These Terms of Service ("Terms") govern your use of the SpendWe mobile apps, the SpendWe web app and the spendwe.com website (together, the "Service"). By using the Service you agree to these Terms. If you don't agree, please don't use the Service.
1. The Service
SpendWe is a personal and couple expense-tracking app. Core features work offline on your device without an account, and sharing a household budget with one or more other people does not require signing up either. Adding your email address is optional and enables cloud backup and restore across devices. The web app (spendwe.com/app) needs an account and works with the data you back up or share.
2. Eligibility & your account
- You must be at least 13 years old to use the Service. Where the law of your country sets a higher age for agreeing to data processing on your own (15 in France; 16 in several European countries, for example Germany, Ireland and the Netherlands), you need the agreement of a parent or guardian below that age.
- If you create an account, you're responsible for keeping access to your email or sign-in provider secure, and for activity under your account.
- Sign-in uses a one-time code sent to your email: there is no password for you to manage. In the apps, sign-in with Apple or with Google may also be offered, only where we have switched it on; the web app uses the email code only. In the web app, tick Remember this browser only on a device you trust.
3. Acceptable use
You agree not to misuse the Service. In particular, you will not:
- break the law or infringe others' rights while using it;
- attempt to access accounts or data that aren't yours, or probe, scan or disrupt the Service or its infrastructure;
- reverse engineer, resell, or build a competing service using the Service's non-public parts; or
- upload malicious content or attempt to overload the system.
Comments, reactions, notes, names and household names must not contain harassment, bullying, threats, hate speech, sexual content, content that promotes violence or illegal activity, spam, or another person's private information. We have no tolerance for such content. Comments pass through an automatic filter before they are posted, and a comment it refuses is not posted. You can report a comment or a member from the app; we review every report within 24 hours and may remove the content, remove a member from a household or close the account responsible.
4. Your content
Your expenses, categories, budgets and other entries are yours. You grant us only the limited permission needed to store, back up, sync and display that content to you and, where you choose, to the members of your linked household. You're responsible for the accuracy of what you enter. You can export or delete your content at any time.
5. Household sharing
If you link accounts to share a household, the entries in that household become visible to all of its members, except the expenses you mark Private, which only you can see. Only share with people you trust. Any member can leave the household. Shared entries stay visible to the members who remain; your private expenses are removed from it. Your phone keeps a copy of what you could see there.
6. Availability & changes
We work to keep the Service reliable but provide it "as is" and "as available." We may add, change, or discontinue features, and we may perform maintenance that temporarily limits availability. Cloud sync, notifications, cloud AI and web purchases depend on third-party platforms (Apple, Google, Anthropic, Paddle and our hosting providers) that are outside our control.
7. Price and SpendWe Pro
SpendWe is free to use and contains no advertising. SpendWe Pro is an optional paid plan: a weekly, monthly or yearly subscription, or a one-time lifetime purchase where it is offered. A household plan (weekly, monthly or yearly, no lifetime version) gives Pro to the buyer and the members of their household, up to 6 people; a member who leaves is no longer covered. The website shows planned Pro prices, but purchases are not open yet and nobody is charged until they are. Once they open, Pro can be bought in the apps through the App Store or Google Play (section 12) or on our website (section 8). Whichever way you buy it, Pro is attached to your SpendWe account.
Free trial. A plan may start with a free trial, once per account; whether it has one, and for how long, is shown before you confirm. A trial that does not become a paid plan simply ends: you go back to the free plan and keep all your data. How a trial starts, ends and is cancelled depends on where you take it; the sections on purchases below describe it.
8. Purchases on our website
- Purchases on spendwe.com are sold by Paddle, our reseller and Merchant of Record (Paddle.com Market Limited; Paddle.com Inc. for buyers in the United States and Paddle.com (Canada) Ltd. for buyers in Canada), under Paddle's Buyer Terms. Paddle takes the payment and handles tax, invoices, refunds and cancellations.
- You buy while signed in to the web app with your SpendWe account. Pro is attached to that account, not to a device or a store: bought on the website, it unlocks SpendWe Pro in the iPhone and Android apps and in the web app wherever you sign in with the same account.
- Weekly, monthly and yearly subscriptions renew automatically until you cancel. You can cancel from the web app's Account page (Manage subscription) or from the link in your Paddle receipt; the cancellation takes effect at the end of the current billing period, and Pro stays active until then. A lifetime plan, where offered, is a single payment with nothing to renew.
