Last Updated: December 2024

Welcome to Spendio! These Terms of Use ("Terms") govern your use of the Spendio mobile application, website, and any related services (collectively, the "Service") provided by Spendio ("we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use the Service.

1. Use of the Service

The Service is intended for personal, non-commercial use. You may not use the Service for any illegal or unauthorized purpose. You agree to comply with all laws, rules, and regulations applicable to your use of the Service.

2. Accounts

To access certain features of the Service, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. We reserve the right to suspend or terminate accounts that are believed to contain inaccurate, outdated, or incomplete information.

3. Intellectual Property

All content on the Service, including text, graphics, logos, images, and software, is the property of Spendio or its content suppliers and is protected by international copyright laws. The content may not be reproduced, transmitted, distributed, or otherwise exploited in any manner without the express written consent of Spendio.

4. User Conduct

You are solely responsible for your conduct and your data related to the Service. You agree to indemnify, defend, and hold harmless Spendio and its suppliers from any and all loss, cost, liability, and expense arising from or related to your data, your use of the Service, or your violation of these Terms.

5. Privacy

Your privacy is important to us. Our Privacy Policy, incorporated by reference into these Terms, explains how we collect, use, and disclose information that pertains to your privacy. By using the Service, you agree to be bound by our Privacy Policy.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Spendio and its suppliers 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, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to, use of, or inability to access or use the Service; (b) any conduct or content of any third party on the Service; or (c) unauthorized access, use, or alteration of your transmissions or content.

7. Changes to the Terms

We reserve the right to modify these Terms at any time. If we make changes, we will post the amended Terms and update the "Last Updated" date above. Your continued use of the Service after the posting of the revised Terms constitutes your agreement to be bound by the revised Terms.

8. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without giving effect to any principles of conflicts of law.

10. Contact Us

If you have any questions about these Terms, please contact us at support@spendio.app.