Terms of Service

1. Use of Service

1.1 Eligibility

You must be at least 18 years old to use Spend Sense. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

1.2 Waitlist registration

The Spend Sense app does not require an account to function. If you join our email waitlist on the Spend Sense website, you provide only your email address. We use this email solely to:

• Notify you when the app launches or major updates ship.
• Optionally invite you to private beta programs or surveys.

You may unsubscribe at any time by using the link in any email or by contacting us directly. We do not use waitlist addresses for third-party advertising, and we do not sell or share them with data brokers.

1.3 Acceptable use

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws.
• Attempt to gain unauthorized access to the Service or related systems.
• Interfere with or disrupt the Service or servers.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Transmit any viruses, malware, or harmful code.
• Violate any third-party rights, including intellectual property rights.

3. Intellectual property

3.1 Our rights

The Service, including its original content, features, functionality, and design, is owned by Spend Sense LLC and is protected by intellectual property laws worldwide.

3.2 Your rights

We grant you a limited, non‑exclusive, non‑transferable, revocable license to use the Service for personal, non‑commercial purposes in accordance with these Terms.

3.3 Trademarks

"Spend Sense," the Spend Sense logo, and other marks are trademarks of Spend Sense LLC. You may not use these marks without our prior written permission.

4. Limitation of liability

Spend Sense is a tool to help you track and understand your finances. You remain solely responsible for your financial decisions and outcomes. Always verify important information independently.

6. Termination

6.1 By you

You may stop using the Service at any time. Because your data is stored on your device, deleting the app removes your local data. If we later offer optional cloud sync, separate instructions will explain how to delete synced data.

6.2 By us

We may suspend or terminate your access to the Service if you materially breach these Terms, misuse our services, or engage in conduct that we reasonably determine is harmful to other users or our business.

7. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page and, where appropriate, provide additional notice (for example, via the website or in‑app messaging).

Your continued use of the Service after the updated Terms become effective constitutes your acceptance of the changes.

8. Governing law & disputes

8.1 Governing law

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles. Any claim not subject to arbitration (as described below) shall be brought exclusively in the state or federal courts located in Cook County, Illinois.

8.2 Binding arbitration & class action waiver

Except for claims that may be brought in small claims court or certain intellectual property disputes, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service will be resolved through binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The seat of arbitration will be Cook County, Illinois.

• Small claims exception. Either party may bring an individual claim in small claims court for disputes under USD $5,000.
• IP exception. Claims involving misuse of intellectual property rights (e.g., trademarks, copyrights) may be brought in court rather than arbitration.
• Class action waiver. You agree that disputes will be resolved on an individual basis and that you will not participate in any class, collective, or representative action against us.

Opt‑out. You may opt out of this arbitration agreement within 30 days of first using the Service by emailing legal@spendsenseapp.com with the subject line "Arbitration Opt‑Out" and a statement that you wish to opt out. Opting out will not affect your other rights or obligations under these Terms.