Spendimo Terms of Use

Effective date: August 1, 2026

These terms are a contract between you and BekApps LLC, a Delaware (USA) limited liability company (“we”, “us”), covering the Spendimo iOS app and the spendimo.com website. By downloading or using Spendimo you accept them. If you don’t agree, please don’t use the app.

We’ve kept these as short and readable as the law allows. The headers are honest summaries, not decoration.

1. What Spendimo is — and what it isn’t

Spendimo is a personal expense-tracking notebook. You type in (or scan) your own transactions; the app organizes them.

Spendimo is not:

• a bank or financial institution — it holds no money and executes no payments;
• connected to your bank — it never accesses bank accounts, cards, or payment credentials, and is not an account information or payment initiation service under PSD2 or any open-banking framework;
• financial, tax, or legal advice — trends, comparisons, and forecasts in the app are plain arithmetic on the numbers you entered, provided for your information only. Decisions about your money are yours.

Currency conversions use the European Central Bank’s published reference rates, republished from our server. They’re indicative rates for convenience — not trading, remittance, or tax-accounting rates — and shown conversions may differ from what a bank or card charged you.

2. Free and Pro

Free includes everything that runs on your iPhone: unlimited entries, receipt scanning, recurring bills, reminders, multi-currency, and CSV export. Free requires no account.

Pro is a paid subscription covering what needs a server: sync and backup across devices, partner sharing, and Trends reports. One Pro subscription covers both linked partners.

An important consequence of the free tier’s design: without Pro sync, your data exists only on your device. If the device is lost, damaged, or the app is deleted, that data cannot be recovered by us or anyone — we never had it. We are not liable for loss of locally-stored data. The app’s free CSV export exists so you can make your own backups; we encourage using it.

3. Your account

You must be at least 18 to create an account. Keep your login credentials safe — actions taken through your account are treated as yours. Give us accurate information; an unreachable email means unrecoverable access. You can delete your account at any time from inside the app (see Section 8).

4. Subscriptions, billing, and refunds

Pro is sold exclusively through Apple’s In-App Purchase system. That means:

• Apple is the merchant. Your purchase contract for the subscription is with Apple, under Apple’s Media Services terms. We never see or store your payment details.
• Pricing and duration are shown in the app before you buy. Payment is charged to your Apple ID account at confirmation of purchase.
• Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Renewal is charged within 24 hours before the period ends, at the then-current price.
• Manage or cancel anytime in your Apple ID subscription settings (the app links there directly). Deleting the app does not cancel a subscription.
• Refunds and the EU/UK 14-day right of withdrawal must be exercised through Apple, because Apple holds the transaction. Request a refund at reportaproblem.apple.com. We have no technical ability to issue App Store refunds ourselves.

If a subscription lapses, Pro features stop but nothing is deleted: your data remains on your device, your synced data remains in your account, and everything free stays free.

5. Partner sharing

Partner sharing lets two linked accounts share individually selected records. What you share is your choice and your responsibility: once your partner has seen a shared record, we cannot un-show it to them. Disagreements between you and your partner about shared records — who owed what, who deleted what — are between the two of you; the app’s approval and dispute tools exist to help, not to arbitrate. Both partners can end the link at any time, which removes shared records from each other’s view.

6. Acceptable use

Don’t use Spendimo to break the law, and don’t attack the service: no attempts to breach, overload, or disrupt our servers, no scraping or abusing the sync API, no reverse engineering or redistribution of the app except to the extent applicable law expressly permits it despite this clause.

7. Your data and our license

Your data is yours. Everything you enter into Spendimo remains your property. For Pro users, you grant us the limited license necessary to store, transmit, and process your entries solely to provide the sync, backup, and sharing service to you — nothing else, consistent with our Privacy Policy. We claim no other rights over your data, and the license ends when the data is deleted.

The app itself — its code, design, and branding — is ours and remains protected by intellectual property law. Your subscription buys use of the service, not ownership of the software.

8. Ending things

You can stop at any time: cancel the subscription with Apple, delete your account in the app (which permanently erases your synced data — see the Privacy Policy for exactly how), or simply delete the app.

We may suspend or terminate accounts that violate these terms or abuse the service. If we ever discontinue the Pro service, we’ll give reasonable notice so you can export your data — the free, on-device app and your local data are unaffected by anything that happens to our servers.

9. Warranty and liability

Spendimo is provided “as is.” We work hard to keep it accurate and available, but we can’t promise it is error-free or uninterrupted, and we make no warranties beyond those the law requires.

To the maximum extent permitted by law, our total liability for any claims arising from the app or these terms is limited to the amount you paid us in the twelve months before the claim. We are not liable for indirect or consequential damages, or for loss of locally-stored data as described in Section 2.

Nothing in these terms limits what cannot legally be limited — including liability for intent or gross negligence, and your statutory rights as a consumer in the EU, UK, Turkey, or elsewhere, which remain fully unaffected.

10. Governing law

These terms are governed by the laws of the State of Delaware, USA — subject to any mandatory consumer protection rights of your country of residence (such as those in the EU), which remain unaffected and may give you additional protections and the right to bring proceedings in your local courts.

11. Changes to these terms

If we change these terms in a way that matters, we’ll update the date above and announce it in the app’s release notes before it takes effect. Continuing to use Spendimo after a change means you accept it; if you don’t, stop using the app and — if you subscribed — cancel with Apple.

12. Contact

BekApps LLC — 1111B S Governors Ave, Suite 29063, Dover, DE 19904, USA Email: [email protected]