Welcome to Smart Spend
These Terms of Service govern your access to and use of the Smart Spend applications, APIs, and services. By creating an account or using Smart Spend, you agree to these Terms.
1. Overview of the Service
Smart Spend is a personal finance platform that lets you:
- Record income and expenses
- Create and manage budgets
- Track bills and payments (including recurring bills)
- View balance sheets and net worth snapshots
- Receive alerts and reminders
- Export reports
- Access AI-powered insights and coaching
- Some features may be unavailable in your region or plan
Important Notice
Smart Spend is not a bank or a financial advisor. The Service provides information and automation tools for personal finance organization. All financial decisions are your responsibility.
2. Account Registration and Security
Account Requirements
You must provide accurate information and keep your account credentials confidential. You are responsible for activity under your account.
Authentication Options
- Email-and-OTP verification
- Passwords and access/refresh tokens
- Optional biometric authentication on supported devices
You agree that using biometrics on your device is voluntary and that you will keep your device secure.
3. Permitted Use; Prohibited Conduct
Permitted Use
Use the Service only for lawful personal or business finance management.
Prohibited Activities
- Access another user'account or data
- Probe or breach security
- Reverse engineer or overload systems
- Upload malware or unlawful content
- Misuse alerts, emails, or notifications
4. Subscriptions, Trials, and Fees
Payment Terms
- Smart Spend may offer free and paid features
- Pricing and inclusions will be shown at checkout or within your account
- Taxes may apply
- If you start a trial, we may convert it to a paid subscription unless you cancel before the trial ends
- Third-party platform billing terms may also apply
5. Bills, Budgets, and Balance Management
Important Notice
When you record bills and mark them as paid, the Service can automatically create corresponding expenses and deduct from wallet/balance and budgets. Ensure that recorded amounts and categories are accurate before payment to avoid unintended deductions.
Budget enforcement may prevent creating expenses that exceed remaining overall or category allocations. You are responsible for configuring budgets and categories to reflect your intent.
6. AI Insights & Coaching
The Service may generate insights, summaries, anomaly flags, or suggestions (e.g., spending trends, bill reminders, or goal planning).
No Financial Advice
These are informational and provided "as is." They do not constitute financial, investment, tax, or legal advice. Please consult qualified professionals for personalized advice.
7. Emails, Notifications, and Alerts
We may send transactional emails (e.g., OTP, password reset, account notices) and in-app/OS notifications (e.g., bill reminders). You can manage some preferences in your settings. Critical service emails may be required.
8. Data, Privacy, and Security
Security & Privacy
- We process your personal information in accordance with our Privacy Policy
- We employ reasonable security measures and industry practices
- Password hashing and signed tokens
- However, no system is perfectly secure; use the Service at your own risk
- Maintain appropriate device security
You are responsible for exporting and backing up your data. Reports may be available in CSV or PDF formats.
9. Third-Party Services
The Service may integrate with third-party tools (e.g., email providers). We are not responsible for third-party services' availability, security, or compliance.
10. Intellectual Property
Smart Spend, including its UI, APIs, content, and trademarks, are owned by us or our licensors. You receive a non-exclusive, revocable, non-transferable license to use the Service for its intended purpose.
11. Disclaimers; Limitation of Liability
Important Legal Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, AND WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR REVENUE.
Our total aggregate liability for claims related to the Service will not exceed the amount you paid to us for the Service in the 6 months preceding the event giving rise to the claim.
12. Indemnification
You agree to defend, indemnify, and hold us harmless from claims, damages, liabilities, and expenses arising from your misuse of the Service or breach of these Terms.
13. Suspension and Termination
We May Suspend/Terminate
- For violations of these Terms
- Suspected fraud
- Legal/compliance reasons
You May Terminate
- Stop using the Service at any time
- Delete your account
Upon termination, your right to use the Service ceases immediately. We may retain certain data as required by law or for legitimate business purposes. Certain provisions (e.g., IP, disclaimers, limitation of liability) survive.
14. Changes to the Service and Terms
We may modify features or these Terms. If changes are material, we will provide notice. Continued use after changes take effect constitutes acceptance.
15. Governing Law and Dispute Resolution
These Terms are governed by the laws of Pakistan (without regard to conflict-of-laws rules). Courts in Pakistan shall have exclusive jurisdiction, unless applicable laws require otherwise in your place of residence.
16. Contact
Legal Support
For questions or legal notices, contact us at info@endevsols.com