Last Updated: January 2025
By accessing or using Spendless (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.
TL;DR: Use Spendless responsibly, respect our intellectual property, and we'll provide you with a great mindful spending tracker. We're not liable for financial decisions you make based on your data.
Spendless is a mindful spending tracker Progressive Web App (PWA) that helps you:
Important: Spendless is a tracking tool, not financial advice. We do not provide investment, tax, legal, or accounting advice.
You must be at least 13 years old to use Spendless. If you are under 18, you must have permission from a parent or legal guardian.
By using the Service, you represent and warrant that:
To use certain features, you must create an account. You agree to:
You are solely responsible for maintaining the confidentiality of your account credentials. We are not liable for any loss or damage resulting from unauthorized access to your account.
You may delete your account at any time through the app settings. We reserve the right to suspend or terminate accounts that violate these Terms.
You may use Spendless for personal, non-commercial purposes to track your own spending.
You agree NOT to:
You retain all ownership rights to the financial data you input into Spendless (transactions, categories, notes, etc.). We do not claim ownership of your content.
By using Spendless, you grant us a limited license to store, process, and display your data solely to provide the Service to you. This license terminates when you delete your account.
You are solely responsible for the accuracy and legality of the data you input. We do not verify, endorse, or take responsibility for user-generated content.
Spendless offers a free tier with limited features (1 month history, basic reports). No payment is required for the free tier.
Premium features require a paid subscription. Pricing is displayed on our website and in the app.
We may change prices with 30 days' notice. Price changes do not affect current subscribers until their next renewal.
Spendless and all content, features, and functionality (including design, code, text, graphics, logos) are owned by us and protected by copyright, trademark, and other intellectual property laws.
The Spendless name, logo, and related marks are our trademarks. You may not use them without written permission.
We grant you a limited, non-exclusive, non-transferable license to access and use Spendless for your personal use. This license does not include:
Spendless may integrate with third-party services:
These services have their own terms and privacy policies. We are not responsible for third-party services.
IMPORTANT: Spendless is a spending tracker, not a financial advisor. We do not provide financial, investment, tax, or legal advice. Any insights or reports are for informational purposes only. Consult a qualified professional for financial advice.
The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:
To the maximum extent permitted by law, we shall not be liable for:
Our total liability to you for all claims shall not exceed the amount you paid us in the past 12 months (or $100 if you used only the free tier).
We strive for accuracy but do not guarantee that the Service is error-free. You are responsible for verifying the accuracy of your data and reports.
You agree to indemnify, defend, and hold harmless Spendless, its affiliates, and employees from any claims, damages, losses, or expenses (including legal fees) arising from:
While we implement backup systems, we are not liable for data loss. You are responsible for:
We recommend exporting your data regularly using the built-in export feature (CSV/JSON).
We may update, modify, or discontinue features at any time without notice. We will make reasonable efforts to notify users of significant changes.
We do not guarantee uninterrupted access. The Service may be unavailable due to maintenance, upgrades, or technical issues.
We reserve the right to discontinue the Service. We will provide 90 days' notice and allow you to export your data.
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your data. By using Spendless, you agree to our Privacy Policy.
These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.
Before filing a claim, please contact us at hello@spendless.app to resolve the issue informally. We'll work in good faith to resolve disputes.
Any disputes not resolved informally shall be resolved through binding arbitration in accordance with [Arbitration Rules]. You waive your right to a jury trial or class action lawsuit.
Either party may seek injunctive relief in court for intellectual property violations or confidentiality breaches.
You may terminate your account at any time by deleting it through the app settings. Your data will be permanently deleted within 30 days.
We may suspend or terminate your account if you:
We will provide notice when practical, but immediate termination may occur for serious violations.
Upon termination:
Spendless is operated from [Your Country]. If you access the Service from outside [Your Country], you are responsible for compliance with local laws.
We make no representation that the Service is appropriate or available for use in all locations.
Spendless is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you are a parent and believe your child has provided us with personal information, please contact us immediately.
We may update these Terms from time to time. We will:
Continued use of Spendless after changes take effect means you accept the updated Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Spendless regarding the Service and supersede all prior agreements.
You may not assign or transfer these Terms without our written consent. We may assign these Terms to any affiliate or successor without your consent.
Our failure to enforce any provision of these Terms does not waive our right to enforce it later. Any waiver must be in writing and signed by us.
If you have questions about these Terms or need to contact us:
By using Spendless, you agree to these Terms of Service.
Thank you for choosing Spendless for your mindful spending journey.
