Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of Spentiva's expense tracking platform, including our website, mobile applications, WhatsApp integration, and related services (collectively, the "Services"). By creating an account or using our Services, you agree to these Terms.

If you do not agree to these Terms, you must not access or use our Services.

2. Eligibility

To use Spentiva, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations

3. Account Registration

3.1 Account Creation

• You must register for an account to use most Services
• Provide accurate, current, and complete information
• Verify your phone number through OTP authentication
• Choose between personal or business account types

3.2 Account Security

• You are responsible for maintaining account confidentiality
• Do not share your login credentials with others
• Notify us immediately of unauthorized access
• We are not liable for losses due to unauthorized use

3.3 Account Termination

• You may close your account at any time
• We may suspend or terminate accounts for Terms violations
• Upon termination, you lose access to all account data
• We will retain data as required by law or policy

4. Subscription and Billing

4.1 Plans and Pricing

• Free Plan: Limited features, available indefinitely
• Pro Plan: $9.99/month, advanced features included
• Business Plan: $29.99/month, team collaboration features

4.2 Payment Terms

• Subscription fees are billed in advance
• Charges occur on the same day each billing period
• All fees are in USD unless otherwise stated
• Taxes may apply based on your location

4.3 Refunds and Cancellations

• 30-day money-back guarantee on first purchase
• Cancel anytime; access continues until period end
• No refunds for partial months
• Contact support for refund requests

5. Acceptable Use

You agree NOT to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit malicious code or viruses
• Attempt unauthorized access to our systems
• Use automated systems to scrape or extract data
• Impersonate others or provide false information
• Interfere with other users' use of Services
• Reverse engineer or decompile our software

6. Intellectual Property

6.1 Our Rights

All content, features, and functionality of Spentiva are owned by Exyconn and protected by copyright, trademark, and other intellectual property laws. This includes:

• Software code and algorithms
• AI models and training data
• User interface designs
• Logos, branding, and trademarks
• Documentation and content

6.2 Your Rights

You retain ownership of your expense data and content. By using our Services, you grant us a license to:

• Store and process your data
• Use data to improve AI models (anonymized)
• Display your data back to you through our Services
• Create backups and ensure service availability

7. Data Privacy and Security

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We implement:

• Bank-level encryption (AES-256)
• Secure data transmission (TLS 1.3)
• Regular security audits
• Compliance with data protection regulations

8. Disclaimers

8.1 Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted service. Services may be unavailable due to:

• Scheduled maintenance
• Technical issues or outages
• Third-party service disruptions
• Force majeure events

8.2 Accuracy of Information

While our AI strives for accuracy, we do not guarantee:

• 100% accurate expense categorization
• Perfect natural language understanding
• Error-free financial insights

You are responsible for verifying all data and decisions.

8.3 Financial Advice

Spentiva provides expense tracking tools and insights but does NOT provide:

• Professional financial advice
• Tax preparation or legal counsel
• Investment recommendations

Consult qualified professionals for financial decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to fees paid in the past 12 months
• We are not responsible for third-party service failures
• You use our Services at your own risk

10. Indemnification

You agree to indemnify and hold harmless Spentiva and Exyconn from claims arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of third-party rights
• Content you submit through our Services

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.

11.2 Arbitration

Any disputes will be resolved through binding arbitration rather than in court, except you may assert claims in small claims court.

12. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via:

• Email to your registered address
• In-app notification
• Website banner

Continued use after changes constitutes acceptance. If you disagree, you must stop using our Services.

13. Miscellaneous

13.1 Entire Agreement

These Terms constitute the entire agreement between you and Spentiva.

13.2 Severability

If any provision is found invalid, the remaining provisions remain in effect.

13.3 No Waiver

Our failure to enforce any right does not waive that right.

13.4 Assignment

You may not assign these Terms. We may assign them without notice.

14. Contact Information

For questions about these Terms, contact us: