Terms & Conditions

1. Use of the App

You may use the app for personal, non-commercial purposes in accordance with these Terms. You agree not to:

• Misuse or interfere with the app's functions
• Attempt to reverse-engineer or decompile any part of the app
• Use the app to violate any law or third-party rights

We reserve the right to suspend or terminate your access if you breach these terms.

2. User Accounts & Data

You may choose to provide your first name, last name, and email address to personalize your experience. These details are optional and not required to use the core features of the app.

You are responsible for ensuring that any information you provide is accurate and up to date.

3. Permissions and Access

To function properly, the app may request access to:

• Camera – to scan bills and receipts for automated expense/income extraction.
• Photo Library (Gallery) – to allow uploading images of receipts from your device.

Granting access is optional but may limit some features if denied.

4. Financial Information Disclaimer

Spend Smart is a tool to help you track expenses and income.

• We do not provide financial advice or services.
• All data shown in the app is based on user input or AI extraction from scanned images and may not be error-free.
• You are solely responsible for verifying the accuracy of your financial records.

5. Intellectual Property

All content, branding, and intellectual property within the app belong to the app owner/developer. You may not copy, reproduce, or redistribute any part of the app without permission.

6. Privacy

Your use of the app is also governed by our Privacy Policy, which explains how we collect and use your data.

By using the app, you consent to the practices described in our Privacy Policy.

7. Limitation of Liability

We are not liable for:

• Any indirect or incidental damages arising from your use of the app
• Loss of data, financial losses, or system issues related to app usage
• Inaccuracies in scanned data or AI-generated information

Your use of the app is at your own risk.

8. Termination

We reserve the right to suspend or terminate your access to the app at any time, with or without notice, for conduct that violates these Terms or is harmful to other users or the app's operations.

9. Updates & Changes

We may update the app or these Terms at any time. Changes will be effective immediately upon posting in the app or on our website. It is your responsibility to review these Terms periodically.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any legal disputes shall be resolved in the courts of that jurisdiction.

11. Contact Us

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