1 Acceptance of these Terms
By installing or using Spendezy ("the App"), you agree to these Terms of Service. If you do not agree, please delete the App. If you are under the age of majority where you live, you may use the App only with the consent of a parent or guardian.
2 What Spendezy Does
Spendezy is an offline-first personal finance tracker. You enter your own accounts, transactions, budgets, goals and recurring bills, and the App organises them into balances, reports and reminders.
Spendezy does not connect to your bank, does not import transactions automatically, and never initiates, holds or transfers funds. Every figure the App shows is derived from information you entered yourself.
3 Not Financial Advice
Spendezy is a calculation and record-keeping tool, not a financial adviser. Budgets, debt payoff projections, loan amortisation schedules, credit utilisation figures, forecasts and any other output are informational estimates only. They are not financial advice, tax advice, legal advice, or a recommendation to take any particular action.
We are not a bank, lender, broker, credit bureau, or registered investment adviser. Consult a qualified professional before making financial decisions, and verify important figures against your official account statements.
4 Your Responsibilities
You are responsible for the accuracy of the data you enter and for keeping your device secure. In particular:
• Keep your device passcode, PIN and biometric settings private. Anyone who can unlock your device may be able to open the App. • Remember your Spendezy PIN. Because your data is stored on your device and not on our servers, we cannot recover or reset it for you. • Export your data periodically if you want a copy you control independently of your device and iCloud. • Use the App only for lawful purposes and only for your own financial records.
5 Your Data and Your Content
Your financial records remain yours. You grant us no ownership of them, and we do not sell, rent or share them. The App stores them on your device and, if you turn on iCloud Sync, in your own private iCloud account.
Because your records live on your device rather than on our servers, you are responsible for backups. Uninstalling the App, resetting your device, or signing out of iCloud may permanently remove data we cannot restore. How your information is handled is described in the Privacy Policy.
6 Intellectual Property
The App itself — its software, design, name, logo and written content — is owned by us and protected by copyright and trade mark law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, for your own personal, non-commercial use.
You may not copy, modify, reverse engineer, decompile, resell or redistribute the App, except to the extent that applicable law expressly permits it.
7 Availability and Changes
We may add, change or remove features, and we may release updates that change how the App behaves. We aim to keep the App working, but we do not promise it will be uninterrupted, error free, or compatible with every future version of iOS or every device.
We may update these Terms. When we do, we will change the effective date shown at the top of this document and include the revised Terms in an App update. Continuing to use the App after an update means you accept the revised Terms.
8 Disclaimer of Warranties
The App is provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
We do not warrant that calculations, projections or reminders will be accurate, complete, timely or delivered. Notifications depend on iOS and on your device settings, and may be delayed or suppressed by the operating system.
Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.
9 Limitation of Liability
To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of data, loss of profits, missed payments, overdraft or late fees, or financial losses arising from your use of, or inability to use, the App — even if we have been advised that such damages are possible.
To the maximum extent permitted by law, our total aggregate liability relating to the App will not exceed the greater of the amount you paid us for the App in the twelve months before the claim, or ten US dollars.
Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you. Nothing in these Terms limits liability that cannot lawfully be limited.
10 Ending Your Use
You may stop using the App at any time by deleting it from your device. Deleting the App removes the data stored on that device; if iCloud Sync was enabled, you may also need to remove Spendezy data from your iCloud account.
We may suspend or end your licence to use the App if you materially breach these Terms. The sections covering intellectual property, disclaimers, limitation of liability, and governing law survive the end of your use.
11 Apple App Store Terms
These Terms are between you and us, not with Apple, and Apple is not responsible for the App or its content. Apple has no obligation to provide support or maintenance for the App. If the App fails to conform to any applicable warranty, you may notify Apple and Apple may refund the purchase price, if any; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You confirm that you are not located in a country subject to a US Government embargo or designated as a terrorist-supporting country, and that you are not on any US Government list of prohibited or restricted parties.
12 Governing Law
These Terms are governed by the laws of the jurisdiction in which we are established, without regard to its conflict-of-laws rules. If you are a consumer, you keep the benefit of any mandatory consumer protections available to you where you live.
If any part of these Terms is found unenforceable, the rest remains in effect.
13 Questions
If you have questions about these Terms, please reach out through the App's App Store listing.