Please read these terms carefully before using Spendmate. By using our service, you agree to these terms.
By accessing and using Spendmate ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this Service.
These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Spendmate ("Company", "we", "our", or "us") regarding your use of the Service.
3.1 Eligibility. You must be at least 18 years old and have the legal capacity to enter into this agreement.
3.2 Registration. You must provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your account credentials.
3.3 Security. You must notify us immediately of any unauthorized use of your account. We use industry-standard encryption and security practices, but you acknowledge that no internet transmission is 100% secure.
3.4 Account Termination. We reserve the right to suspend or terminate your account if you violate these Terms.
4.1 Ownership. You retain all rights to your Financial Data. We do not claim ownership of your data.
4.2 License to Process. By using the Service, you grant us a limited, non-exclusive license to process, store, and display your data solely to provide the Service.
4.3 Data Security. We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, or destruction.
4.4 Data Retention. We retain your data while your account is active. Upon account deletion, we will delete your data within 30 days, except where required by law.
4.5 Third-Party Access. We do not sell your data. We may share data with third-party processors (e.g., cloud hosting, authentication) under strict data processing agreements.
5.1 Informational Purpose Only. Spendmate is a personal finance tracking tool. It does not provide financial, investment, tax, or legal advice.
5.2 No Fiduciary Duty. We do not act as your financial advisor, fiduciary, or broker. All financial decisions are your sole responsibility.
5.3 Data Accuracy. We strive for accuracy but do not guarantee the completeness, reliability, or timeliness of financial data, especially data imported from third-party sources.
5.4 No Liability for Financial Decisions. You agree not to hold us liable for any financial losses, missed opportunities, or damages resulting from your use of the Service or reliance on its data.
5.5 Bank Integrations. Any bank or financial institution connections are facilitated through authorized third-party providers. We do not store your banking credentials.
You agree not to:
7.1 Our Rights. The Service, including its design, code, algorithms, trademarks, and content (excluding your User Data), is owned by Spendmate and protected by intellectual property laws.
7.2 License. We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes.
7.3 Feedback. Any feedback, suggestions, or ideas you provide become our property and can be used without compensation.
8.1 Plans. Spendmate may offer free and paid subscription plans. Features and limits vary by plan.
8.2 Billing. Paid subscriptions are billed in advance on a monthly or annual basis. Prices are subject to change with 30 days' notice.
8.3 Refunds. Refunds are handled according to our Refund Policy. Generally, we offer prorated refunds for annual plans cancelled mid-term.
8.4 Payment Processing. Payments are processed by third-party payment processors (e.g., Stripe). Their terms also apply.
9.1 By You. You may terminate your account at any time through the account settings. Your data will be deleted per our retention policy.
9.2 By Us. We may suspend or terminate your access immediately for violation of these Terms, with or without notice.
9.3 Effect. Upon termination, your license to use the Service ends. Provisions that should survive (e.g., IP rights, disclaimers, liability limits) will survive.
10.1 As-Is Service. The Service is provided "as is" and "as available" without warranties of any kind, express or implied.
10.2 No Warranty. We do not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses.
10.3 Limitation of Liability. To the maximum extent permitted by law, Spendmate shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities.
10.4 Cap on Liability. Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim, or $100 USD, whichever is greater.
10.5 Exclusions. Some jurisdictions do not allow certain limitations. In such cases, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless Spendmate, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of your use of the Service, violation of these Terms, or infringement of any third-party rights.
12.1 Governing Law. These Terms shall be governed by the laws of the Republic of Indonesia, without regard to conflict of law principles.
12.2 Dispute Resolution. Any disputes shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to the courts of Jakarta, Indonesia.
12.3 Class Action Waiver. You agree to bring claims only in your individual capacity, not as a plaintiff or class member in any class or representative proceeding.
We may modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Your continued use after changes constitutes acceptance.
If you have questions about these Terms, please contact us:
Spendmate Legal Team
Email: legal@spendmate.app
Website: spendmate.app