Expense Management Terms Scanner

Analyze expense platform terms for receipt data usage, corporate card liability, and what happens to your financial data.

Expensify SAP Concur Brex Ramp

Expense Platform Provisions I Check First

Your expense data reveals spending patterns. Know who can access it and what happens with your financial records.

Receipt Data Usage

High Risk

Your receipts may be used to train AI, build pricing databases, or sold as aggregated data. That's your spending intelligence.

Look for: Data usage rights, AI training policies, and third-party data sharing.

Corporate Card Personal Liability

High Risk

Corporate cards may include personal liability clauses. If the company doesn't pay, they could come after employees directly.

Look for: Personal liability, joint and several liability, and collection rights.

Reimbursement Timing

Medium Risk

Reimbursement timing depends on approval workflows, not platform guarantees. Processing can take weeks if approvers delay.

Look for: Reimbursement SLAs, approval dependencies, and payment timing.

Spending Limit Enforcement

Medium Risk

Spending limits may be soft caps that allow overspending. You could still be liable for charges exceeding your limit.

Look for: Limit enforcement methods, over-limit liability, and real-time controls.

Bank Connection Security

Medium Risk

Connecting bank accounts grants read access to transaction history. Know what data is pulled and how long it's retained.

Look for: Bank data scope, connection permissions, and revocation procedures.

Tax Record Retention

Medium Risk

IRS requires 7 years of records. If you cancel, expense history and receipts may become inaccessible before that period ends.

Look for: Data retention periods, post-cancellation access, and export options.

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