Our commitment to transparency

Last updated: [Month, Year]

Welcome to Spendy (“we,” “our,” or “us”).
These Terms of Service (“Terms”) govern your access to and use of the Spendy website, mobile application, and related services (collectively, the “Service”).
By using Spendy, you agree to these Terms.

If you do not agree, please do not use the Service.

1. Use of the Service

You must be at least 16 years old to use Spendy.
You agree to use the Service only for lawful purposes and in accordance with these Terms.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2. Account Registration

To access certain features, you may be required to create an account.
You agree to provide accurate, current, and complete information during registration and to update it when necessary.
We reserve the right to suspend or terminate your account if any information is false, misleading, or violates these Terms.

3. Free and Paid Plans

Spendy offers both free and paid subscription options.
The free plan may include advertisements and limited functionality.
By subscribing to a paid plan, you agree to pay the fees specified at the time of purchase.
All payments are processed securely via our third-party payment provider.

Subscription renewals occur automatically unless canceled before the renewal date.
You can manage or cancel your subscription anytime within your account settings.

4. Privacy and Data Protection

Your privacy is important to us.
We process your personal data in accordance with our Privacy Policy, which explains how we collect, use, and protect your information.
By using Spendy, you consent to the processing of your data as described in that policy.

5. Intellectual Property

All materials within Spendy — including logos, brand elements, text, graphics, and interface design — are owned or licensed by Spendy and are protected by copyright and trademark laws.
You may not copy, modify, or distribute any part of the Service without our written permission.

6. User Content

You may input personal financial data into the Service.
You retain ownership of your data, but by using the Service you grant us a non-exclusive, worldwide license to store and process this data solely for the purpose of providing the Service.
We do not sell or share user data with third parties for marketing purposes.

7. Limitations of Liability

Spendy is provided “as is.”
We do not guarantee uninterrupted access, accuracy, or completeness of the Service.
To the fullest extent permitted by law, Spendy is not liable for any indirect, incidental, or consequential damages resulting from your use of the Service.

8. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that violates these Terms or is harmful to other users or to us.
You may delete your account at any time through your account settings.

9. Changes to the Terms

We may update these Terms occasionally.
When we do, we’ll update the “Last updated” date at the top of this page.
Your continued use of the Service after such changes means you accept the revised Terms.

10. Contact Us

If you have any questions about these Terms, please contact us at:
📧 legal@spendy.com