SheetLink

Terms of Service

What you agree to when using SheetLink — plain English, no surprises.

Last updated: March 2026

Plain-English Summary

SheetLink connects your real bank accounts to your spreadsheet via Plaid. It's a pass-through utility — we never store your transaction data.

  • ✓FREE tier — free forever, 7 days of history, 1 bank, Google Sheets only
  • ✓PRO tier — $4.99/mo or $39.99/yr, 730 days of history, unlimited banks, Google Sheets + Excel
  • ✓MAX tier — $10.99/mo or $99/yr, everything in PRO plus API key access, CLI automation, Postgres/SQLite/JSON/CSV output, and Claude AI integration
  • ✓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

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, REST API, and command-line tool (CLI) that syncs banking transaction data from your financial institutions into your spreadsheet, database, or preferred output format 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.

Excel Add-in

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

CLI & API (MAX only)

MAX subscribers receive an API key and access to the sheetlink CLI. This enables unattended cron-scheduled syncs and output to Postgres, SQLite, JSON, and CSV — without requiring a browser. The CLI uses the same pass-through architecture; no transaction data is stored on our servers. MAX also includes integration with Claude AI for querying your transaction data conversationally.

Subscription Tiers

FREE
  • Cost: Free forever
  • History: 7 days per institution
  • Fields: 34 transaction fields
  • Banks: 1 institution
  • Sync: Manual (you control timing)
  • Platforms: Google Sheets (Chrome extension)
PRO
  • Cost: $4.99/month or $39.99/year
  • History: 730 days per institution (2 years)
  • Fields: 34 transaction fields
  • Banks: Unlimited institutions
  • Backfill: Full 2-year history on upgrade
  • Platforms: Google Sheets + Microsoft Excel
  • Support: Priority email support
MAX
  • Cost: $10.99/month or $99/year
  • History: 730 days per institution (2 years)
  • Fields: 34 transaction fields
  • Banks: Unlimited institutions
  • Platforms: Google Sheets + Excel + Postgres + SQLite + JSON + CSV
  • CLI: sheetlink sync — unattended cron automation
  • API: REST API key access
  • Claude AI: Conversational queries on your transaction data
  • Support: Priority email support

34 Transaction Fields (All Tiers)

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

Metadata

check_number · pending_transaction_id · unofficial_currency_code · transaction_type · personal_finance_category (primary + detailed)

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→SheetLink API→Your destination

Google Sheets · Excel · Postgres · SQLite · JSON · CSV · Claude AI

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

Client Application Permissions

Chrome Extension

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

Does not track browsing, monitor web activity, or inject scripts into other websites.

Excel Add-in

  • ✓ReadWriteDocument permission — minimum required to write transactions
  • ✓Reads existing data only to detect and prevent duplicate transactions
  • ✓OAuth and Plaid Link handled via displayDialogAsync (Microsoft-managed)

Does not access any other documents, files, or Office applications.

Tier Changes & Data Handling

Upgrading to PRO

  • ✓Immediate access to 2 years of transaction history
  • ✓Unlimited bank connections
  • ✓Excel Add-in access
  • ✓Re-run backfill to pull full 2-year historical data

Upgrading to MAX

  • ✓Everything in PRO
  • ✓API key issued immediately
  • ✓CLI available for download — run sheetlink sync on a schedule
  • ✓Output to Postgres, SQLite, JSON, or CSV in addition to Sheets/Excel
  • ✓Claude AI integration for conversational transaction queries

Downgrading tiers

  • →MAX → PRO: API key is deactivated; CLI syncs will fail. Sheets and Excel output remain available.
  • →PRO → FREE: Limited to 1 bank connection; new syncs only fetch the last 7 days; Excel Add-in access removed.
  • ✓Data already in your spreadsheets or databases is never deleted by SheetLink
  • ✓Re-upgrading restores all tier features
Note: SheetLink uses a pass-through architecture and does not store your transaction data on our servers. Tier limits apply only to how far back we can fetch new data — your Google Sheet stores transactions indefinitely.

Authentication & Sessions

Google OAuth

  • You authenticate directly with Google
  • We never see your Google password
  • We receive your email and user ID
  • A JWT token is issued for API auth

Session Expiry

  • JWT tokens expire after 60 minutes
  • Re-auth is usually one-click
  • Bank connections are preserved
  • Sheet configs are preserved

Account Security

  • Tokens stored in Chrome's encrypted storage
  • Tokens never shared with third parties
  • All API requests use HTTPS
  • Expired tokens 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

You agree not to

  • ✗Reverse engineer, modify, or distribute the Service
  • ✗Bypass rate limits or interfere with infrastructure
  • ✗Resell or commercialize the extension without permission
  • ✗Create excessive Plaid Items to abuse the Free Tier

Third-Party Services

Plaid

SheetLink uses Plaid to connect to your financial institutions. By using SheetLink, you authorize us to access your financial data through Plaid on your behalf. Subject to Plaid's terms.

Google

The Chrome extension requires access to Google Sheets to write transaction data. Subject to Google's terms.

Microsoft

The Excel Add-in uses the Office.js API. SheetLink is independent and not endorsed by Microsoft. Subject to Microsoft's terms.

Anthropic / Claude

MAX subscribers may use Claude AI to query their transaction data. SheetLink sends transaction data to Anthropic's API on your behalf. Subject to Anthropic's terms.

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 SLA or uptime guarantees.

SheetLink is not responsible for any damage, loss, or issues arising from using the extension, the service, or any data written to your spreadsheet. SheetLink acts solely as a conduit for transaction data and is not a financial advisor or accounting service.

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

Account, Changes & Governing Law

Account Termination

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

Changes to Terms

We may update these terms from time to time. Material changes will be communicated via email or through the extension. Continued use constitutes acceptance.

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 are the property of their respective owners:

  • Plaid — Plaid Inc.
  • Google, Google Sheets, Google Drive — Google LLC
  • Microsoft, Microsoft Excel — Microsoft Corporation
  • Chase — JPMorgan Chase & Co.
  • Bank of America — Bank of America Corporation
  • Wells Fargo — Wells Fargo & Company
  • Citi, Citibank — Citigroup Inc.
  • Capital One — Capital One Financial Corporation
  • Claude, Anthropic — Anthropic PBC

Use of these names does not imply endorsement or affiliation. SheetLink is an independent service.

Questions about these Terms?

Contact us at support@sheetlink.app

By using SheetLink, you acknowledge that you have read, understood, and agree to these Terms of Service and our Privacy Policy.