- Free month. The web app's Account page lets you start a 1-month free trial of Pro, once per account, without giving any payment details. It ends by itself after one month: nothing is charged and nothing renews. To keep Pro afterwards, you buy a plan.
- Changing plan. Once purchases are open, you can switch between Pro and the household plan from the Account page. Moving up to the household plan takes effect at once, and Paddle charges the difference for the rest of the period. Moving down from the household plan to Pro for yourself also takes effect at once on the website, not at the next renewal: the other members of your household lose Pro immediately, the web app tells you so before you confirm, and Paddle credits the difference on your next bill.
- Refunds, and any right of withdrawal you have as a consumer, are handled by Paddle under its Buyer Terms.
- Deleting your SpendWe account does not cancel a subscription by itself: cancel it first.
9. Financial disclaimer
SpendWe is a tracking and budgeting tool for your own record-keeping. It is not accounting, tax, or financial advice, and figures (including automatic currency conversions and receipt scanning) may contain errors. AI answers, suggestions and receipt readings are generated automatically and can be wrong. Always verify important numbers yourself.
10. Disclaimers & limitation of liability
To the maximum extent permitted by law, the Service is provided without warranties of any kind, and SpendWe is not liable for indirect, incidental, or consequential damages, or for lost data or profits arising from your use of the Service. Nothing in these Terms limits liability that cannot be limited by law, including your statutory consumer rights.
11. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate access if you materially breach these Terms or use the Service in a way that risks harm to others or to the system.
12. Third-party stores
When you download the app from the Apple App Store or Google Play, those platforms' terms also apply to your download and any purchases made through them; a Pro subscription bought there is managed, cancelled and refunded through that store. Where the store offers you a free trial (for the accounts the store counts as eligible), it shows its length, the price and the date of the first payment before you confirm; the subscription then starts and renews automatically unless you cancel it in the store's subscription settings before the trial ends (for the App Store, at least a day before). A change to a lower plan made in a store takes effect at the next renewal, and the members covered by a household plan keep Pro until then. Purchases in the apps are not open yet; this describes how they work once they are. Purchases on our website are covered by section 8.
13. Changes to these Terms
We may update these Terms as the Service evolves. We'll update the date above and, for material changes, give more prominent notice. Continuing to use the Service after changes take effect means you accept the updated Terms.
14. Your rights as a consumer, by country
SpendWe is offered worldwide. These Terms never take away a right that the consumer law of the country where you live makes mandatory. In particular:
- European Union, European Economic Area and United Kingdom. The law guarantees that digital content and digital services match what was agreed. For a purchase made at a distance you generally have 14 days to withdraw without giving a reason; for a digital service that starts at once at your request, the law allows that right to be limited or to end once the service has begun, and the seller tells you so when you buy.
- Purchases in the App Store or on Google Play. The store takes the payment, so a withdrawal or refund request goes to the store: Apple at reportaproblem.apple.com, Google Play from your order history. Write to us if you need help with it.
- Purchases on our website. Paddle is the seller; it applies the right of withdrawal and handles refunds under its Buyer Terms (section 8).
- United States, Canada, Australia, New Zealand and other countries. You keep the guarantees and remedies that your local law gives consumers and that a contract cannot remove (for example the consumer guarantees of the Australian Consumer Law and of New Zealand's Consumer Guarantees Act). Section 10 applies only as far as that law allows.
- If something goes wrong. Write to support@spendwe.com first. If we cannot settle it together, you can turn to the consumer protection body or to an out-of-court dispute resolution body of your country; in the European Union, the European Consumer Centres Network (eccnet.eu) can direct you.
15. Governing law and disputes
These Terms are governed by the law of the country where the publisher of SpendWe is established. If you use the Service as a consumer, this does not deprive you of the protection of the mandatory laws of the country where you live, nor of your right to bring a claim before the courts of that country.
16. Publisher and host
The Service is published by SpendWe, an independent app publisher. Contact: support@spendwe.com (general) and privacy@spendwe.com (personal data). The publisher's legal identity and postal address are given on request to an authority, or to anyone who needs them to exercise a legal right. The website and the web app are hosted by Cloudflare, Inc., 101 Townsend Street, San Francisco, CA 94107, USA. Account data is hosted by Supabase, in Frankfurt, Germany.
17. Contact
Questions about these Terms: support@spendwe.com.