Effective Date: 30/03/25

1. Acceptance of Terms

Welcome to Spendo (the “Service,” “we,” “us,” or “our”). By creating an account or otherwise accessing or using our Service, you agree to be bound by these Terms of Service (the “Terms”). If you do not agree to these Terms, you may not use our Service.

2. Description of the Service

The Service provides users with budgeting tools, financial insights, and access to transaction data via third-party integrations such as Plaid. These insights are for informational purposes only and do not constitute professional financial or investment advice.

3. User Accounts

  1. Eligibility: You must be at least 18 years of age or the age of majority in your jurisdiction to use the Service.
  2. Registration: You may be required to register for an account using a valid email address and any other information requested.
  3. Account Security: You are responsible for maintaining the confidentiality of your account credentials. You agree to immediately notify us of any unauthorized use of your account.

4. Collection and Use of Data

  1. Consent to Collection: By using the Service, you consent to our collection and use of personal and financial data (including transaction data) solely for the purpose of providing you with financial insights and improving our services.
  2. Third-Party Integrations: We use Plaid to connect to your financial accounts and retrieve transaction data. By linking your bank accounts or other financial services to Plaid within our Service, you agree to Plaid’s terms and conditions as well.
  3. Data Deletion Requests: You may request the deletion of your personal or financial data at any time by contacting [email protected]. We will honor such requests in accordance with our Privacy Policy and applicable law.

5. Termination

  1. Termination by You: You may stop using the Service and/or request to delete your account at any time.
  2. Termination by Us: We reserve the right to terminate your access to the Service at any time and for any reason, including but not limited to violations of these Terms, security concerns, or at our sole discretion.

6. Disclaimers and Limitations of Liability

  1. Financial Insights: Any financial insights or recommendations we provide are for informational purposes only. You acknowledge that you use this information at your own risk and should consult a qualified professional for personalized financial advice.
  2. No Warranty: The Service is provided on an “as is” and “as available” basis. We disclaim all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose.
  3. Limitation of Liability: To the fullest extent permitted by law, in no event shall we or our affiliates be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the use of or inability to use the Service.