The terms governing your use of Enhance Finance.
Last updated: June 23, 2026By purchasing, copying, accessing, or using Enhance Finance (the "Product"), you ("you," "your," or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not purchase or use the Product.
These Terms constitute a legally binding agreement between you and Enhance Finance Inc. ("Enhance Finance," "we," "us," "our," or "Company"), a corporation incorporated under the laws of Canada.
These Terms apply to the Enhance Finance Google Sheets template, all associated Google Apps Scripts, AI-powered features, the Enhance Finance website (enhancefinance.ca), and any related services.
Enhance Finance is a personal finance tracking system delivered as a Google Sheets template. The Product provides automated transaction importing, rule-based and AI-powered categorization, dashboards, merchant insights, and yearly budgeting tools.
The Product is delivered as a Google Sheets file. Upon purchase, you receive a link to make a copy of the template to your own Google Drive. The Product requires a free Google account and access to Google Sheets to function.
The Product is available in multiple tiers, some of which include AI-powered features and some of which do not. The specific features included in your purchase depend on the tier selected at the time of purchase. We reserve the right to modify, update, add, or discontinue any features of the Product at any time, with or without notice. We will use reasonable efforts to notify you of material changes.
You may not:
Enhance Finance is sold through the Etsy marketplace. All purchases are processed by Etsy in accordance with Etsy's own terms of service, payment processing policies, and buyer protection programs.
Upon completed purchase, you will receive a digital download containing a link to copy the Enhance Finance template to your Google Drive. Delivery is instant and automated through Etsy's digital delivery system.
Prices are listed in US Dollars (USD). Applicable taxes are calculated and collected by Etsy at the time of checkout based on your jurisdiction.
We reserve the right to modify pricing at any time. Price changes will not affect existing purchases or active license keys.
AI-enabled product versions include one (1) License Key that provides access to AI Features for a period of one (1) year from the date of activation. The license key is tied to a single Google account and a single copy of the Enhance Finance spreadsheet.
Before AI Features can be used, you must:
For a detailed explanation of why this disclosure is required, see our AI Disclosure & Consent page.
After the initial one-year period, AI Features may be renewed at the then-current annual renewal price as posted on our website (enhancefinance.ca). Renewal is entirely optional. If you choose not to renew:
We offer a money-back guarantee on all Enhance Finance purchases for the period specified on our Etsy listing or website at the time of purchase (currently 7 calendar days). If you are not satisfied with the Product for any reason, you may request a full refund within that period from the original purchase date.
Contact us through Etsy Messages or our contact page within 7 days of purchase. Include your Etsy order number. Refunds are processed through Etsy's refund system and typically appear within 3–5 business days.
Annual AI license key renewals are non-refundable once the renewal key has been activated. You may contact us before activating a renewal key to request a refund.
You agree to use Enhance Finance solely for lawful personal finance management purposes. The Product is not designed or intended to collect, store, process, or transmit personal health information (as defined under applicable privacy legislation, including Ontario's Personal Health Information Protection Act, 2004), and you agree not to use the Product for any such purpose. You may not:
Violation of acceptable use terms may result in revocation of your license key without refund, at our sole discretion.
The Enhance Finance name, logo (four-leaf clover design), branding, website content, spreadsheet design, Google Apps Script code, formulas, and all associated documentation are the intellectual property of Enhance Finance Inc. and are protected by applicable copyright, trademark, and intellectual property laws.
The Product may include third-party components (Google Sheets, Google Apps Script, Anthropic Claude API) that are subject to their own terms and licenses. Your use of these components is governed by their respective terms.
User-generated content (your financial data, custom categories, notes, and modifications to your copy) remains your intellectual property.
Enhance Finance operates within Google Sheets and depends on Google's platform and services. You acknowledge that:
We will make reasonable efforts to update the Product in response to platform changes, but we cannot guarantee compatibility with all future changes to third-party services.
THE PRODUCT IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ENHANCE FINANCE INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PRODUCT. WITHOUT LIMITING THE FOREGOING, ENHANCE FINANCE INC. SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM THE ACTS, OMISSIONS, OUTAGES, DATA HANDLING PRACTICES, OR FAILURES OF ANY THIRD-PARTY SERVICE PROVIDER, INCLUDING BUT NOT LIMITED TO GOOGLE, ANTHROPIC, CLOUDFLARE, META, OR ETSY.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PRODUCT SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID FOR THE PRODUCT IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) FIFTY US DOLLARS ($50 USD). TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE PRODUCT MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CLAIM IS PERMANENTLY BARRED.
