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Terms of Service

Last updated 2026-10-19.

Buygent compares the transactions your bank supplies with the receipts your AI agent records and flags the charges that don't match. It cannot block a payment or promise a refund.

Status of these terms

Draft - not yet approved for live publication

Buygent currently runs in test mode with Plaid Sandbox test banks and Stripe test billing; no real money moves. These terms are a draft pending owner and counsel review and may change before real bank linking opens.

What Buygent does

You give your agent your own card or account outside Buygent and link that account to Buygent through Plaid, read-only. Your agent records each purchase as a receipt. Buygent matches the bank's transactions to those receipts, raises an alert for a charge that has no receipt, does not match it, or breaks a rule you set, and helps you follow up with the merchant.

  • Buygent never moves money, never sees your bank password or full card number, and cannot decline, stop or reverse a charge. To stop payments, use your card issuer's lock, limits or card controls.
  • A policy check your agent asks for is advice to a cooperating agent. It does not bind the agent, the merchant or your bank.
  • Alerts follow your bank's reports. Banks usually report charges a few times a day, sometimes later, so an alert can arrive hours or days after a purchase. A connection that stops updating is shown as stale, never as all clear.
  • Matching is conservative. A charge that differs from its receipt (for example a tip, a currency conversion or a split shipment) may stay open for you to review.

Plan, trial and renewal

$4/month or $36/year, after a 14-day free trial (once per person). Your account includes 3 bank connections (Plaid Items) in total; you can connect any number of agents.

A card is required to start the trial. Unless you cancel before the trial ends, the plan you chose starts and renews automatically each month or year at the price shown at checkout until you cancel. Details, including cancellation and missed payments, are in Subscription and auto-renewal.

Cases, merchant requests and disputes

For a flagged charge you can open a case. Buygent drafts a message to the merchant from the recorded facts. Your agent may send that exact message only after you give consent for that one case, and only once; you can withdraw consent before it is sent.

The merchant decides whether to cancel or refund; Buygent cannot promise an outcome. A purchase your agent was allowed to make is your responsibility. A card dispute is only for a merchant error: it never arrived, it is not as described, you were charged twice or a different amount than shown, or you were billed after cancelling. Buygent shows card-issuer guidance only after you confirm a merchant error.

Your rights

Nothing in these terms limits any right you have under the law that applies to you, including rights against your card issuer or the merchant.

Contact

Questions go to support@buygent.io. Related pages: Privacy Policy, Refund policy and Subscription and auto-renewal.