Introduction
Welcome to Spendly! These Terms and Conditions ("Terms") govern your use of the Spendly mobile application and web services ("Service") operated by My Spendly ("Company", "we", "us", or "our"). By accessing or using our Service, you agree to be bound by these Terms.
Legal Entity: My Spendly is the legal business entity responsible for the Spendly application and all related services.
If you do not agree with any part of these Terms, you may not use our Service.
Acceptance of Terms
By creating an account and using Spendly, you confirm that:
- You are at least 13 years of age
- You have the legal capacity to enter into a binding agreement
- You will provide accurate and complete information
- You will comply with all applicable laws and regulations
- You are responsible for maintaining the security of your account
Account Registration
Account Responsibilities
Accurate Information:You must provide accurate, current, and complete information during registration
Account Security:You are responsible for maintaining the security of your Google account and any devices used to access Spendly
Unauthorized Access:You must notify us immediately of any unauthorized use of your account
One Account Per User:You may only create and maintain one account
Use of Service
Permitted Use
Spendly is designed for personal financial management. You may use the Service to:
- Track and categorize expenses and income
- Create and manage budgets and financial goals
- Organize finances by projects
- Upload and store receipt images
- Generate financial reports and analytics
- Sync data across your devices (Premium feature)
Prohibited Activities
You agree NOT to:
- • Use the Service for any illegal or unauthorized purpose
- • Violate any laws in your jurisdiction
- • Attempt to gain unauthorized access to our systems
- • Reverse engineer, decompile, or disassemble the application
- • Upload malicious code, viruses, or harmful content
- • Impersonate another person or entity
- • Scrape, harvest, or collect user data
- • Use the Service for commercial purposes without authorization
- • Share your account with others
Subscription and Payments
Free Plan
- • Core expense tracking features
- • Basic categorization
- • Monthly reports
- • 1 Project
- • 5 receipt uploads per month
- • Split Trip Expenses
- • No credit card required
Premium Plan - $4.99/month
- • Unlimited receipt uploads
- • Multi-currency support
- • Unlimited Projects
- • Unlimited custom categories
- • Advanced analytics
- • Export to CSV/PDF
- • Priority support
Payment Terms
- Payment Processing: Web payments are processed securely by Paddle.com, our authorized payment provider
- Billing Cycle: Premium subscriptions are billed monthly
- Auto-Renewal: Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period
- Cancellation: You may cancel your subscription at any time through your account settings
- Price Changes: We reserve the right to change pricing with 30 days notice to existing subscribers
Refund Policy
14-Day Money-Back Guarantee
We offer a 14-day unconditional money-back guarantee on all Premium subscriptions purchased through our website.
- • Full Refund: If you are not satisfied with your Premium subscription for any reason, you can request a full refund within 14 days of your purchase date.
- • No Questions Asked: We do not require any justification or reason for your refund request.
- • How to Request: Simply contact us at [email protected] with your purchase details, and we will process your refund promptly.
- • Processing Time: Refunds are typically processed within 5-10 business days and will be credited to your original payment method.
For purchases made through the Google Play Store or Apple App Store, refunds are subject to their respective refund policies.
Data Ownership and Privacy
Your Data Rights
- • You own your data: All financial records, expenses, and personal information you enter belong to you
- • Data Export: You can export your data at any time in CSV or PDF format
- • Data Deletion: You can delete your account and all associated data at any time
- • Privacy Protection: We never sell or share your personal financial data with third parties
For detailed information about how we collect and use your data, please review our Privacy Policy.
Intellectual Property
The Spendly application, including its design, features, code, and content, is owned by My Spendly and protected by copyright, trademark, and other intellectual property laws.
- You may not copy, modify, or create derivative works of our application
- The Spendly name, logo, and branding are trademarks of My Spendly
- User-generated content (your financial data) remains your property
- You grant us a limited license to process and store your data to provide the Service
Disclaimers and Limitations
⚠️ Important Disclaimers
- Financial Advice: Spendly is a tool for tracking expenses and budgets. It does not provide financial, investment, or tax advice. Consult a qualified professional for financial guidance.
- Accuracy: While we strive for accuracy, we do not guarantee that the Service will be error-free or uninterrupted. You are responsible for verifying your financial data.
- "As Is" Service: The Service is provided "as is" without warranties of any kind, express or implied.
- Data Backup: While we provide cloud backup features, you should maintain your own backups of important financial data.
Limitation of Liability
To the maximum extent permitted by law, My Spendly shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use the Service
- Any unauthorized access to or use of our servers and/or personal information
- Any interruption or cessation of transmission to or from the Service
- Any bugs, viruses, or harmful code transmitted through the Service
- Any errors or omissions in content or data
Termination
By You: You may terminate your account at any time by deleting it through the app settings or contacting support.
By Us: We reserve the right to suspend or terminate your account if:
- You violate these Terms and Conditions
- You engage in fraudulent or illegal activities
- Your account has been inactive for an extended period
- We are required to do so by law
Upon termination, your right to use the Service will immediately cease, and we may delete your data after a reasonable grace period.
Changes to These Terms
We reserve the right to modify these Terms at any time. We will notify users of material changes via:
- In-app notification
- Email notification (if provided)
- Update to the "Last updated" date at the top of this page
Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which My Spendly operates, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved through arbitration or in the courts of the applicable jurisdiction.
Contact Us
If you have any questions about these Terms and Conditions, please contact My Spendly:
- Company: My Spendly
- Email: [email protected]
- Support: Through the app's Help & Support section
- Website: myspendly.com
Agreement
By using Spendly, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.