SheetLink

Terms of Service

Last updated: December 2025

Plain-English Summary

These Terms explain what SheetLink is, how it works, and what responsibilities you agree to when using it. SheetLink is a Chrome extension that connects your real bank accounts to Google Sheets via Plaid. Here's what you need to know:

  • SheetLink offers three subscription tiers: FREE (7 days, 11 fields), BASIC (90 days, 11 fields), and PRO (730 days, 33 fields).
  • The FREE Tier is free forever with access to the last 7 days of transaction history.
  • SheetLink does not store your transactions or banking activity. Data flows directly to your Google Sheet.
  • You are responsible for how you use any data in your Google Sheets.
  • SheetLink is provided "as is" with no guaranteed uptime or SLA.

The full legal terms below apply to all use of SheetLink and the Chrome extension.

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 and API service that helps users sync banking transaction data from their real financial institutions into their own Google Sheets 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.

Subscription Tiers

SheetLink offers three subscription tiers with different levels of historical data access and transaction detail. All tiers 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: 11 core fields (date, amount, description, merchant, category, etc.)
  • Bank connections: Unlimited institutions
  • Sync control: Manual sync (you control when transactions are fetched)
  • Google Sheets: Unlimited connected sheets

BASIC Tier

  • Cost: TBD (currently admin-provisioned only)
  • Transaction history: 90 days per connected institution (~3 months)
  • Transaction fields: 11 core fields (same as FREE)
  • Bank connections: Unlimited institutions
  • All FREE tier features included

PRO Tier

  • Cost: TBD (currently admin-provisioned only)
  • Transaction history: 730 days per connected institution (2 years)
  • Transaction fields: 33 total fields including:
    • All 11 core fields from FREE/BASIC
    • Enhanced dates (authorized_date, datetime, authorized_datetime)
    • Merchant details (merchant_entity_id, website, logo_url)
    • Location data (address, city, region, postal code, lat/lon)
    • Transaction metadata (check_number, pending_transaction_id)
    • Personal finance categories (detailed categorization)
  • Bank connections: Unlimited institutions
  • All BASIC tier features included

Transaction Fields by Tier

11 Core Fields (FREE & BASIC tiers):

  • transaction_id, account_id, date, description_raw, merchant_name
  • amount, iso_currency_code, pending, plaid_category
  • payment_channel, transaction_code

Additional 22 Fields (PRO tier only):

  • authorized_date, datetime, authorized_datetime
  • merchant_entity_id, unofficial_currency_code
  • pending_transaction_id, check_number
  • personal_finance_category (primary & detailed)
  • transaction_type
  • location (address, city, region, postal_code, country, lat, lon)
  • website, logo_url

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.

Chrome Extension Permissions

The SheetLink extension requests the minimum permissions required to function:

  • Access to Google Sheets and Drive APIs
  • Ability to open Plaid Link in a secure window
  • Access to your Sheet URL for writing data

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

Tier Changes & Data Handling

Upgrading Tiers

When you upgrade from FREE to BASIC, or BASIC to PRO:

  • You immediately gain access to longer transaction history
  • PRO users gain access to 33 transaction fields (vs 11 for FREE/BASIC)
  • Your existing Google Sheets are not modified automatically
  • Next sync will use your new tier limits and field access
  • You can re-run backfill to get more historical data within new tier limits

Downgrading Tiers

When you downgrade from PRO to BASIC/FREE, or BASIC to FREE:

  • Column mismatch detection: Extension detects if your sheet has more columns than your new tier allows
  • Data clearing warning: You'll be warned before any data is removed from your sheet
  • Forced clearing: To sync with a downgraded tier, excess columns must be cleared from your sheet
  • Data not recovered: If you downgrade from PRO (33 fields) to FREE (11 fields), the extra 22 fields are permanently removed from your sheet
  • Re-upgrade option: If you upgrade again, you'll need to reconnect to restore full field 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
  • BASIC: Can fetch transactions from the last 90 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

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

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.

Contact

If you have questions about these Terms or need help with the sandbox, 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.