Last updated July 21, 2026.
This Disclaimer (the “Disclaimer”) describes the nature, limitations, and intended use of the ExpenseGhost service (the “Service”) operated by ExpenseGhost Labs, Inc. (“ExpenseGhost,” “we,” “our,” or “us”). It is a long-form companion to the consent text presented at points of action within the Service (for example, when you download a tax export, generate an estimate, or accept an automated categorization). It is incorporated by reference into, and forms a binding part of, our Terms of Service and Privacy Policy.
By accessing or using any feature of the Service, including by downloading any export, viewing any estimate, or relying on any automated suggestion, you acknowledge that you have read, understood, and accepted this Disclaimer.
ExpenseGhost is a software-as-a-service technology platform that helps individuals and organizations capture receipts, synchronize bank and card transactions through Plaid, classify expenses against IRS Schedule C and related tax frameworks, and produce tax-shaped summaries that can be reviewed by a qualified tax professional or used as a starting point for self-filing. The Service consists of automated extraction, classification, calculation, and presentation tools backed by machine-learning models, rule-based heuristics, and structured datasets.
ExpenseGhost is not, and these communications, outputs, and calculations do not constitute or substitute for, any of the following:
Every figure produced by the Service — including quarterly tax estimates, year-to-date projections, deduction calculations, set-aside guidance, Schedule C line totals, Form 1065, Form 1120-S, and Form 1120 summaries, profit-and-loss reports, and trial balances — is an estimate derived from the data you have connected, the categorizations applied (whether automatically or manually), and the rules in force at the time of calculation. Estimates may materially differ from your actual tax liability or actual financial position for reasons including, without limitation:
Tax exports are watermarked “DRAFT” to make this character explicit on the face of the document. You agree not to remove, obscure, or otherwise alter the watermark or any accompanying disclaimer text.
The Service uses machine-learning models, rule-based classifiers, and third-party large language models (including those operated by Anthropic) to extract data from receipts, classify transactions, suggest categories, summarize content, and generate exports (collectively, “AI Outputs”). AI Outputs are generated probabilistically and may contain errors, omissions, or hallucinated content, including incorrect dates, amounts, merchant names, categories, or tax treatments. AI Outputs are provided as suggestions for your review; they are not determinations of deductibility, accuracy, completeness, authenticity, or compliance.
You are solely responsible for reviewing, verifying, correcting, and validating every AI Output before relying on it for any business, accounting, tax, legal, or other purpose. We do not warrant that AI Outputs are fit for any particular purpose, suitable as evidence of any tax position, or sufficient to satisfy any recordkeeping, substantiation, or audit requirement under applicable law.
ExpenseGhost does not use your transactions, receipts, or other financial data to train artificial-intelligence or machine-learning models, and does not sell or share that data. It is disclosed only to the service providers that Process it on our behalf to operate the Service. How we collect, use, retain, and disclose your information is described in our Privacy Policy.
Whether you self-file or engage a licensed tax professional, you are solely responsible for:
Because the inputs underlying any output of the Service may change between sessions, we obtain a fresh consent each time you take a sensitive action, including each tax-export download. Consent is per-action and is not retained from one session to the next. The dialog presents the verbatim disclaimer text in force at that moment, and the action does not proceed until you affirmatively indicate acceptance.
For each such action, we record the timestamp, the user account, the action type and parameters (for example, the export type and tax year), the IP address and browser identifier from which the action was taken, and a cryptographic hash of the disclaimer text shown. We retain this audit record for the periods described in our Privacy Policy as a forensic record of what was presented and what was accepted. We do not use the audit record for marketing purposes.
Where you elect to e-file Form 1099-NEC through the Service, ExpenseGhost transmits the return to the Internal Revenue Service electronically through TaxBandits, an IRS-authorized e-file transmitter operated by Span Enterprises LLC. ExpenseGhost and TaxBandits act solely as transmitters of the information you provide. You remain the filer and payer of record. The obligation to file a correct and complete information return, and any liability for failing to do so, rests with you.
Before you authorize a filing, we ask you to confirm that each recipient’s taxpayer identification number (TIN) has been verified. A “verified” indication in the Service reflects an automated check (for example, a TIN match request against IRS records or the details on a collected Form W-9) performed at a point in time. It is not a guarantee that a name/TIN combination is correct, current, or free of the backup-withholding or penalty consequences that follow an incorrect return. You are responsible for collecting a Form W-9, for exercising reasonable diligence as to each TIN, and for the accuracy of the payer information, recipient information, and dollar amounts on every return you submit.
An e-filing is a real submission to the IRS. Once a return has been transmitted and accepted, it cannot be withdrawn or “unfiled”; an error can be addressed only by transmitting a corrected return, which may incur additional per-form charges and does not eliminate any penalty already triggered. Per-form filing fees, if applicable to your plan, are disclosed at the point of filing and are billed whether or not you later file a correction; rejected forms are not charged. You are responsible for meeting the applicable filing deadline (for Form 1099-NEC, generally January 31), for furnishing recipient copies, and for any penalties under Internal Revenue Code §§ 6721 and 6722 or analogous state provisions arising from a late, incorrect, or incomplete filing. E-filing remains subject to the eligibility and identity-verification controls described in your account, and to the availability of our e-file transmitter and the IRS electronic filing system, which may be unavailable during maintenance windows or annual filing-season cutovers. We do not guarantee that a filing submitted close to a deadline will be transmitted or accepted before that deadline passes.
You agree that you will not file any tax return, make any tax payment, settle any dispute, enter into any contract, or take any other legally significant action in sole reliance on any output of the Service. You will obtain independent review by a qualified, licensed professional appropriate to the matter (for example, a CPA or EA for tax questions; a licensed attorney for legal questions) before taking any such action. Use of the Service does not establish, and you will not represent that the Service or ExpenseGhost establishes, any preparer-client, attorney-client, fiduciary, or other professional relationship.
The Internal Revenue Service maintains a public directory of credentialed return preparers, searchable by ZIP code and credential type, at irs.treasury.gov/rpo/rpo.jsf. The American Institute of Certified Public Accountants (AICPA) and state CPA societies maintain analogous directories. Most credentialed preparers are willing to use a tax-shaped export from the Service as a starting point and to make any corrections required by your specific circumstances.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EXPENSEGHOST AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY TAX PENALTIES, INTEREST, ADDITIONAL TAX ASSESSMENTS, AUDIT COSTS, PROFESSIONAL FEES, LOST DEDUCTIONS, OR OTHER COSTS, LOSSES, OR DAMAGES ARISING FROM YOUR USE OF OR RELIANCE ON ANY OUTPUT OF THE SERVICE, INCLUDING ANY ESTIMATE, CATEGORIZATION, EXPORT, OR AI OUTPUT. YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF YOUR FILINGS, RECORDS, AND BUSINESS DECISIONS. THE LIMITATIONS AND EXCLUSIONS OF LIABILITY SET FORTH IN OUR TERMS OF SERVICE ARE INCORPORATED HEREIN BY REFERENCE AND APPLY IN FULL.
We may update this Disclaimer from time to time to reflect changes in the Service, applicable law, or our internal practices. The “Last Updated” date at the top indicates when this Disclaimer was last revised. Material changes will be communicated as described in our Terms of Service. The cryptographic hash recorded against historical actions references the version of the disclaimer text in force at the time of each action; this Disclaimer supersedes prior versions only with respect to actions taken on or after the effective date.
For questions about this Disclaimer or about the limitations of any feature of the Service:
General inquiries: hello@expenseghost.app
Legal notices: legal@expenseghost.app
Company: ExpenseGhost Labs, Inc.