Terms of Service

Last updated: March 2026

1. Acceptance of Terms

By accessing or using Spendable, you agree to be bound by these Terms of Service. If you do not agree, please do not use the service. We reserve the right to modify these terms at any time, and continued use of the service constitutes acceptance of any changes.

2. Description of Service

Spendable is a personal finance application that allows users to track bank accounts, cryptocurrency wallets, and stock portfolios in one interface. The service provides budgeting tools, financial insights, and net worth tracking. Spendable is not a financial advisor and does not provide investment advice.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating your account. You agree to notify us immediately of any unauthorized use of your account.

4. Financial Data

Spendable connects to your financial institutions through certified third-party providers using read-only access. We do not have the ability to move, transfer, or modify any funds in your accounts. All connections use bank-level encryption and comply with applicable financial data regulations.

5. Limitation of Liability

Spendable is provided "as is" without warranties of any kind. We are not liable for any financial decisions you make based on information displayed in the app. Cryptocurrency values are volatile and displayed prices may not reflect real-time market conditions. Always verify important financial information with your financial institutions directly.

6. Contact

For questions about these Terms, contact us at hello@spendable.pro.