Terms of use

These are the rules for using Spendly. By creating an account you agree to them and to the privacy policy.

What Spendly is

Spendly is a personal tool for recording and understanding your own spending. It is not a bank, it does not move money, and it gives no financial, tax or investment advice. Figures such as “safe to spend” and loan balances are estimates from what you entered; check them against your bank before relying on them.

Your account

• You must give a real email address that you control, and keep your details accurate.
• Keep your password, authenticator and recovery codes safe and private. Anything done with them is treated as done by you. If you lose your authenticator and your recovery codes, we may not be able to restore access, and we will ask you to prove who you are first.
• One person, one account. Do not share it or create accounts on behalf of others.

Acceptable use

• No attempts to break, probe, overload or bypass the limits of the service.
• No using it to store anything unlawful, or to harm others.
• No automated sign-ups or scraping.

We may suspend an account that breaks these rules or puts the service or other people at risk, and will say why where we can.

Free and Pro

Spendly has a Free plan with limits and a Pro plan with more features. Pro is activated manually by the owner. If Pro ends, your data stays readable and nothing is deleted; Pro features simply stop being available to add to.

Your data

It is yours. We only use it to run the service for you. You can export it and delete it whenever you like, see deleting your account.

No guarantees

Spendly is provided as it is, without promises that it will always be available or free of errors. Keep your own records of anything important. To the extent the law allows, we are not liable for losses that come from using, or being unable to use, the service.

Changes and ending

We may change the service or these terms; if a change matters we tell you inside the app first. You can stop using Spendly at any time by deleting your account.