Disclaimer

Nothing in SpendWise, its reports, charts, budgets, reminders, or email notifications constitutes financial, investment, accounting, tax, or legal advice, and nothing in it is a recommendation to buy, sell, or hold any product. Consult a qualified professional before making financial decisions, and consider your own circumstances and seek advice tailored to you.

SpendWise is not a bank, payment institution, or money transmitter. It does not hold, safeguard, or move your money, does not accept deposits, and does not connect to your bank accounts or card networks. Any money referenced in the app is a figure you recorded for your own tracking purposes.

SpendWise performs arithmetic on the data you enter and displays the results. It cannot verify that the data you enter is correct or complete, and it does not audit, reconcile, or certify it. Totals, balances, budgets, projections, and charts are only as accurate as the records behind them, so review anything you rely on before acting on it.

Projections — for example what a month may look like based on spending so far — are estimates produced from incomplete information. They are not forecasts, and actual results will differ.

The software is provided as-is. SpendWise does not promise that the service will be uninterrupted, error-free, or fit for a particular purpose, and features may change or be withdrawn. Parts of the service depend on third-party infrastructure, including the database and, where email sending is configured, an email delivery provider. Failures or delays in those services can affect verification emails, password resets, and notifications, so keep your own record of your credentials and do not rely on the app as your only copy of your data.

If SpendWise links to a third-party website, it does so for convenience. SpendWise does not control and is not responsible for third-party content, availability, or practices, and a link does not imply endorsement.

To the fullest extent permitted by law, the operator of a SpendWise instance is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost savings, lost data, or business interruption arising from your use of the service. Nothing in this disclaimer excludes liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence or for fraud. The Terms of Service describe this limitation in full.

If anything on this page is unclear, contact the support address on the Contact page.