Terms of Service
Last updated: January 2026
Agreement to Terms
By accessing or using SpendLens, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our service.
Description of Service
SpendLens is a financial analysis tool that helps you understand your spending patterns by analyzing bank transaction data you provide. We offer features including spending reports, subscription tracking, bill predictions, and AI-powered insights.
Account Responsibilities
You are responsible for:
- Maintaining the security of your account credentials
- All activity that occurs under your account
- Ensuring the data you upload belongs to you or you have permission to analyze it
- Using the service in compliance with all applicable laws
Acceptable Use
You agree not to:
- Upload data that does not belong to you without authorization
- Attempt to access other users data or accounts
- Use automated systems to access the service beyond normal usage
- Reverse engineer or attempt to extract source code
- Use the service for any illegal purpose
Not Financial Advice
Important: SpendLens provides information and insights based on your data, but this is not professional financial advice. Our recommendations are generated by algorithms and AI systems that may not account for your complete financial situation. Always consult with a qualified financial advisor before making important financial decisions.
Data Accuracy
While we strive for accuracy, SpendLens relies on the data you provide and automated processing. We do not guarantee the accuracy of categorizations, subscription detection, or predictions. You should verify important information independently.
Subscription and Payment
Free Plan: Available to all users with usage limits as described on our pricing page.
Pro Plan: Billed monthly. You can cancel at any time and retain access until the end of your billing period.
Refunds: We offer full refunds within 14 days of purchase if you are not satisfied.
Limitation of Liability
SpendLens is provided as is without warranties of any kind. We are not liable for any damages arising from your use of the service, including but not limited to financial decisions made based on our analysis, data loss, or service interruptions.
Changes to Terms
We may update these terms from time to time. We will notify you of significant changes via email or through the service. Continued use after changes constitutes acceptance of the new terms.
Termination
You may terminate your account at any time through the Settings page. We may terminate or suspend your account if you violate these terms. Upon termination, your data will be deleted as described in our Privacy Policy.
Contact
Questions about these terms? Contact us at legal@spendlens.app