Terms of Service

1. Eligibility and Acceptance

By using MySpendJournal, you confirm that you are at least 18 years old or otherwise legally permitted to use the Service under applicable law.

You agree to comply with these Terms and all applicable laws, regulations, and platform requirements.

2. Changes to These Terms

We may update or modify these Terms at any time. When updates are made, we will revise the "Last Updated" date at the top of this page.

Continued use of the Service after updates become effective constitutes acceptance of the revised Terms.

3. Your Account

Account Responsibilities

To access certain features, you may be required to create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Promptly update account information when necessary
• Be responsible for activities occurring under your account
• Notify us of unauthorized access or security concerns

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Financial Disclaimer

MySpendJournal is a budgeting and financial organization tool only.

The Service does not provide financial, investment, tax, accounting, legal, or professional advice.

Any financial decisions you make based on information entered into or generated by the Service are made solely at your own risk.

5. Data Accuracy and Imported Content

You are solely responsible for the accuracy and completeness of information entered into the Service.

MySpendJournal may allow users to upload:

• CSV files
• PDF bank statements
• Receipts
• Transaction exports

Automated transaction imports, categorization, duplicate detection, or financial parsing features may contain errors, inaccuracies, or incomplete information.

Users are responsible for reviewing imported or automatically processed data for accuracy before relying on it.

6. Subscription Plans and Billing

Certain features of the Service may require a paid subscription.

Free Trials

MySpendJournal may offer free trial periods for premium features. At the end of the trial period, access may automatically downgrade or convert to a paid subscription depending on the selected plan.

Recurring Billing

Paid subscriptions may renew automatically on a recurring basis unless canceled before the renewal date.

Payment Processing

Payments may be processed through third-party providers such as:

• PayPal
• Google Play
• Amazon Appstore
• Microsoft Store

Billing disputes, refunds, and cancellations may also be subject to the policies of those third-party providers.

7. Acceptable Use

You agree not to:

• Use the Service for unlawful purposes
• Attempt to gain unauthorized access to systems or accounts
• Upload malicious software or harmful content
• Interfere with the operation or security of the Service
• Use automated scraping or abuse systems
• Impersonate another person or organization
• Upload content that violates intellectual property rights

8. User Content and Uploaded Files

Users retain ownership of the content and documents they upload to the Service.

By uploading content, you grant MySpendJournal a limited license to process, store, display, and analyze that content solely for providing and improving the Service.

You are responsible for ensuring you have the legal right to upload and use any files or content submitted to the Service.

9. Gamification Features

MySpendJournal may offer optional engagement systems such as:

• Coins
• Rewards
• Streaks
• Achievements
• Leaderboards

These features are provided for entertainment and engagement purposes only.

Coins, rewards, badges, and similar virtual items have no cash value and may be modified, reset, or removed at any time.

10. Intellectual Property

The Service, including its software, branding, design, logos, graphics, text, and functionality, is the property of MySpendJournal and is protected by copyright, trademark, and other applicable laws.

You may not reproduce, distribute, modify, reverse engineer, or exploit the Service without prior written permission.

11. Third-Party Services

The Service may integrate with or contain links to third-party services, including payment providers, analytics services, and calendar integrations.

We are not responsible for the content, privacy practices, availability, or security of third-party services.

12. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis.

MySpendJournal makes no guarantees regarding:

• Availability or uptime
• Accuracy of imported or processed financial data
• Error-free operation
• Security or uninterrupted access
• Compatibility with all devices or platforms

Use of the Service is at your own risk.

13. Limitation of Liability

To the maximum extent permitted by law, MySpendJournal and its affiliates shall not be liable for:

• Financial losses
• Missed payments or budgeting errors
• Data loss
• Service interruptions
• Indirect or consequential damages
• Loss of profits, goodwill, or opportunities

Your use of the Service is entirely at your own risk and discretion.

14. Account Suspension and Termination

We reserve the right to suspend or terminate accounts that violate these Terms or abuse the Service.

Reasons for termination may include:

• Fraudulent activity
• Abusive behavior
• Security threats
• Violation of applicable laws
• Repeated Terms violations

15. Governing Law

These Terms shall be governed and interpreted in accordance with the laws of the State of North Carolina, United States, without regard to conflict of law principles.

16. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Contact Us