Terms of Service 📋

Agreement to Terms 🤝

By accessing or using Spendal's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

Description of Service 📱

Spendal provides financial management software and services including:

• • Personal and business expense tracking
• • Income and revenue management
• • Budget planning and monitoring
• • Receipt scanning and categorization
• • Financial reporting and analytics
• • Bank account integration (where available)

We reserve the right to modify, suspend, or discontinue any part of our service at any time with reasonable notice.

User Accounts & Registration 👤

Account Creation

• • You must be at least 18 years old to create an account
• • You must provide accurate and complete information
• • You are responsible for maintaining account security
• • One person or entity per account

Account Security

• • Keep your password secure and confidential
• • Enable two-factor authentication when available
• • Notify us immediately of any security breaches
• • You are responsible for all activity under your account

Account Termination

You may close your account at any time. We may suspend or terminate accounts that violate these terms or for legal or business reasons.

Acceptable Use Policy ✅

Permitted Uses

• • Personal financial management
• • Business expense tracking
• • Legitimate financial analysis
• • Educational purposes

Prohibited Activities

• • Fraudulent or illegal financial activities
• • Money laundering or tax evasion
• • Sharing accounts or login credentials
• • Reverse engineering or hacking attempts
• • Excessive automated requests or scraping
• • Uploading malicious content or viruses

Payment Terms 💳

Subscription Plans

• • Free plan: No payment required
• • Paid plans: Monthly or annual billing
• • Prices are displayed in USD
• • All fees are non-refundable except as stated

Billing & Refunds

• • Automatic renewal unless cancelled
• • 30-day money-back guarantee for new subscribers
• • Pro-rated refunds for service downtime
• • Price changes with 30-day notice

Free Trial

Free trials are available for eligible plans. Your trial will automatically convert to a paid subscription unless cancelled before the trial ends.

Data & Privacy 🔒

Your use of our services is also governed by our Privacy Policy, which is incorporated into these terms by reference. Key points:

• • You retain ownership of your financial data
• • We implement bank-level security measures
• • We never sell your personal information
• • You can export or delete your data at any time

You represent that you have the right to share any financial data you upload to our platform.

Intellectual Property 🧠

Our IP Rights

Spendal and its services are protected by copyright, trademark, and other intellectual property laws. This includes:

• • Software, code, and algorithms
• • User interface and design
• • Trademarks and branding
• • Documentation and content

Your Content

You retain ownership of any content you upload. By using our service, you grant us a limited license to store, process, and display your content as necessary to provide our services.

Disclaimers & Limitations ⚠️

Service Availability

• • Services are provided "as is" and "as available"
• • We don't guarantee 100% uptime
• • Features may change or be discontinued
• • Performance may vary by device and connection

Financial Advice Disclaimer

Limitation of Liability

To the fullest extent permitted by law, Spendal shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Third-Party Integrations 🔗

Our service may integrate with third-party financial institutions and services:

• • Bank and credit card connections
• • Payment processors
• • Financial data providers
• • Cloud storage services

These integrations are subject to the third parties' own terms and policies. We are not responsible for their services or any issues arising from their use.

Indemnification 🛡️

You agree to indemnify and hold Spendal harmless from any claims, damages, or expenses arising from:

• • Your use of our services
• • Your violation of these terms
• • Your violation of any third-party rights
• • Any content you upload or share

Governing Law & Disputes ⚖️

Applicable Law

These terms are governed by the laws of [Jurisdiction], without regard to conflict of law principles.

Dispute Resolution

• • First contact our support team
• • Mediation before litigation
• • Arbitration for claims under $10,000
• • Class action waiver

Changes to Terms 📝

We may modify these terms from time to time. When we make material changes:

• • We'll notify you via email or in-app notification
• • Changes take effect 30 days after notification
• • Continued use constitutes acceptance
• • You may terminate if you disagree