Last updated: November 27, 2025
By accessing or using SmartSpend ("the Service"), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access the Service.
SmartSpend is a personal finance assistant that helps you understand your spending patterns and provides financial insights. The Service uses AI technology to analyze your financial information and compare it with anonymized aggregate data to provide personalized recommendations.
To use certain features of the Service, you must:
You are responsible for all activities that occur under your account.
You agree not to:
Important Notice
The information provided by SmartSpend is for general informational and educational purposes only. It should not be considered as:
Always consult with qualified financial advisors before making significant financial decisions. We are not responsible for any financial decisions made based on information provided by our Service.
The Service and its original content, features, and functionality are owned by SmartSpend and are protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written consent.
By submitting content (including financial information and chat messages) to the Service, you grant us a non-exclusive, worldwide, royalty-free license to use, process, and analyze such content for the purpose of providing and improving our services.
You retain ownership of your personal data and can request its deletion at any time in accordance with our Privacy Policy.
Our Service may contain links to or integrate with third-party services (such as Google for authentication). We are not responsible for the content, privacy policies, or practices of any third-party services. Your use of such services is at your own risk.
We strive to provide uninterrupted access to the Service, but we do not guarantee that the Service will be available at all times. We may modify, suspend, or discontinue the Service at any time without notice.
To the fullest extent permitted by law, SmartSpend and its affiliates shall not be liable for any:
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
You agree to indemnify and hold harmless SmartSpend and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.
We reserve the right to terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which SmartSpend operates, without regard to its conflict of law provisions.
We reserve the right to modify these Terms at any time. We will notify users of material changes by updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
If you have any questions about these Terms and Conditions, please contact us at:
Email: legal@smartspend.club
See also our Privacy Policy