👛 Spendlyfi

Terms of Service

Last updated: May 18, 2026

Please read these Terms of Service ("Terms") carefully before using the Spendlyfi application ("Service") operated by Spendlyfi ("we", "our", or "us").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Description of Service

Spendlyfi is a personal and business expense tracking application. It allows you to record expenses, upload receipts, set budget plans, and view spending reports. All data you enter is stored in your own Google Drive account using Google's appDataFolder feature — not on our servers.

2. Eligibility

You must be at least 13 years of age to use the Service. By using Spendlyfi you represent that you are 13 or older and have the legal capacity to agree to these Terms. If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these Terms.

3. Google Account Requirement

Spendlyfi requires a Google account to sign in. By connecting your Google account you authorise Spendlyfi to:

  • Read your name, email address, and profile photo for display purposes.
  • Read from and write to your Google Drive appDataFolder to store and retrieve your expense and budget data.

You can revoke this access at any time via Google Account → Security → Third-party apps with account access. Revoking access will prevent you from using the Service and will delete the data stored in your Drive appDataFolder.

Your use of Google's services is also subject to Google's Terms of Service.

4. User Responsibilities

You agree to:

  • Use the Service only for lawful purposes and in accordance with these Terms.
  • Maintain the security of your Google account. You are responsible for all activity that occurs under your account.
  • Ensure the accuracy of the expense data you enter. Spendlyfi displays what you input; we are not responsible for incorrect figures or financial decisions based on that data.
  • Not attempt to reverse-engineer, decompile, tamper with, or disrupt the Service or its infrastructure.
  • Not use the Service to store or transmit unlawful, harmful, or fraudulent content.
  • Back up your data periodically. Your data lives in your own Google Drive, but Spendlyfi does not guarantee against data loss, corruption, or accidental deletion. We recommend using the Export option in Settings to download CSV backups regularly. See Sections 8 through 11 for the full disclaimer, limitation of liability, assumption of risk, and indemnification.

5. Intellectual Property

The Spendlyfi application, its design, code, and branding are owned by us and protected by applicable intellectual property laws. These Terms do not grant you any right, title, or interest in the Service beyond a limited, personal, non-transferable licence to use it as described herein.

You retain full ownership of all expense data and content you create. By using the Service you grant us no licence to that data beyond what is necessary to operate the Service (i.e. reading and writing it to your Google Drive on your behalf).

6. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains what information we collect, how we use it, and how your data is stored in your own Google Drive.

7. No Financial Advice

Spendlyfi is a personal record-keeping tool. Nothing in the Service constitutes financial, tax, accounting, or investment advice. You should consult a qualified professional for advice specific to your financial situation. We are not responsible for any financial decisions you make based on data displayed in the Service.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that any data stored via the Service will be free from loss, corruption, or unauthorised access.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SPENDLYFI, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM (OR $10 USD IF YOU HAVE NOT MADE ANY PAYMENTS).

10. Assumption of Risk

YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS ENTIRELY AT YOUR OWN RISK. The Service is provided to you free of charge as a convenience tool. You are solely responsible for:

  • The accuracy, completeness, and timeliness of any information you enter into the Service.
  • Any financial, tax, business, or personal decisions you make based on information displayed or calculated by the Service.
  • Maintaining your own backups of your data (see Section 4).
  • The security of your Google account and any device on which you access the Service.
  • Any third-party services, integrations, or networks you choose to use in connection with the Service.

To the maximum extent permitted by applicable law, Spendlyfi disclaims any and all liability arising from your use of, or inability to use, the Service, including but not limited to claims based on data loss, data inaccuracy, financial harm, missed deadlines, or business interruption.

11. Indemnification

You agree to indemnify, defend, and hold harmless Spendlyfi and its operators, owners, officers, directors, employees, contractors, affiliates, licensors, suppliers, and agents (collectively, the "Indemnified Parties") from and against any and all claims, demands, lawsuits, liabilities, judgments, damages, losses, costs, and expenses — including reasonable attorneys' fees and court costs — arising out of or in any way related to:

  • Your use or misuse of the Service.
  • Your violation of these Terms or any applicable law.
  • Your violation of the rights of any third party.
  • Any content, data, or files you submit, store, upload, or transmit through the Service.
  • Any reliance you or any third party places on data displayed, calculated, or generated by the Service.
  • Any tax, accounting, regulatory, or financial consequence resulting from your use of the Service.

The Indemnified Parties reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with their defence. This indemnification obligation will survive termination of these Terms and your use of the Service.

12. Third-Party Services

The Service integrates with Google services (Sign-In and Drive). Your use of those services is governed by Google's own terms and policies. We are not responsible for the availability, accuracy, or practices of any third-party services.

13. Termination

You may stop using the Service at any time. Revoking Spendlyfi's Google account access (as described in Section 3) effectively terminates your use of the Service and removes all data stored in your Drive appDataFolder.

We reserve the right to suspend or terminate access to the Service for any user who violates these Terms, with or without notice.

Upon termination, your right to use the Service ceases immediately. Because your data is stored in your own Google Drive, it is unaffected by any action we take on our end.

14. Changes to These Terms

We reserve the right to update these Terms at any time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or via an in-app notice. Your continued use of the Service after any changes constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in Texas.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17. Contact Us

If you have questions about these Terms, please contact us:

Use our contact form to reach us.

See also: Privacy Policy