Terms of Service

Effective Date: Dec, 21st 2024

Welcome to SpendShift! These Terms of Service ("Terms") govern your use of the SpendShift application and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Overview of Services

SpendShift provides tools to help you manage your spending, set financial goals, and track past purchases. The Services are intended for personal, non-commercial use only.

2. Eligibility

To use SpendShift, you must:

• Be at least 18 years old or the legal age of majority in your jurisdiction.

• Have the authority to agree to these Terms if acting on behalf of another person or entity.

• Provide accurate and truthful information when registering for an account.

3. Account Registration and Security

• Account Creation:

  • To access certain features, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials.

• Unauthorized Access:

  • You agree to notify us immediately of any unauthorized use of your account. SpendShift is not liable for losses caused by unauthorized account access due to your actions (e.g., sharing credentials).

4. User Responsibilities

By using our Services, you agree to:

• Use the Services only for lawful purposes.

• Not use the Services to engage in fraudulent, deceptive, or harmful activities.

• Refrain from attempting to disrupt, hack, or otherwise interfere with the Services or their security measures.

5. Payments and Transactions

• Financial Accounts:

  • SpendShift does not hold funds directly but may partner with licensed financial institutions to facilitate savings and transactions. Any funds you save through SpendShift are subject to the terms of those third-party institutions.

• Fees:

  • Certain features of the Services may require payment of fees, which will be clearly disclosed at the time of purchase or enrollment.

• Responsibility for Transactions:

  • You are responsible for ensuring sufficient funds are available for any transactions initiated through SpendShift. SpendShift is not liable for declined payments or overdraft fees.

6. Privacy and Security

Your use of SpendShift is governed by our Privacy Policy and Security Policy, which describe how we collect, use, and protect your personal data. By using the Services, you consent to these policies.

7. Prohibited Uses

You may not:

1. Use the Services for any illegal, harmful, or fraudulent activity.

2. Copy, modify, or distribute any part of the Services without our prior written consent.

3. Access the Services using automated methods (e.g., bots, scrapers) without authorization.

8. Intellectual Property

All content, logos, trademarks, and features of SpendShift are the property of SpendShift or its licensors. You may not use these without explicit permission.

9. Termination

We may suspend or terminate your access to the Services if you violate these Terms or engage in any activity that harms the Services or other users. You may also terminate your account at any time by contacting contact@spendshift.io

10. Disclaimer of Warranties

The Services are provided "as is" and "as available." SpendShift makes no warranties, expressed or implied, regarding the reliability, accuracy, or availability of the Services. Use of the Services is at your own risk.

11. Limitation of Liability

To the maximum extent permitted by law, SpendShift and its affiliates are not liable for:

• Any indirect, incidental, or consequential damages arising from your use of the Services.

• Loss of funds due to unauthorized access resulting from your actions.

Our liability, in any case, is limited to the amount you have paid us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold SpendShift harmless from claims, damages, or losses arising from:

• Your breach of these Terms.

• Your use of the Services in violation of applicable laws or third-party rights.

13. Modifications to the Terms

We may update these Terms periodically to reflect changes in our Services or legal requirements. We will notify you of material changes via email or app notifications. Your continued use of the Services constitutes acceptance of the updated Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of Washington State in the United States of America, without regard to conflict of law principles. Any disputes will be resolved through:

1. Informal Resolution: Contact us at contact@spendshift.io to attempt an informal resolution.

2. Arbitration: If informal resolution fails, disputes will be settled by binding arbitration in accordance with Arbitration Rules.

15. Contact Information

For questions or concerns about these Terms, please contact us at:

Email: contact@spendshift.io

16. Entire Agreement

These Terms, along with our Privacy Policy and Security Policy, constitute the entire agreement between you and SpendShift regarding your use of the Services.

By using SpendShift, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree, please discontinue use of the Services.