Terms of Service

Last updated: March 23, 2026

By accessing or using SpendPeel, you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use the app or website.

1. Use of the Service

SpendPeel is provided to help users manage personal finances, budgets, goals, subscriptions, and related financial records. You agree to use the service only for lawful purposes and in a way that does not misuse, disrupt, or interfere with the app, website, or related systems.

2. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate information and to notify us promptly if you believe your account has been accessed without authorization.

3. Your Data

You retain ownership of the financial data, account information, and records you enter into SpendPeel. By using the service, you grant us the limited rights needed to store, process, sync, and display that data so the app can function as intended. For more details on how information is handled, please review our Privacy Policy.

4. Acceptable Use

• You must not use SpendPeel for fraudulent, unlawful, or misleading activity.
• You must not attempt to reverse engineer, disrupt, or compromise the app or website.
• You must not attempt to access accounts, data, or systems that do not belong to you.
• You must not use automated means to abuse or overload the service.

5. Availability and Changes

We may modify, improve, suspend, or discontinue parts of SpendPeel at any time. We do not guarantee uninterrupted availability and may release updates, security patches, or force-update requirements when necessary to maintain reliability and safety.

6. Third-Party Services

SpendPeel may rely on third-party platforms such as Firebase and device-level services for authentication, cloud data storage, notifications, or related features. Your use of those services may also be subject to their own terms and policies.

7. Disclaimer

SpendPeel is a financial organization and tracking tool, not a bank, broker, accountant, tax advisor, or legal advisor. Information shown in the app is for personal management purposes only and should not be considered professional financial, investment, tax, or legal advice.

8. Limitation of Liability

To the fullest extent permitted by law, SpendPeel and its operators will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or business opportunities arising from your use of the service.

9. Termination

You may stop using SpendPeel at any time. We may suspend or terminate access if we reasonably believe these terms have been violated, if required by law, or if continued access creates risk to the service or other users.

10. Contact