Provided as it is

Spendo is free and comes with no warranty. It may change, pause or stop. Keep your own copy of anything you cannot lose: the web app exports everything to an Excel file from Settings.

Your records are yours

What you record belongs to you, and Spendo uses it only to show it back to you and keep it in step across your devices; the privacy policy says exactly how. Spendo is a record-keeping tool, not financial advice. Figures are calculated on your device; a write-up or suggestion from the AI features can be wrong, so check it against your own numbers.

Fair use

Use Spendo for your own spending. Do not try to reach anyone else’s account, automate sign-ups or sign-in attempts, or put load on the service it is not built for. Sign-in, AI features and account sizes have limits, and an account that is being abused can be closed.

The Android app

The Android app is downloaded from spendo.aathi.online/install, not from the Play Store. Install it only from there, and check the signature the page lists: a copy from anywhere else may not be Spendo.

Liability

As far as the law allows, Spendo’s maker is not liable for any loss that comes from using it, including lost entries or decisions made from what it shows.

Changes and contact

If these terms change, the date at the top changes with it. Questions: address to be added