SheetLink terms of service

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 plan: free forever, 7 days of history, 1 bank, Google Sheets only
Pro plan: $4.99/mo or $49/yr, 730 days of history, unlimited banks, Google Sheets + Excel
Max plan: $10.99/mo or $99/yr, everything in Pro plus investments, API keys for CLI automation, Postgres/SQLite output, and Claude through the SheetLink MCP server
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, command-line tool (CLI) and MCP server for Claude 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 or balances on its servers. It keeps your Plaid access tokens and the account names and last four digits it shows you, encrypted.

Only encrypted Plaid access tokens, Google user identifiers, and minimal sync metadata are retained.

Excel Add-in

The Excel add-in (from Microsoft AppSource, hosted at 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 automation and API keys (Max)

Max subscribers can create API keys for the sheetlink CLI and the SheetLink MCP server. Keys enable unattended, cron-scheduled syncs without a browser sign-in, and Max adds output to Postgres and SQLite. The CLI uses the same pass-through architecture; no transaction data is stored on our servers. Max also lets you query your transaction data in Claude Desktop through the SheetLink MCP server.

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 $49/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 keys: for the CLI and the MCP server
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 keys available right away in the dashboard
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 keys are deactivated, so scheduled CLI syncs and Claude access through the MCP server stop. Sheets and Excel output remain available.
Pro → Free: Limited to 1 bank connection (SheetLink keeps the bank synced most recently and disconnects the others, as described below); 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.

Bank connections on the Free plan

Near the end of each month, SheetLink disconnects Free plan banks that haven’t synced in the last 7 days, and keeps one bank per Free account: the one synced most recently. Banks connected within the last 7 days are left alone. Disconnecting removes the connection from Plaid and deletes its encrypted access token. Rows already in your spreadsheet stay, and you can connect the bank again at any time. Pro and Max connections are never disconnected this way.

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 4 hours
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 can query their transaction data in Claude Desktop through the SheetLink MCP server. Claude Desktop fetches your data from SheetLink with your API key and sends it to Anthropic as part of your conversation; SheetLink itself doesn’t send data to Anthropic. 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?

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