Terms and Conditions

Last updated: August 1, 2025

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your use of the SpendTracker service operated by us. By creating an account, accessing, or using our service, you agree to comply with and be bound by these Terms and our Privacy Policy.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the service after changes constitutes acceptance of the new Terms.

2. Description of Service

SpendTracker is an AI-powered financial transaction tracking service that:

• Analyzes your emails to identify financial transactions
• Extracts and categorizes transaction data using artificial intelligence
• Provides spending insights and financial analytics
• Stores processed transaction data securely

3. User Accounts and Eligibility

Account Creation

• You must be at least 18 years old to use this service
• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the security of your account credentials
• You may not share your account or allow others to use your account

Account Responsibilities

• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• You must maintain accurate contact information

4. Acceptable Use

Permitted Use

You may use SpendTracker for:

• Personal financial transaction tracking
• Analyzing your own spending patterns
• Managing your personal financial data

Prohibited Use

You may not:

• Use the service for illegal purposes or to violate any laws
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Use the service to process someone else's emails without permission
• Reverse engineer, decompile, or disassemble any part of the service
• Use automated tools to access the service beyond normal usage
• Share, sell, or distribute your account access

5. Email Access and Data Processing

Email Access Permissions

• You grant us permission to access your emails solely for transaction processing
• Access is limited to identifying and extracting financial transaction data
• You can revoke this permission at any time through your account settings
• We will never access emails for purposes beyond transaction identification

Data Processing Agreement

• We process your emails using AI to extract transaction data only
• Raw email content is never stored and is deleted immediately after processing
• Only extracted transaction details are retained
• Processing is automated and no human reads your emails

6. Intellectual Property

Our Rights

• SpendTracker and all related technology are our intellectual property
• You may not copy, modify, or distribute our software or content
• All trademarks, logos, and brand names are our property

Your Data Rights

• You retain ownership of your transaction data
• You can export or delete your data at any time
• We claim no ownership over your personal financial information

7. Service Availability and Modifications

Service Availability

• We strive for high service availability but do not guarantee 100% uptime
• Planned maintenance will be announced in advance when possible
• We are not liable for temporary service interruptions

Service Modifications

• We may modify, update, or discontinue features at any time
• Significant changes will be communicated to users
• We will provide reasonable notice for major service changes

8. Limitation of Liability

Specific Limitations

• We are not responsible for errors in AI-processed transaction data
• We are not liable for financial decisions made based on our service
• Our total liability shall not exceed the amount paid for the service in the past 12 months
• We are not responsible for third-party email service outages or issues

9. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of the service in violation of these Terms
• Your violation of any law or regulation
• Your violation of any third-party rights
• Any content you provide to the service

10. Termination

Your Right to Terminate

• You may terminate your account at any time
• Upon termination, we will delete your data according to our Privacy Policy
• You remain responsible for any charges incurred before termination

Our Right to Terminate

• We may suspend or terminate accounts that violate these Terms
• We may terminate the service with reasonable notice
• We may immediately suspend accounts suspected of unauthorized activity

11. Governing Law and Disputes

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where our company is incorporated, without regard to conflict of law principles.

Dispute Resolution

• We encourage resolving disputes through direct communication first
• Any legal disputes shall be resolved in the courts of our jurisdiction
• You agree to binding arbitration for certain disputes as may be required by law

12. Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the service.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Assignment

We may assign these Terms or any rights hereunder without your consent. You may not assign these Terms without our written consent.

Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of such provision or any other provision.

By using SpendTracker, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.