Spendsei Terms of Service

By downloading, accessing, or using Spendsei, you agree to these Terms of Service.

If you do not agree to these Terms, do not use the app or related services.

You must be at least 13 years old to use Spendsei.

If you use Spendsei on behalf of another person, organization, or group, you represent that you have permission to do so.

You may sign in using supported authentication providers such as Google, Apple, or guest access where available.

You are responsible for maintaining access to your account and device.

You are responsible for all activity under your account.

You agree to provide accurate information and to keep your account secure.

Spendsei provides tools for receipt scanning, expense tracking, budgeting, recurring bills, groups and shared expenses, guest receipt claims through shared links, group chat and direct messages, stickers, voice messages, polls, travel and multi-currency tracking, analytics, AI-powered financial insights, and, when available, read-only bank connections.

Certain features may be added, modified, suspended, or discontinued at any time.

Some features may require an internet connection, an active account, device permissions, or a paid subscription.

Spendsei relies on cloud infrastructure including Firebase Authentication, Firestore, Storage, Messaging, and related services.

Data synchronization, backups, notifications, media uploads, and account access may depend on third-party infrastructure providers.

We do not guarantee uninterrupted service availability, data synchronization, or access to cloud-backed features.

Features may be temporarily unavailable due to maintenance, outages, platform restrictions, or third-party service issues.

You may upload receipts, expenses, profile photos, messages, stickers, images, videos, voice notes, and other content.

You retain ownership of content you upload.

By uploading content, you grant Spendsei a limited license to store, process, transmit, display, and synchronize that content as necessary to operate and improve the service.

You are responsible for ensuring you have the right to upload any content you submit.

You are responsible for the accuracy of financial, receipt, expense, and group information you enter or approve.

When using split groups, chats, polls, stickers, shared expenses, or other collaborative features, information may be visible to other group participants.

You are responsible for what you share within groups.

Spendsei is not responsible for disputes between users regarding shared expenses, reimbursements, payments, group balances, settlements, or group activities.

Group balances, owed amounts, paid statuses, and settlement tracking are provided for convenience and may require user review or correction.

Spendsei may allow users to send messages, reactions, polls, stickers, images, videos, voice notes, and other user-generated content.

You agree not to upload or share content that is illegal, abusive, harassing, hateful, infringing, misleading, or otherwise harmful.

You are responsible for stickers, media, messages, and other content you create, import, or share.

We may remove content or restrict access if we believe it violates these Terms, applicable law, or platform rules.

Spendsei may provide AI-powered insights, summaries, spending analysis, receipt parsing, budget recommendations, an AI assistant, AI commentary with selectable personalities, and voice-generated content.

AI outputs may be inaccurate, incomplete, delayed, offensive, or inappropriate.

AI-generated content is provided for informational and entertainment purposes only.

AI outputs are not financial, tax, legal, accounting, investment, or professional advice.

AI feature availability, limits, models, and usage rules may change over time.

Receipt scanning relies on optical character recognition (OCR), automated parsing, and related processing technologies.

Receipt extraction results may contain errors, missing items, incorrect totals, duplicate entries, or incorrect categories.

Users are responsible for reviewing, correcting, and confirming receipt information before relying on it.

Spendsei does not guarantee that scanned receipts, item lists, totals, taxes, tips, discounts, or categories will be accurate.

When available, Spendsei may let you connect accounts at supported financial institutions through Plaid Inc. ("Plaid"), a third-party service. Connecting an account is optional.

Bank connections are read-only and informational. Spendsei does not initiate payments or transfers, move money, or hold funds.

By connecting an account, you authorize Spendsei to access account and transaction information from that institution through Plaid to provide Spendsei features, until you disconnect it.

Bank information may be delayed, incomplete, duplicated, categorized incorrectly, or otherwise inaccurate. You are responsible for verifying financial information with your institution before relying on it.

Bank connections depend on Plaid and on your financial institution, and may be limited, interrupted, or unavailable, including during early access.

You can disconnect a linked institution in the app at any time. Your use of Plaid is also subject to Plaid's own terms and privacy policy.

Spendsei lets a user (the host) share a receipt claim link so others can claim items from that receipt on the Spendsei website without a Spendsei account.

