Terms of Service

Acceptance of Terms

By downloading, installing, or using the Spendly mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

Description of Service

Spendly is a mobile application that helps you track bills, expenses, and manage your personal finances. All data is stored locally on your device.

Use of Service

Permitted Use

You may use the App for personal, non-commercial purposes to:

• Track your bills and expenses
• Set reminders for bill payments
• Analyze your spending patterns
• Manage your personal finances

Prohibited Use

You agree not to:

• Use the App for any illegal purpose
• Attempt to reverse engineer, decompile, or disassemble the App
• Interfere with or disrupt the App's functionality
• Use the App to violate any laws or regulations
• Share your account or device access in a way that compromises security

User Accounts

Local Data

The App stores all data locally on your device. You are responsible for:

• Maintaining the security of your device
• Backing up your data if desired
• Protecting your device from unauthorized access

Data Loss

We are not responsible for any loss of data due to:

• Device malfunction or damage
• Accidental deletion
• Device loss or theft
• Software updates or changes
• Uninstalling the App

Intellectual Property

Our Rights

The App, including its design, features, and content, is owned by us and protected by copyright, trademark, and other intellectual property laws.

Your Rights

You retain all rights to your personal data and financial information stored in the App.

Disclaimers

No Financial Advice

The App is a tool for tracking and organizing your financial information. It does not provide financial, investment, or legal advice. You should consult with qualified professionals for financial advice.

No Warranties

The App is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that:

• The App will be error-free or uninterrupted
• The App will meet your specific requirements
• The App will be available at all times

Accuracy of Information

While we strive to ensure the App functions correctly, we are not responsible for:

• Errors in calculations
• Data entry mistakes
• Loss of data
• Inaccurate financial information

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Loss of business opportunities
• Personal injury or property damage

Data Privacy

Your privacy is important to us. All your financial data is stored locally on your device and is not transmitted to our servers. Please review our Privacy Policy for more information.

Modifications to Service

We reserve the right to:

• Modify or discontinue the App at any time
• Update the App with new features or changes
• Remove features or functionality
• Change these Terms at any time

We will notify you of significant changes to these Terms or the App.

Termination

You may stop using the App at any time by uninstalling it from your device. We reserve the right to suspend or terminate your access to the App if you violate these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to its conflict of law provisions.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and us regarding the use of the App and supersede all prior agreements and understandings.

Contact Information

If you have any questions about these Terms, please contact us at:

Acknowledgment

By using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.