Terms of service — Expensify

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• Provider entity Report an error

  “These offerings are provided by Expensify, Inc. ("Expensify", "we", "us", or "our", which include our group and affiliated companies)”

• Last updated Report an error

  “Last updated: September 10, 2026”

• Scope Report an error

  “We provide expense management software, invoicing, bill processing, applications and other financial tools and services.”

• Workspaces Report an error

  “A Corporate Member's Account may host and administer one or more workspaces incorporating corporate policies, chat features, and intracompany payment features”

• Personal payments Report an error

  “The Expensify Service, via new.expensify.com, allows Members to track informal debts, expenses, and bills, by allowing Members to post debts and payments and notes about who they owe”

• Bill pay invoicing Report an error

  “In order to access Expensify's bill payment and invoice payment features on the Expensify Service (collectively, "Expensify Invoicing")”

• Concierge AI Report an error

  “Concierge may utilize data models trained by machine learning ("Concierge AI") as well as third party providers of Virtual Assistant Services, including but not limited to, OpenAI, L.L.C”

• Travel platform provider Report an error

  “The Travel Platform is provided by Spotnana Technology, Inc. ("Spotnana") and is subject to the Spotnana Terms of Service”

• Payroll service Report an error

  “Corporate Members in certain states can elect to enroll in Expensify's Payroll Service as part of their standard monthly subscription.”

• Karma program Report an error

  “As part of the Expensify Service, we provide a charitable offset program and feedback loop”

• Expensify lounge Report an error

  “individual Members may choose to visit the Expensify Lounge, when and where available, where Members can access community workspaces and free Wifi (defined below) along with complimentary drinks and snacks”

• Referral program Report an error

  “Expensify offers a referral program for its Corporate Members and individual Members who pay for an Expensify membership”

• Corporate card program Report an error

  “As part of the Expensify Service, individual Members may elect to receive a Card (which may require approval of a Corporate Member if such Card is connected to a Workspace)”

• Price change notice Report an error

  “Expensify reserves the right to change the prices for any service package with fifteen days' notice to you prior to the next billing cycle, unless otherwise set forth in a Statement of Work.”

• Non refundable Report an error

  “All fees paid for the Expensify Service are non-refundable and non-transferable except as expressly provided in these Terms of Service or Statement of Work.”

• Tax responsibility Report an error

  “You are solely responsible for the payment of, and shall pay when due, all applicable sales and use taxes and similar fees now in force, enacted or imposed in the future on the delivery of Expensify Service”

• No refunds partial periods Report an error

  “All fees and charges are nonrefundable, and there are no refunds or credits for partially-used periods.”

• Sow auto renew Report an error

  “will automatically renew for a successive one (1) year term following the end of each SOW Term, unless either party notifies the other, not less than ninety (90) days prior to the end of the then current SOW Term, of its intention not to renew.”

• Plaid UK agent Report an error

  “In order to connect a Linked Financial Account which is in the UK to the Expensify Service, we are an agent of Plaid Financial Ltd., an authorized payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718).”

• Travel spotnana Report an error

  “The Travel Platform is provided by Spotnana Technology, Inc. ("Spotnana")”

• Payments llc Report an error

  “Payment processing services for Members or Corporate Members, as the case may be, on the Expensify platform are provided by Expensify Payments LLC”

• Visa card issuer bancorp Report an error

  “The Expensify Visa® Commercial Card, issued by The Bancorp Bank, N.A.: Expensify Visa® Commercial Card Program Terms and Expensify Visa® Commercial Card Agreement”

• Card issuer sutton Report an error

  “The Expensify Card, issued by Sutton Bank: Corporate Card Program Terms and the Card Agreement”

• Ach terms Report an error

  “Corporate Members in the United States may link a business bank account to initiate reimbursement payments or otherwise participate in Expensify Invoicing or other payment-related services via the Automated Clearing House (ACH) Network.”

• Dispute arbitration Report an error

  “You agree to resolve any disputes by individual arbitration and to waive the right to participate in any kind of class action (See Section 9).”

• Warranties liability Report an error

  “You understand that we offer no warranties, and our liabilities are limited (See Section 8).”

• Terms modification Report an error

  “You understand that we may change these Terms of Service or any portion of the Expensify Service at any time.”

• Domain control Report an error

  “in certain circumstances where the Corporate Member has Domain Control, the Corporate Member may have authorization and access to administer certain advanced security settings, including the ability to delete your Account”

• Third party payment links Report an error

  “Some users will have access to other payment functions of other companies through links on the Site or Application. These links or API integrations will initiate a payment or request by pre-populating some information (such as email address, phone number, amount or notes)”

• Member data ownership Report an error

  “each individual Member shall retain all right, title and interest in and to (a) all Content transmitted by or on behalf of an individual Member to Expensify, Issuers, Card Networks, or Third-Party Service Providers”

• Travel booking Report an error

  “Expensify provides access to a travel platform that allows Members and Corporate Members to book reservations and other services as described on the Site.”

• Expensify org Report an error

  “Expensify.org is a California nonprofit public benefit corporation that provides a platform for individuals and entities to donate funds to various charitable initiatives and be reimbursed for expenses related to volunteer activities”

• Payroll subscription included Report an error

  “Corporate Members in certain states can elect to enroll in Expensify's Payroll Service as part of their standard monthly subscription.”

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