Terms of Service

Effective Date: September 10, 2025

Welcome to SpendingOwl

These terms explain the rules for using SpendingOwl. By using our app, you agree to these terms. We've written them in plain English to make them easy to understand.

What SpendingOwl Does

SpendingOwl is a budget tracking app that helps you:

  • Track your spending across all accounts
  • Categorize expenses automatically
  • Set and monitor budgets
  • Understand your financial habits

We connect to your bank accounts through Plaid, a secure financial service used by millions of people.

Your Account and Responsibilities

Creating an Account:

  • You must be 18 or older to use SpendingOwl
  • Provide accurate information when signing up
  • Keep your login information secure
  • You're responsible for all activity in your account

Using the Service:

  • Use SpendingOwl only for personal, non-commercial purposes
  • Don't share your account with others
  • Don't try to hack or disrupt our service
  • Follow all applicable laws

Our Service and Availability

What We Provide:

  • Secure access to your financial data
  • Budget tracking and expense categorization
  • Customer support during business hours
  • Regular app updates and improvements

Service Availability: We aim for 99.9% uptime, but like all technology, SpendingOwl may occasionally be unavailable for maintenance or due to technical issues.

Pricing and Payments

  • Free Trial: We offer a free trial period so you can try SpendingOwl risk-free
  • Subscription: After the trial, you'll be charged monthly unless you cancel
  • Cancellation: You can cancel anytime from your account settings
  • Refunds: We offer prorated refunds for unused time if you're not satisfied

Data and Privacy

  • Your Data: You own your financial data. We just help you organize it
  • Privacy: We follow our Privacy Policy and never sell your data
  • Security: We use bank-level security to protect your information
  • Data Export: You can export your data anytime

Limitations and Disclaimers

Financial Advice: SpendingOwl provides tools and insights, but we're not financial advisors. We don't provide investment or financial planning advice.

Data Accuracy: While we strive for accuracy, financial data may occasionally have errors. We're not responsible for decisions based on this data.

Third-Party Services: We integrate with banks through Plaid. We're not responsible for their services or any issues they may have.

Ending Your Account

You Can Leave Anytime:

  • Cancel your subscription from account settings
  • Export your data before canceling if you want to keep it
  • We'll delete your data 30 days after cancellation

We May Suspend Accounts: We may suspend accounts that violate these terms, but we'll try to work things out first.

Changes to These Terms

We may update these terms occasionally to reflect changes in our service or the law. We'll notify you of significant changes and give you time to review them.

Legal Stuff

Governing Law: These terms are governed by the laws of [Your State/Country].

Disputes: If we have a disagreement, let's try to work it out. If we can't, any legal disputes will be resolved in [Your Jurisdiction].

Limitation of Liability: Our liability is limited to the amount you've paid us in the last 12 months.

Questions?

We're here to help! If you have questions about these terms:

Email: info@spendingowl.com

General Contact: info@spendingowl.com