Anyone with a claim link can open it. Hosts are responsible for sharing links only with intended people and for reviewing claims before finalizing a receipt.

Guests are responsible for selecting the items they actually received. Shares are calculated from the receipt information the host provides, may change while others are claiming, and may need review or correction.

Spendsei calculates shares but does not collect, process, or guarantee payments between hosts and guests.

Spendsei may display payment handles and links for third-party services such as Venmo, Cash App, or PayPal.

These links open third-party services. Spendsei does not process, hold, transfer, or guarantee those payments, and payments you make are governed by the terms of the service you use.

Paid statuses and settlements shown in Spendsei are recorded by users for convenience and do not confirm that a payment was completed.

Spendsei may offer free and paid plans, including Spendsei Pro.

Spendsei Pro is currently offered as a monthly subscription at $6.99 per month (USD), with a 7-day free trial when available. The price, trial, and features that apply to you are shown in the app and on the App Store before you subscribe.

Subscriptions are purchased and billed through Apple's App Store and automatically renew unless canceled through your Apple App Store account before renewal.

Subscription pricing, features, trials, limits, and availability may change over time.

Refunds, cancellations, billing issues, and renewal management are handled by Apple and are subject to Apple's terms and policies.

Spendsei may send push notifications, in-app alerts, or related messages about expenses, split groups, chat activity, reminders, account activity, subscription status, product updates, and other app-related events.

You may disable notifications through your device settings.

Some notification features may require device permissions or cloud messaging services.

You agree not to misuse the service, attempt unauthorized access, interfere with app functionality, abuse AI features, upload harmful content, spam other users, impersonate others, or violate applicable laws.

You agree not to use Spendsei for fraud, harassment, illegal activity, payment scams, or unauthorized data collection.

Spendsei relies on third-party providers including Google (Firebase and Google Cloud), Apple, OpenAI, ElevenLabs, RevenueCat, Plaid, Resend, Vercel, and external payment platforms.

These services operate under their own terms and privacy policies.

Spendsei is not responsible for third-party service outages, policy changes, pricing changes, errors, or actions.

Spendsei, its branding, designs, software, features, and related content are protected by intellectual property laws.

You may not copy, modify, reverse engineer, distribute, sell, or exploit Spendsei or its content except as permitted by law or with written permission.

User-generated content remains owned by the user who created or uploaded it, subject to the limited license needed to operate the service.

Certain features may be offered in beta, preview, or pre-release form, including through TestFlight or internal testing.

Beta features may contain bugs, inaccuracies, service interruptions, crashes, missing functionality, or data loss.

Beta functionality may change or be removed without notice.

You should not rely on beta features as your only record of important financial or group information.

Spendsei is a budgeting, expense tracking, split group, and entertainment tool.

Spendsei does not provide financial, investment, tax, legal, accounting, or professional advice.

Any budgets, insights, summaries, forecasts, recommendations, or AI-generated outputs are for informational purposes only.

You are responsible for your own financial decisions.

Spendsei is provided 'as is' and 'as available' without warranties of any kind.

We do not guarantee that Spendsei will be accurate, uninterrupted, secure, error-free, or available at all times.

We do not guarantee the accuracy of OCR results, AI outputs, spending summaries, group balances, currency conversions, notifications, or cloud synchronization.

To the extent permitted by law, Spendsei is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages.

Spendsei is not responsible for financial losses, payment disputes, inaccurate entries, missed reminders, incorrect AI outputs, user-generated content, lost data, or third-party service issues.

We may suspend or terminate access to Spendsei for violations of these Terms.

Examples include fraud, abuse, harassment, spam, illegal content, unauthorized access attempts, intellectual property violations, or misuse of the service.

You may stop using Spendsei at any time.

We may update these Terms from time to time.

When changes are made, we may update the effective date or provide notice where appropriate.

Continued use of Spendsei after changes means you accept the updated Terms.

These Terms are governed by the laws applicable to NGEN Labs LLC, without regard to conflict of law principles.

Any disputes will be handled in the appropriate courts or forums permitted by applicable law.

For questions about these Terms, contact [email protected].