime. The add-in does not access any other documents, files, or Office applications.

Tier Changes & Data Handling

Upgrading Tiers

When you upgrade from FREE to PRO:

• You immediately gain access to 2 years of transaction history (vs 7 days on FREE)
• You gain unlimited bank connections (vs 1 bank on FREE)
• Your existing Google Sheets are not modified automatically
• Next sync will use your new tier limits
• You can re-run backfill to get full 2-year historical data

Downgrading Tiers

When you downgrade from PRO to FREE:

• Bank connection limit: You'll be limited to 1 bank connection (vs unlimited on PRO)
• History limit: New syncs will only fetch the last 7 days (vs 730 days on PRO)
• Existing data preserved: Data already in your Google Sheet remains unchanged
• Disconnect requirement: If you have multiple banks connected, you'll need to disconnect all but one
• Re-upgrade option: If you upgrade again, you regain unlimited banks and 2-year history access

Data Retention Policies

Important: SheetLink uses a pass-through architecture and does not store your transaction data on our servers. Data retention refers to how much historical data you can fetch from your bank via Plaid:

• FREE: Can fetch transactions from the last 7 days
• PRO: Can fetch transactions from the last 730 days (2 years)

Your Google Sheet stores the transactions indefinitely (we never delete data from your sheet). Tier limits only apply to how far back we can fetch new data.

Authentication & Session Management

Google OAuth Sign-In

SheetLink uses Google OAuth for authentication. When you sign in:

• You authenticate directly with Google (we never see your Google password)
• Google provides us with your email address and user ID
• We create a user record with your email, Google user ID, and subscription tier
• We generate a JWT token for secure API authentication

Session Expiry

For security, JWT authentication tokens expire after 60 minutes. When your session expires:

• You'll be prompted to sign in again with Google
• Re-authentication is usually one-click (Google remembers recent sign-ins)
• A new JWT token is issued with another 60-minute validity
• Your bank connections and sheet configurations are preserved

Account Security

To protect your account:

• JWT tokens are stored securely in Chrome's encrypted storage
• Tokens are never transmitted to third parties
• All API requests use HTTPS encryption
• Backend verifies every token's cryptographic signature
• Invalid or expired tokens are rejected immediately

User Responsibilities

You agree to:

• Provide accurate information when setting up your account
• Keep your Google account and bank credentials secure
• Use the Service only for lawful purposes
• Not attempt to reverse engineer, modify, or distribute the Service
• Not use the Service to violate any applicable laws or regulations

Acceptable Use

You agree not to:

• Use SheetLink for any unlawful purpose
• Attempt to bypass rate limits or usage restrictions
• Interfere with or probe the underlying services or infrastructure
• Misuse access tokens or attempt to extract data beyond intended use
• Resell, redistribute, or commercialize the extension without permission
• Create excessive numbers of Plaid Items to abuse the Free Tier

Third-Party Services

Plaid

SheetLink uses Plaid to connect to your financial institutions. Your use of Plaid is subject to Plaid's own terms and privacy policy. By using SheetLink, you authorize us to access your financial data through Plaid on your behalf.

Google Sheets

The Chrome extension requires access to your Google Sheets to write transaction data. Your use of Google services is subject to Google's terms of service.

Microsoft Excel / Office.js

The Excel Add-in uses the Microsoft Office.js API to write transaction data to your workbook. Your use of Microsoft Excel and Office is subject to Microsoft's terms of service and privacy statement. SheetLink is an independent service and is not endorsed by or affiliated with Microsoft.

Limitations of Liability

SheetLink is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the service will be uninterrupted, accurate, or error-free. The Free Tier does not include any service level agreement (SLA) or uptime guarantees.

You agree that SheetLink is not responsible for any damage, loss, or issues that may arise from using the extension, the service, or any data written to your Google Sheets. SheetLink acts solely as a conduit for transaction data and is not a financial advisor or accounting service.

If you are not comfortable with these limitations, please do not use SheetLink.

Data Accuracy

While we strive to provide accurate transaction data, you should verify important financial information directly with your bank. SheetLink is a tool to help you organize your finances, not a replacement for your bank's official records.

Account Termination

You may delete your SheetLink account at any time. We reserve the right to suspend or terminate accounts that violate these terms or engage in abusive behavior.

Changes to Terms

We may update these terms from time to time. If we make material changes, we'll notify you via email or through the extension. Continued use of the Service after changes constitutes acceptance of the new terms.

Governing Law

These terms are governed by the laws of the United States. Any disputes will be resolved in accordance with US law.

Trademarks

All trademarks, logos, and brand names mentioned on this website and within SheetLink are the property of their respective owners. The following are registered trademarks of their respective companies:

• Plaid is a registered trademark of Plaid Inc.
• Google, Google Sheets, and Google Drive are registered trademarks of Google LLC.
• Chase is a registered trademark of JPMorgan Chase & Co.
• Bank of America is a registered trademark of Bank of America Corporation.
• Wells Fargo is a registered trademark of Wells Fargo & Company.
• Citi and Citibank are registered trademarks of Citigroup Inc.
• Capital One is a registered trademark of Capital One Financial Corporation.
• Microsoft and Microsoft Excel are registered trademarks of Microsoft Corporation.
• All other bank and financial institution names and logos are the property of their respective owners.

Use of these names, logos, and brands does not imply endorsement by or affiliation with these companies. SheetLink is an independent service and is not endorsed by, affiliated with, or sponsored by any of the companies mentioned.

Contact

If you have questions about these Terms or need help with the sandbox, contact us at:

support@sheetlink.app