Terms of Service

1. Acceptance of Terms

By accessing and using SpendWise (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this Service.

2. Description of Service

SpendWise is a free online budget tracking and expense management tool that allows users to track their spending, set budgets, and generate financial reports. The Service is provided "as is" and "as available" without any warranties of any kind.

3. User Responsibilities

As a user of SpendWise, you agree to:

• Use the Service only for lawful purposes
• Provide accurate information when using the Service
• Not attempt to disrupt or interfere with the Service
• Not use the Service for any fraudulent or unauthorized purpose

4. Data and Privacy

SpendWise operates as a client-side application, meaning:

• Your financial data is stored locally in your browser
• We do not collect or store your financial information on our servers
• We do not have access to your expense data or budgets
• Clearing your browser data may result in loss of your information

5. Intellectual Property

The SpendWise application, including its design, features, and functionality, is the property of DKapoore and is protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our Service without explicit permission.

6. Third-Party Services

SpendWise may include third-party services, such as advertising networks. These third parties have their own terms of service and privacy policies. We are not responsible for the content or practices of these third-party services.

7. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the Service's reliability, availability, or ability to meet your needs. We do not guarantee that the Service will be uninterrupted or error-free.

8. Limitation of Liability

To the fullest extent permitted by law, SpendWise and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, or use, whether in an action in contract, tort, or otherwise, arising out of or in any way connected with the use of our Service.

9. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by updating the "Last Updated" date at the top of this page. Your continued use of the Service after any changes constitutes your acceptance of the new terms.

10. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

12. Contact Information

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

Email: legal@spendwise.com