Legal

Terms of Service

Effective date: 1 October 2026  ·  Last updated: 1 October 2026

End-User License Agreement (EULA). Spendwiser Pro is made available through the Apple App Store. By downloading or using the app you also agree to Apple's standard EULA. In the event of a conflict between Apple's EULA and these Terms, Apple's EULA takes precedence for matters explicitly covered by it.
Table of Contents
  1. Acceptance of Terms
  2. License Grant
  3. Subscriptions & Billing
  4. Acceptable Use
  5. Your Data
  6. Intellectual Property
  7. Disclaimers
  8. Limitation of Liability
  9. Termination
  10. Governing Law
  11. Changes to These Terms
  12. Contact

These Terms of Service ("Terms") govern your access to and use of the Spendwiser Pro iOS application, the web dashboard at web.spendwiserpro.com, and all related services (collectively, the "Service") provided by Spendwiser Pro ("we", "us", or "our"). Please read these Terms carefully before using the Service.

1. Acceptance of Terms

By downloading, installing, or using Spendwiser Pro, you confirm that you are at least 13 years old (or the minimum age required in your country), that you have read and understood these Terms, and that you agree to be bound by them. If you do not agree, do not use the Service.

2. License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use the Spendwiser Pro iOS application on Apple devices you own or control, solely for your personal, non-commercial financial tracking purposes.

You may not:

  • Copy, modify, distribute, or create derivative works of the app.
  • Reverse-engineer, decompile, or attempt to extract the source code.
  • Rent, lease, sell, or sublicense the app to any third party.
  • Use the app for any unlawful purpose or in violation of any applicable law.

3. Subscriptions & Billing

Spendwiser Pro offers a free tier and paid Pro subscriptions (monthly and annual) with different feature limits.

  • Free tier: Available at no charge with limits on wallets and transactions per month as described on the pricing page.
  • Pro subscription: Unlocks unlimited wallets, unlimited transactions, receipt attachments, cloud sync, web dashboard access, and encrypted backup.
  • Billing: All purchases are processed by Apple through the App Store. Subscription fees are charged to your Apple ID at confirmation of purchase and automatically renew at the end of each billing period unless cancelled at least 24 hours before renewal.
  • Free trial: Where offered, a free trial converts to a paid subscription at the end of the trial period. Cancel before the trial ends to avoid charges.
  • Cancellation: Manage or cancel your subscription at any time via Settings > [Your Name] > Subscriptions on your iPhone. Access to Pro features continues until the end of the current billing period.
  • Refunds: All refund requests are handled by Apple. Visit reportaproblem.apple.com.
  • Price changes: We may change subscription prices at any time. We will give you reasonable advance notice of any price increase; you may cancel before the new price takes effect.

4. Acceptable Use

You agree not to:

  • Use the Service to commit fraud or engage in any illegal financial activity.
  • Attempt to gain unauthorised access to our systems, other users' accounts, or backend infrastructure.
  • Interfere with or disrupt the integrity or performance of the Service.
  • Use automated scripts or bots to interact with the Service.
  • Upload malicious content, including viruses or malware, via receipt attachments.
  • Violate any applicable law or regulation, including those relating to privacy and data protection.

5. Your Data

You retain full ownership of the financial data you enter into Spendwiser Pro. We do not claim any rights over your personal financial records.

By using the sync and cloud backup features, you grant us a limited license to store, process, and transmit your data solely to provide the Service. We will not access your data except as required to operate the Service or as required by law.

Data retention after a subscription ends: cloud sync and backup are part of Spendwiser Pro. If your subscription lapses, is cancelled, or is paused, your cloud data is permanently deleted 30 days after the subscription ends. Data stored on your devices is not affected. See the Privacy Policy for details.

You are responsible for the accuracy of the data you enter. We are not responsible for any financial decisions you make based on information displayed in the app.

See our Privacy Policy for full details on how we handle your data.

6. Intellectual Property

All rights, title, and interest in and to the Service (excluding your data) — including software, design, text, graphics, logos, and the Spendwiser Pro name — are owned by or licensed to us. Nothing in these Terms grants you any right to use our trademarks or branding.

7. Disclaimers

The Service is provided "as is" and "as available" without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Spendwiser Pro is a personal finance tracking tool. It is not a financial adviser, accountant, or tax professional. Nothing in the Service constitutes financial, investment, tax, or legal advice. Always consult a qualified professional for advice specific to your situation.

We do not guarantee that the Service will be error-free, uninterrupted, or free of security vulnerabilities, though we take reasonable steps to ensure all three.

8. Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or in connection with your use of the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claims arising out of or relating to the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or INR 500 (whichever is greater).

9. Termination

We may suspend or terminate your access to the Service at any time if you violate these Terms or if we decide to discontinue the Service, with reasonable notice where practicable.

You may stop using the Service at any time. To delete your cloud account and all associated data immediately, use Settings → Delete Cloud Data in the app, or email us at [email protected]. Subscription cancellation is separate and handled through the App Store or Google Play.

Upon termination, your license to use the Service ends immediately. Sections 6, 7, 8, and 10 survive termination.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in India.

If you are a consumer in the European Union, you may also have the right to use the EU's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

11. Changes to These Terms

We may revise these Terms at any time. We will provide notice of material changes by updating the "Last updated" date above and, where appropriate, via an in-app notification. Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms.

12. Contact

Questions about these Terms? Reach us at: