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Terms of Use | Spendflow

Terms of Use

Effective Date: January 1. 2025.

Welcome to SpendFlow! These Terms of Use (“Terms”) govern your access and use of the SpendFlow application, website, and related services (the “Service”). By accessing or using SpendFlow, you agree to be bound by these Terms. If you do not agree, please refrain from using our Service.

1. Definitions

  • “SpendFlow,” “we,” “us,” or “our” refers to the SpendFlow entity providing the Service.
  • “User,” “you,” or “your” refers to individuals or entities accessing and using the Service.
  • “Service” refers to the SpendFlow application, website, and associated services.
  • “Account” refers to your registered profile on SpendFlow.

2. Eligibility

To use SpendFlow, you must:

  • Be at least 18 years old or have legal parental/guardian consent.
  • Have the legal capacity to enter into this agreement.
  • Use the Service in compliance with applicable laws and regulations.

3. Account Registration & Security

  • You must provide accurate and complete information when creating an account.
  • You are responsible for maintaining the security of your login credentials.
  • You must notify us immediately of unauthorized account use or security breaches.
  • We reserve the right to suspend or terminate accounts that provide false or misleading information.

4. Use of the Service

SpendFlow provides tools for managing expenses, receipts, and financial transactions. You agree to:

  • Use the Service only for lawful purposes.
  • Not attempt to gain unauthorized access to other accounts.
  • Not engage in fraudulent, abusive, or illegal activities using SpendFlow.
  • Ensure that data you submit does not violate third-party rights or applicable laws.

5. Subscription & Payment

  • SpendFlow may offer both free and premium subscription plans.
  • If using a paid plan, you agree to pay the specified subscription fees.
  • Payments are processed securely through third-party payment providers.
  • We reserve the right to change pricing at any time, with prior notice to subscribers.
  • Cancellations must be made before the next billing cycle to avoid further charges.

6. Data Privacy & Security

Your privacy is important to us. By using SpendFlow, you acknowledge that your data will be collected and used as outlined in our Privacy Policy.

7. Third-Party Integrations

SpendFlow integrates with third-party services, such as accounting software and financial institutions. You acknowledge that:

  • Your data may be shared with these services based on your configurations.
  • We are not responsible for the actions or policies of third-party services.
  • You should review the terms and privacy policies of these services independently.

8. Intellectual Property Rights

  • SpendFlow and its associated content, trademarks, and software are the property of SpendFlow or its licensors.
  • You may not copy, distribute, modify, or reverse-engineer our software or branding without permission.
  • Any feedback or suggestions you provide may be used by SpendFlow without compensation.

9. Prohibited Activities

You agree not to:

  • Use the Service for illegal or fraudulent purposes.
  • Upload or distribute malicious software or harmful content.
  • Impersonate another individual or misrepresent your affiliation with an entity.
  • Attempt to bypass security measures or disrupt system operations.

10. Termination & Suspension

  • We may suspend or terminate your account if you violate these Terms.
  • You may terminate your account at any time by discontinuing use of the Service.
  • Termination does not waive obligations related to outstanding payments or legal compliance.

11. Disclaimer of Warranties

SpendFlow provides the Service “as is” and “as available,” without any warranties, express or implied. We do not guarantee:

  • That the Service will be error-free, secure, or uninterrupted.
  • The accuracy or completeness of financial data processed by the Service.
  • That third-party integrations will function without issues.

12. Limitation of Liability

To the maximum extent permitted by law, SpendFlow shall not be liable for:

  • Indirect, incidental, or consequential damages arising from your use of the Service.
  • Loss of data, revenue, or business due to service interruptions or errors.
  • Unauthorized access to your account due to negligence on your part.

13. Indemnification

You agree to indemnify and hold SpendFlow harmless from any claims, damages, or legal disputes arising from:

  • Your violation of these Terms.
  • Unauthorized use of the Service.
  • Your violation of third-party rights or applicable laws.

14. Modifications to the Terms

  • We may update these Terms from time to time.
  • Continued use of the Service after updates constitutes acceptance of the revised Terms.
  • We will notify users of significant changes via email or app notifications.

15. Governing Law & Dispute Resolution

  • These Terms are governed by the laws of [Insert Jurisdiction].
  • Any disputes shall be resolved through arbitration or courts in [Insert Jurisdiction].
  • Users waive the right to class-action lawsuits against SpendFlow.

16. Contact Us

For any questions or concerns about these Terms, contact us at: info@spendflow.co

By using SpendFlow, you acknowledge that you have read and agree to these Terms of Use.