Terms of Use

Eligibility & Account Creation

To use certain features, you must create an account and be at least 13 years old. You agree to provide accurate and complete information and to keep your login credentials secure.

We reserve the right to suspend or terminate your account if you violate these Terms.

Acceptable Use

You agree not to:

• Use the Services for unlawful purposes
• Post or transmit offensive, harmful, or misleading content
• Reverse-engineer or attempt to interfere with our software
• Use bots, scrapers, or unauthorized tools to access our data

Financial Disclaimer

SmrtSpending provides educational tools and financial visualizations for informational purposes only. We are not a licensed financial advisor, investment firm, or tax consultant. You are solely responsible for your financial decisions.

Intellectual Property

All content on SmrtSpending, including text, tools, visuals, code, logos, and branding, is the property of SmrtSpending or its licensors and protected by intellectual property laws.

You may not copy, distribute, or modify our content without written permission.

Termination

We may suspend or terminate your access at any time for violations of these Terms. You may also delete your account at any time from within the app.

Limitation of Liability

To the fullest extent permitted by law, SmrtSpending is not liable for any damages resulting from:

• Your use of or reliance on our Services
• Loss of data, profits, or access
• Technical errors or service interruptions

Changes to These Terms

We may update these Terms from time to time. Your continued use of SmrtSpending after any update constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws principles.