THE RULES. PLAIN AND SIMPLE.

Heaven or Hell is a free tool that analyzes your bank statement using AI and gives you a financial score, a roast, and some badges. Here's what that means — and what it doesn't.

This one matters. Read it.

• Don't make significant financial decisions based solely on your score.
• Don't treat the AI's tips as a personalised investment strategy.
• Don't use your results as evidence in any legal or financial dispute.
• Do use it as a starting point for reflection — then talk to an actual professional if you need real advice.

Your results are produced by Claude, Anthropic's large language model. Here's what that means in practice:

• The analysis is probabilistic — it identifies patterns, not absolute truths. The AI can be wrong.
• Roasts and verdicts are generated text. They're meant to be amusing and directionally accurate, not literal assessments of your character.
• Badge assignments and scores are based on the AI's interpretation of your data. Two similar statements could produce slightly different scores.
• Currency detection is automated — if the AI misidentifies your currency, the roast may be off.

We do our best to prompt the AI for consistent, fair outputs — but we can't guarantee perfection.

Fair use rules. Short version: use it as intended, don't abuse it.

We built this to work well, but we can't promise it always will.

• Accuracy: AI outputs can be inaccurate, biased, or inconsistent. We don't guarantee the score reflects your true financial situation.
• Availability: The service may go down, be slow, or be unavailable without notice. We'll fix it, but we can't guarantee uptime.
• File compatibility: We support common PDF and CSV formats. We don't guarantee every bank's export format will parse perfectly.
• Results persistence: Since nothing is stored server-side, results accessed via email links will break if we change the encoding format in future.

In plain English: the service is provided "as is." We'll always try to make it better, but use it knowing these limitations exist.

• The Heaven or Hell name, logo, score system, badge designs, and roast format are ours.
• Your financial data is yours. We don't claim any rights to it — ever.
• You're free to screenshot and share your results. That's literally the point.
• Don't clone the service, rebrand it, and pass it off as your own product.

We're a small product and things will evolve.

• We may update, add, or remove features at any time without prior notice.
• We may update these Terms. When we do, the "Last updated" date at the top changes. Continuing to use the service means you're okay with the new terms.
• If we ever shut down, we'll make a reasonable effort to give notice — but we can't guarantee continuity.
• If something changes in a way that materially affects how your data is handled, we'll call it out explicitly in an update.

These terms are governed by the laws of Sri Lanka. If there's ever a dispute (unlikely, but here we are), we'd both rather sort it out directly before involving lawyers. Email us first.

If you're accessing this service from outside Sri Lanka, you're responsible for ensuring your use complies with your local laws — especially around financial data and privacy.

See Also