Terms of Service

By registering for a SpendWise account, or by using an instance of SpendWise, you agree to these Terms of Service and to the Privacy Policy. If you do not agree with them, do not create an account or stop using the service.

You must be legally capable of entering into a binding agreement where you live, and at least 16 years old, to use SpendWise.

SpendWise is a web application for personal budgeting and expense tracking. It lets a user record income and expenses, organise them into categories, set monthly and daily budgets, schedule recurring transactions, import and export transaction records, and view reports and charts built from the data that user has entered.

SpendWise is a record-keeping tool. It does not connect to banks, move money, hold funds, offer investment or insurance products, provide financial advice, or act as a bookkeeping, accounting, or tax service. It is not a substitute for the advice of a qualified professional.

• One account per person is expected. You are responsible for activity that happens under your account.
• You must provide accurate registration information and keep it up to date.
• You are responsible for keeping your password confidential and for all activity that occurs while your session is active. Tell the instance operator promptly if you suspect unauthorised access.
• You may not share, resell, or provide access to your account to another person.
• You may not use SpendWise to store or process data on behalf of other people without a separate written arrangement with the instance operator.

You agree not to:

• Break the law, or infringe anyone else's rights, when using SpendWise.
• Probe, scan, or test the security of the service without written permission from the operator, or attempt to access accounts or data that are not yours.
• Interfere with, disrupt, or place unreasonable load on the service, including through automated requests, scraping, denial-of-service activity, or introducing malicious code.
• Attempt to gain administrator privileges you were not granted, or bypass rate limits, lockouts, or other access controls.
• Use SpendWise to store unlawful material, or to store the personal data of other people without their consent.
• Reverse engineer, decompile, or attempt to derive the source code of the software except to the extent that restriction is prohibited by law.
• Remove or obscure copyright, trademark, or attribution notices.

You keep ownership of the financial data you enter into SpendWise. You are solely responsible for the accuracy, completeness, and legality of that data, and for having the right to record it — for example, it is your responsibility to make sure shared accounts and expense-sharing records comply with any obligations that apply to you.

You are responsible for keeping your own backups. SpendWise's CSV and JSON export tools help you do this, but exports are generated on demand and are not a scheduled, automatic, or guaranteed backup service. We recommend exporting your data regularly and storing the copy somewhere you control.

You are responsible for the accuracy of the financial figures SpendWise displays and for the decisions you make based on them. SpendWise performs arithmetic on the numbers you supply and offers no guarantee that any figure, projection, chart, or report is suitable for a financial, tax, or legal purpose.

The SpendWise software is licensed to you for your own use. All rights not expressly granted are reserved. The name, design, and code of the application remain the property of their respective owners.

You may not resell, sublicense, rent, or host SpendWise as a commercial offering, and you may not present a modified version under the SpendWise name in a way that implies it is the official application, without written permission.

If you operate a hosted instance, you remain responsible for the terms you set for your own users, and you must present these Terms and the Privacy Policy to them.

SpendWise sends account emails such as verification and password-reset links, and optional notifications such as budget alerts and recurring-transaction reminders. Delivery depends on third-party infrastructure and on filters on your mail server, so messages can be delayed or never arrive.

You can turn individual notifications off in Settings. Security-critical messages, including verification and password-reset links, are sent regardless of your notification preferences because they are required for account access and security.

SpendWise is provided on an as-is and as-available basis. We do not guarantee that the service will be uninterrupted, error-free, or available at any particular time, and we may change or discontinue features. You should not rely on SpendWise as your only copy of financial records.

You may stop using SpendWise and request deletion of your account at any time by contacting the support address on the Contact page.

The operator of an instance may suspend or close an account that breaches these terms, that poses a security risk to the service or other users, or that is required to be restricted by law. Where circumstances allow, you will be told why.

Sections that by their nature should survive termination — including intellectual property, disclaimers, liability limits, and dispute terms — survive account closure.

To the fullest extent permitted by law, SpendWise is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. The operator does not warrant that the software will detect every error in the data you enter or that the reports it produces are accurate, complete, or suitable for any purpose.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, for fraud, or for any other liability that applicable law does not permit to be waived.

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 out of your use of the service — even if the possibility of those damages was known.

To the fullest extent permitted by law, the operator's total aggregate liability to you for claims arising out of or relating to SpendWise is limited to the greater of the amount you paid for the service, which is currently nothing, or fifty US dollars (USD 50). Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

You agree to indemnify and hold harmless the operator of the instance and its contributors against any claim, demand, loss, or expense — including reasonable legal fees — arising from your use of SpendWise, your breach of these terms, or your violation of any law or the rights of a third party.

These terms may be revised as the software develops. The revision date at the top of this page reflects the current version. Continued use of SpendWise after a revision means you accept the updated terms; if you do not agree, stop using the service and request deletion of your account.

These terms are governed by the laws that apply where the operator of the instance is established, without regard to conflict-of-law rules. Any dispute arising out of or relating to SpendWise or these terms will be handled by the courts of that jurisdiction, unless applicable consumer law gives you the right to bring proceedings where you live.

Questions about these terms can be sent to the support address on the Contact page.