Corporate expense cards and management platforms handle sensitive financial data and company spending. We analyzed the terms of service from leading platforms to help businesses understand their rights.
Expense management platforms and corporate cards have become essential for modern business operations. These services control company spending, process employee reimbursements, and integrate with accounting systems. However, their terms of service often include broad data usage rights, financial transaction monitoring, and liability limitations that businesses should carefully consider before implementation.
| Platform | Score | Grade | Data Rights | Arbitration Required |
|---|---|---|---|---|
| Divvy Best in Category | 65 | B- | Moderate collection | Yes |
| Brex | 58 | C+ | Extensive collection | Yes |
| Ramp | 52 | C | Extensive collection | Yes |
| Expensify Lowest in Category | 45 | C- | Moderate collection | Yes |
Now part of Bill.com, offering expense management and corporate cards. Best ToS terms in category with clear policies.
Read Full Review →Corporate card and spend management for startups and enterprises. Extensive data collection for credit decisions and analytics.
Read Full Review →Corporate cards with automated expense management. Broad data usage rights and limited liability for transaction issues.
Read Full Review →Leading expense reporting platform with receipt scanning and approval workflows. Mandatory arbitration limits recourse options.
Read Full Review →Our analysis evaluates terms of service based on financial data protection, transaction liability, business integration requirements, account termination policies, and dispute resolution procedures. Expense platforms receive additional scrutiny for credit reporting practices and spending data usage.