The deal, in plain English.
By using Avows you agree to these terms. If you don't, that's fine — don't use the app. We tried to keep this short. The 90-second version is in the boxes below; the rest is the legalese version of the same thing.
What Avows does
Avows is a browser-based receipt vault that classifies HSA / FSA line items against IRS Publication 502 using Google Gemini. It also generates Letter of Medical Necessity drafts, exports tax-time PDFs, and (Cloud tier) syncs receipts across your devices.
Not advice
Nothing in Avows is legal, tax, medical, or financial advice. The eligibility classifications are AI-generated guesses grounded in Pub 502 and the IRS Notices it references — they're useful, not authoritative. Plans vary, and your plan administrator's word always wins. Confirm before submitting any reimbursement claim.
Your account, your data
- You own the receipts and LMNs you upload. We don't claim any rights over them.
- You're responsible for keeping your Google account, your Gemini API key (if you BYOK), and any export files secure.
- If you delete a receipt or your account, the data is gone — we don't keep a hidden backup.
Free tier and paid plans
- Free tier: First 5 receipts at no cost, no card required, no time limit.
- BYO ($2 / month or $19 / year): Unlimited receipts, your Drive, your Gemini key.
- Cloud ($6 / month or $49 / year): Unlimited receipts, our Gemini key, up to 5 GB of receipt storage on our infrastructure.
- Subscriptions auto-renew until you cancel. You can cancel anytime in Buy Me a Coffee, and you keep access through the end of the billing period.
- Refunds: within 14 days of the most recent charge, no questions, email [email protected]. After 14 days, we usually still help — just ask.
- Prices may change with 30 days' notice for existing subscribers.
Acceptable use
- Don't try to break into other users' accounts, the storage backends, or our infrastructure.
- Don't use Avows to launder receipts that aren't yours, or to claim ineligible expenses you know are ineligible. That's your fraud, not ours.
- Don't scrape or rebrand the app. Use it as a tool; don't try to resell it.
Service availability
We aim for the app to "just work" but make no uptime guarantees. Avows is a small operation; if Cloudflare or Google Drive or Google Gemini has an outage, you may see degraded service. Browser-only mode (device backend) keeps working without internet for everything except the AI classifier.
Changes to the service
We may add or remove features. If we remove a feature you actively use, we'll give 30 days' notice and a way to export your data first. If we shut down entirely (god forbid), we'll give 60 days' notice and a final export window.
Liability
To the maximum extent the law allows, Avows is provided "as is." We're not liable for indirect or consequential damages, lost reimbursement opportunities, or any amount above what you've paid us in the prior 12 months. If you live somewhere that doesn't allow these limitations, the strictest version your law allows applies.
Termination
You can stop using Avows anytime. We may suspend an account that violates these terms (specifically the acceptable-use list). Either way, your data export remains available for at least 30 days after termination — email us if you need it.
Governing law
These terms are governed by the laws of the State of Delaware, USA, excluding its conflict-of-law rules. Any dispute we can't resolve by talking gets settled in Delaware courts. (If you're outside the US, your local consumer-protection laws still apply where they grant stronger rights.)
Contact
[email protected] for anything not covered. We read every email.