Nothing in this Section excludes, restricts, or limits any rights, warranties, or remedies you may have under applicable consumer protection legislation (including Ontario's Consumer Protection Act, 2002) that cannot lawfully be excluded or limited by contract. Where such legislation applies, the disclaimers and limitations in this Section apply only to the maximum extent permitted by that legislation. You agree to take all reasonable steps to mitigate any loss or damage arising from your use of the Product.
AI-powered categorization and spending analysis are generated by a third-party artificial intelligence system (Anthropic Claude). AI outputs may contain inaccuracies, misclassifications, or errors — sometimes with complete confidence. You are solely responsible for reviewing and verifying all AI-generated outputs before relying on them for any purpose. AI Features are provided as a convenience tool, not as a substitute for your own judgment or professional guidance. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ENHANCE FINANCE INC. ACCEPTS NO LIABILITY WHATSOEVER FOR ANY AI-GENERATED OUTPUT, INCLUDING ANY INACCURACY, ERROR, OR OMISSION CONTAINED THEREIN.
The Product is a personal finance tracking and budgeting tool designed to help you organize and visualize your own data. All outputs, observations, and analysis are informational and educational in nature only. You should:
Neither Enhance Finance Inc. nor any of its officers, directors, or employees is registered as a financial advisor, investment advisor, tax preparer, or any other regulated professional services provider in any jurisdiction.
You agree to indemnify, defend, and hold harmless Enhance Finance Inc., its officers, directors, employees, shareholders, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable legal fees) arising from:
You may stop using the Product at any time by deleting your copy of the spreadsheet and removing your license key. No notice to us is required.
We may revoke your AI license key if you materially violate these Terms, including but not limited to redistribution of the Product, sharing of license keys, or abusive use of AI Features. For violations other than redistribution or sharing of the Product or license keys, we will provide written notice and a seven (7) day cure period before revocation. We will make reasonable efforts to notify you before revocation, except in cases of severe or urgent violations (such as redistribution or key sharing), where revocation may be immediate.
Upon termination of your AI license key:
We reserve the right to update or modify these Terms, the Privacy Policy, and the AI Disclosure & Consent at any time. When we make changes to any of these documents, we will update the "Last updated" date at the top of the applicable document and post a notice on our website (enhancefinance.ca) indicating that one or more of these documents has been updated.
For material changes that significantly affect your rights or obligations, we will make reasonable efforts to notify you by email (if we have your email address) or by posting a prominent notice on our website at least 14 days before the changes take effect. Non-material changes (such as corrections, clarifications, formatting updates, or updated third-party service provider names) may take effect immediately upon posting.
Your continued use of the Product after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you may stop using the Product.
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, and the laws of Canada applicable therein, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these Terms or the Product shall first be attempted to be resolved through good-faith negotiation between the parties. If a dispute cannot be resolved through negotiation within 30 days, either party may pursue resolution through the courts of the Province of Ontario, Canada, and you consent to the exclusive jurisdiction of such courts. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY CLAIM OR DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OR THE PRODUCT SHALL BE BROUGHT SOLELY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
Nothing in this section limits your rights under applicable consumer protection laws in your jurisdiction that cannot be waived or limited by contract.
The Product is offered and intended for residents of Canada (excluding the Province of Quebec) and the United States. We do not offer, market, or target the Product to residents of Quebec, and the Product is not intended for use by Quebec residents. By purchasing or using the Product, you represent and warrant that you are not acquiring or using it as a resident of Quebec. If you are a Quebec resident, you should not purchase or use the Product.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent. Any hyperlink or URL referenced in these Terms, the Privacy Policy, or the AI Disclosure & Consent that becomes broken, expired, inaccessible, or otherwise non-functional shall not affect the validity, enforceability, or interpretation of any provision of those documents, and the underlying obligations and rights set out therein shall remain in full force and effect regardless of the availability of any linked content. These Terms, together with the Privacy Policy and AI Disclosure & Consent, constitute the entire agreement between you and Enhance Finance Inc. with respect to the Product and supersede all prior or contemporaneous communications and proposals.
For questions about these Terms of Service, please contact us at hello@enhancefinance.ca. You can also reach us through Etsy Messages on our shop page. We typically respond within 24–48 hours.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or delegate these Terms and our rights and obligations, in whole or in part, without notice to or consent from you, including to any subsidiary, affiliate, successor, or purchaser of all or substantially all of the assets or business of Enhance Finance Inc. These Terms bind and benefit the parties and their permitted successors and assigns.