Terms of Service

Effective Date: 10/01/2024

Welcome to Spendings.IO, a personal expense tracking platform designed to help users manage their finances effectively. By accessing or using the Spendings.IO service (referred to as "Service"), you agree to be bound by these Terms of Service (referred to as "Terms"). Please read these Terms carefully before using our Service.

1. Acceptance of Terms

By creating an account or using our Service, you confirm that you have read, understood, and agree to these Terms. If you do not agree with any part of these Terms, you should not use the Service.

2. Eligibility

To use Spendings.IO, you must be at least 18 years old, or the age of majority in your jurisdiction, and capable of forming legally binding agreements under applicable law. By using the Service, you represent and warrant that you meet these requirements.

3. Account Registration

• You are required to create an account to access and use certain features of the Service.
• You must provide accurate, current, and complete information during the registration process.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Spendings.IO reserves the right to suspend or terminate your account if any information provided during the registration process is inaccurate or incomplete.

4. Use of the Service

You agree to use the Service solely for personal, non-commercial purposes and in compliance with all applicable laws. You further agree not to:

• Use the Service in any manner that could disrupt, damage, or impair the Service or interfere with another user’s experience.
• Attempt to gain unauthorized access to any part of the Service or other accounts through hacking or other means.
• Use the Service for any fraudulent or unlawful activities.

5. Privacy

We value your privacy and are committed to protecting your personal data. Please review our Privacy Policy to understand how we collect, use, and protect your information.

6. Data and Content Submission

• User-Generated Content: By submitting any content or data through the Service, you grant Spendings.IO a non-exclusive, worldwide, royalty-free license to use, store, display, and modify your content solely for the purpose of operating and improving the Service.
• You retain all rights to your personal financial data but acknowledge that the use of certain features within the Service may require processing of this data to provide you with insights and reports.

7. Subscription and Fees

• Spendings.IO offers both free and premium subscription plans. The features available to you will depend on the subscription plan you choose.
• Premium services may be subject to periodic subscription fees, which are subject to change. We will notify you of any changes to our pricing structure in advance.
• By subscribing to premium services, you agree to pay the associated fees according to the billing terms in effect at the time of your subscription.
• Your subscription may automatically renew at the end of the subscription period unless you cancel prior to the renewal date.

8. Third-Party Services

Spendings.IO may integrate with third-party services or platforms to enhance the functionality of the Service. However, Spendings.IO is not responsible for any third-party services or their use of your data. You are encouraged to review the terms and policies of any third-party services you choose to engage with through our Service.

9. Intellectual Property

• Spendings.IO and its licensors own all intellectual property rights to the Service, including but not limited to software, design, content, and trademarks.
• You may not copy, modify, distribute, or create derivative works from the Service without explicit written consent from Spendings.IO.

10. Service Modifications

Spendings.IO reserves the right to modify, suspend, or discontinue any part of the Service at any time without notice. We are not obligated to maintain or support the Service, and we may impose limits on certain features or restrict access to parts of the Service without notice or liability.

11. Termination

You may terminate your account at any time by contacting Spendings.IO. Upon termination, you will no longer have access to your account, and any data associated with your account may be deleted. Spendings.IO reserves the right to suspend or terminate your account at our discretion if we believe you have violated these Terms.

12. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. Spendings.IO does not guarantee that the Service will be uninterrupted, error-free, secure, or that any defects will be corrected. You use the Service at your own risk.

13. Limitation of Liability

To the fullest extent permitted by law, Spendings.IO shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or use, arising from or related to your use of the Service.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of USA, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in USA.

15. Changes to Terms

We reserve the right to update these Terms at any time. If we make material changes, we will notify you by email or through the Service. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

16. Contact Information

If you have any questions or concerns about these Terms, please contact us at: support@spendings.io