Terms of Service

Acceptance of Terms

By accessing or using SpendSync, you agree to be bound by these Terms of Service. If you do not agree to any part of these terms, please do not use the application. Continued use of SpendSync after any changes to these terms constitutes your acceptance of the revised terms.

Description of Service

SpendSync provides tools for personal expense tracking, group bill splitting, UPI settle integration, and financial insights. The service is provided "as-is" without warranties of any kind. We reserve the right to modify, suspend, or discontinue any part of the service at any time with reasonable notice.

User Responsibilities

You are solely responsible for maintaining the security of your account credentials. By using SpendSync, you agree that you will not:

• ✗ Use the service for any unlawful or fraudulent purpose
• ✗ Harass, abuse, or harm other users within Friend Circles
• ✗ Attempt to gain unauthorised access to other users' data
• ✗ Reverse engineer or exploit any part of the application

Limitation of Liability

SpendSync is an expense tracking and splitting tool — it is not a registered financial advisor, bank, or payment processor. We are not responsible for any financial losses, disputes between users, or decisions made based on data or insights within the app. UPI transactions are processed entirely through third-party apps (GPay, PhonePe, Paytm) and SpendSync bears no responsibility for those transactions.

Circles & Group Expense Splitting

SpendSync's Circles feature allows you to create groups and log shared expenses with friends, flatmates, or travel companions. By using this feature, you acknowledge and agree to the following:

• →Accuracy of expense data: You are solely responsible for the accuracy of expenses you log. SpendSync calculates splits based on the data you enter and cannot verify or validate real-world transactions.
• →Consent of group members: By adding a person to a Circle, you represent that you have their consent to share expense data related to them within that group.
• →Disputes between users: SpendSync is a recordkeeping tool, not a mediator or arbitrator. Any financial disputes between Circle members are entirely between those individuals. SpendSync bears no liability for unresolved debts or disagreements arising from shared expenses.
• →Debt simplification results: The debt simplification algorithm minimises the number of payments mathematically. The suggested settlements are a convenience feature — they are not legally binding obligations.
• →No payment processing: SpendSync does not process, hold, or transfer any money. UPI Settle opens a third-party UPI app (GPay, PhonePe, Paytm) with pre-filled details. All payments are governed by those apps' own terms and SpendSync has no visibility into whether a payment was completed.

Intellectual Property

All content, branding, and code within SpendSync is the property of SpendSync and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without explicit written permission.

Governing Law

These terms are governed by the laws of India. Any disputes arising from the use of SpendSync shall be subject to the exclusive jurisdiction of the courts of India.