Terms of Service
Last updated September 15, 2026
Spent (“the app,” “we,” “us”) is a personal finance tracker: you manually record accounts, transactions, budgets, and goals so you can see where your money goes. By creating an account or using Spent, you agree to these terms.
What Spent is (and isn't)
Spent does not connect to your bank, card, or brokerage accounts, and it does not move, hold, or have access to your actual money. Every account balance and transaction in the app is something you (or an import you provide) entered by hand. Currency conversion figures shown for cross-currency transfers use a third-party exchange-rate feed for reference only and are not guaranteed to match the rate your bank or card issuer actually applies.
Nothing in Spent is financial, investment, tax, or legal advice — it's a record-keeping tool. Decisions you make based on what you enter or see in the app are your own responsibility.
Your account
You're responsible for keeping your password confidential and for anything that happens under your account. Give us an email address you actually control — some features (verification, password reset, security notices) depend on it. One account per person.
Acceptable use
Using Spent to do anything unlawful, to disrupt the service, or to access data that isn't yours is not allowed — see our Acceptable Use Policy for specifics. We can suspend or terminate an account that violates it.
Your data
You own the financial data you enter. We don't claim any rights to it beyond what's needed to run the app and provide support. You can download a full backup of your data at any time from Backup & restore in Profile, and you can ask us to delete your account and data — see our Privacy Policy.
No warranty, limited liability
Spent is provided “as is,” without warranty of any kind, and without a guaranteed uptime. To the extent the law allows, we're not liable for indirect, incidental, or consequential damages arising from your use of the app — including decisions made based on data you entered incorrectly or a service interruption.
Changes
We may update these terms as the app changes. Material changes will update the date above; continuing to use Spent after that means you accept the revised terms.
Contact
Questions about these terms: help@spentonline.in.