Terms of service
Last updated 7 November 2026
These terms are an agreement between you and Builder Operating System Limited, which operates Sift. By creating an account you agree to them.
What Sift does
Sift reads bank statements you provide and organises the information to help you understand your finances. Sift is an information tool. It is not a bank, does not hold or move money, and does not give regulated financial, investment, tax or legal advice.
Your account
- You must be at least 18 and give accurate details.
- Keep your password safe. You're responsible for activity on your account.
- Only upload statements for accounts you own or are authorised to use.
Your data
Your financial data is stored on your device, not on our servers. You are responsible for keeping backups. We can't recover data that is deleted from your device. See our privacy policy for details.
Accuracy
Sift checks each statement against the totals your bank prints, but bank layouts change and automatic categories can be wrong. Always rely on your bank's own records for important decisions. AI answers from Ask Sift may contain mistakes.
Ask Sift credits
- Ask Sift is a paid feature sold in one-time packs of credits. One question uses one credit.
- Credits don't expire while your account is open, have no cash value and can't be transferred.
- We may set fair-use limits to protect the service. Refunds are covered by our refund policy.
Acceptable use
Don't misuse Sift: no attempts to break, overload or reverse-engineer the service, and no use for fraud or anything unlawful.
Liability
Sift is provided "as is". To the extent the law allows, we aren't liable for indirect losses or for decisions you make based on Sift, and our total liability is limited to the amount you paid us in the 12 months before the claim.
Changes and ending
We may update these terms and will tell you about important changes. You can delete your account at any time. We may suspend accounts that break these terms. These terms are governed by the laws of the Federal Republic of Nigeria.