Terms of Service

1. Agreement to Terms

By accessing and using SpendWise ("we," "us," "our," or "Service"), you agree to be bound by these Terms of Service. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on SpendWise for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modifying or copying the materials
• Using the materials for any commercial purpose or for any public display
• Attempting to decompile or reverse engineer any software contained on the Service
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or reproducing copies of the materials
• Engaging in any conduct that restricts or inhibits anyone use or enjoyment of the Service

3. Disclaimer

The materials on SpendWise are provided "as is." SpendWise makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall SpendWise or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on SpendWise, even if SpendWise or an authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on SpendWise could include technical, typographical, or photographic errors. SpendWise does not warrant that any of the materials on the Service are accurate, complete, or current. SpendWise may make changes to the materials contained on the Service at any time without notice.

6. Materials and Links

SpendWise has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by SpendWise of the site. Use of any such linked website is at the user own risk.

7. Modifications

SpendWise may revise these terms of service at any time without notice. By using this Service, you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of United States, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

9. Account Registration

When you create an account with SpendWise, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify SpendWise immediately of any unauthorized use of your account.

10. User Responsibilities

You agree that you will not:

• Violate any applicable laws or regulations in your use of the Service
• Engage in unauthorized access to SpendWise systems or networks
• Transmit viruses, malware, or any code of destructive nature
• Harass or harm other users
• Provide false or misleading information about your identity

11. Payment Terms

If you purchase premium features, you agree to pay the fees displayed at the time of purchase. Billing is charged on a subscription basis. All fees are exclusive of applicable taxes. SpendWise reserves the right to change prices with notice.

12. Cancellation and Refunds

You can cancel your subscription at any time through your account settings. Refunds are not provided for partial months. Subscription cancellations will take effect at the end of your current billing cycle.

13. Intellectual Property Rights

All content included in the Service, such as text, graphics, logos, images, audio clips, and software, is the property of SpendWise or its content suppliers and is protected by international copyright laws.

14. Termination

SpendWise may terminate your account and access to the Service at any time, without cause or notice, if you violate any term of these Terms of Service or engage in fraudulent, illegal, or harmful activity.

15. Limitation of Liability

To the fullest extent permissible by law, SpendWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, in connection with your use of or inability to use the Service.

16. Contact Information

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