Terms of Service
1. Acceptance of these Terms
These Terms are an agreement between you and Ibrahim Bayyari, the individual who operates Spendly (“we”, “us”). By downloading, accessing, or using Spendly, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use the app.
2. What Spendly is (and is not)
Spendly is a personal budgeting and expense-tracking app with optional AI help, for recording expenses, budgeting, and general money-habit guidance.
Spendly is not a bank, lender, payment institution, broker, or licensed financial, investment, legal, or tax advisor. It does not hold your money, connect to your bank, or execute transactions. It is a personal tool, not a regulated financial service.
3. Not financial, legal, or tax advice
- All content, numbers, “Money Age”, “safe to spend”, budgets, and Spendly AI responses are provided for general, educational, informational purposes only. They are not personalized financial, investment, legal, or tax advice and must not be relied on as such.
- Calculations use simplified formulas and the data you enter; they may be approximate or incomplete.
- You are solely responsible for your financial decisions. Consider a qualified professional for advice specific to your situation.
4. AI and on-device features — how they work and their limits
- Spendly AI is powered by a third-party AI provider (OpenAI), reached through Spendly’s own backend. See the Privacy Policy, Section 6, for exactly what is sent — and note that nothing is sent until you agree.
- AI output is generated automatically and may be inaccurate, incomplete, or wrong. Always review any suggestion or figure yourself before acting on it.
- AI does not save anything. An AI expense suggestion is only a proposal — nothing is recorded until you confirm it.
- AI output is general educational guidance only. It is not financial, investment, tax, or legal advice, and Spendly is not a licensed financial adviser. We make no guarantee about any outcome, saving, or result.
- AI features have daily and monthly fair-use limits, which are higher on Spendly Pro; the current limits are shown in the app. AI depends on a third-party service and may be unavailable, slower, rate-limited, or withdrawn at any time. When the AI service cannot be reached, Spendly falls back to its built-in on-device logic so the app keeps working.
- Voice entry and receipt scanning run on your device and only fill in a draft. Speech and text recognition can be wrong, and a receipt total may be left blank when it cannot be read reliably — check every value before you save. Nothing is recorded until you confirm it.
- Auto-Track reads a bank message that you paste and proposes an expense for you to confirm. Spendly does not read your SMS messages or connect to your bank.
5. Accounts
- Accounts are optional; Spendly works locally without one.
- If you create an account, you must provide accurate information (an email) and keep your credentials secure. You are responsible for activity under your account.
- You must be at least 18 years old and legally able to enter this agreement.
- We may suspend or terminate accounts that violate these Terms or the law.
6. Your data and content
- You retain ownership of the data you enter. You grant us only the limited rights needed to operate the features you use (e.g. storing and syncing your data if you sign in), as described in the Privacy Policy.
- Local-first: by default your data stays on your device. Cloud sync is optional and only occurs if you sign in.
- You are responsible for keeping your own backups. Uninstalling the app removes all local data; “Delete transaction data” removes your expenses. If you have no account, deleted data may be unrecoverable.
7. Subscriptions and payments (“Spendly Pro”)
- Spendly offers an optional paid “Spendly Pro” subscription, monthly or yearly. The features it includes and the current prices are shown in the app and by the App Store before you buy.
- Subscriptions are sold and processed by the Apple App Store and managed through our provider [RevenueCat] — not by us directly. The App Store’s terms, pricing display, billing, renewals, and refund policies apply.
- Payment is charged to your Apple ID when you confirm the purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the period ends.
- Where the App Store shows a free trial, it converts to a paid subscription unless you cancel at least 24 hours before it ends. Whether you can have a free trial is decided by the App Store (usually once per Apple ID).
- Manage or cancel your subscription in your Apple ID account settings. Deleting the app or your Spendly account does not cancel it.
- Losing Pro (expiry or cancellation) re-locks Pro features only; it does not delete your expenses, budgets, settings, or exports.
- Refunds, where applicable, are handled by the App Store under its policies.
8. Acceptable use
You agree not to:
- use Spendly for unlawful purposes;
- attempt to breach security, access other users’ data, or bypass row-level access controls;
- reverse-engineer, disrupt, or overload the app or its providers; or
- misuse AI features to generate unlawful or harmful content.
9. Third-party services
Spendly relies on third-party providers (e.g. [Supabase] for accounts and sync; [OpenAI] for Spendly AI; [Apple] and [Google] for sign-in and purchases; [RevenueCat] for subscriptions; [Sentry] for crash reporting). Your use of those features is also subject to those providers’ terms and policies. We are not responsible for third-party services.
10. Availability and changes
- We provide Spendly on an “as is” and “as available” basis and may modify, suspend, or discontinue features at any time.
- Features labelled “coming soon” or “not available yet” in the app may change or may not ship.
11. Disclaimers
To the maximum extent permitted by law, Spendly and its content are provided without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, and non-infringement. We do not warrant that the app will be error-free, uninterrupted, or that calculations or AI output are accurate or suitable for your needs.
12. Limitation of liability
To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any financial losses, decisions, or outcomes arising from your use of (or reliance on) Spendly, including AI output and calculations. Our total liability, where liability cannot be excluded, is limited to the amount you paid for Spendly Pro in the previous 12 months, or AED 100 if you have not made any payment. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under the law that applies to you, including your rights as a consumer.
13. Indemnity
You agree to indemnify and hold us harmless from claims arising out of your misuse of the app or violation of these Terms, to the extent permitted by law.
14. Termination
You may stop using Spendly at any time. We may suspend or terminate access for breach of these Terms or as required by law. Provisions that by their nature should survive (e.g. Sections 3, 11, 12, and 13) survive termination.
15. Governing law and disputes
These Terms are governed by the federal laws of the United Arab Emirates and the laws of the Emirate of Dubai, without regard to conflict-of-laws rules. Disputes will be handled by the courts of Dubai, United Arab Emirates. This does not take away any mandatory consumer-protection rights you have under the law of the country where you live, or your right to bring a claim where that law allows.
16. Changes to these Terms
We may update these Terms. Material changes will be posted here with a new effective date; continued use after changes take effect constitutes acceptance, where permitted by law.
17. Contact
Questions about these Terms: hello@spendlyapp.me
Spendly is operated by Ibrahim Bayyari, an individual (not a company). Postal address available on request.