Last updated: November 26, 2025
We are Spendify Money LLC ("Company," "we," "us," "our"), a company registered in California, United States at 1301 N Broadway STE 32409, Los Angeles, CA 90012.
We operate the mobile application Spendify (the "App"), the website spendify.money, as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").
We will provide you with prior notice of any scheduled changes to the Services you are using. The modified Legal Terms will become effective upon posting or notifying you by support@spendify.money, as stated in the email message. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Spendify Money LLC, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
Spendify is an AI-powered personal finance application designed to help you understand your spending patterns, create budgets, and develop strategies to pay off debt. You can contact us by email at support@spendify.money or by mail to 1301 N Broadway STE 32409, Los Angeles, CA 90012, United States.
The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.
IMPORTANT NOTICE: SPENDIFY IS NOT A BANK, CREDIT UNION, OR OTHER FINANCIAL INSTITUTION. WE DO NOT HOLD YOUR MONEY, MAKE LOANS, OR PROVIDE INVESTMENT ADVICE. SPENDIFY PROVIDES TOOLS AND INFORMATION TO HELP YOU UNDERSTAND AND MANAGE YOUR PERSONAL FINANCES. ANY FINANCIAL RECOMMENDATIONS, DEBT PAYOFF STRATEGIES, OR SPENDING SUGGESTIONS PROVIDED THROUGH THE SERVICES ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED PROFESSIONAL FINANCIAL ADVICE. YOU SHOULD CONSULT WITH A QUALIFIED FINANCIAL ADVISOR BEFORE MAKING ANY SIGNIFICANT FINANCIAL DECISIONS.
We recommend that you print a copy of these Legal Terms for your records.
1. OUR SERVICES 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. USER REGISTRATION 5. SUBSCRIPTIONS 6. FINANCIAL ACCOUNT CONNECTIONS 7. PROHIBITED ACTIVITIES 8. USER GENERATED CONTRIBUTIONS 9. CONTRIBUTION LICENSE 10. MOBILE APPLICATION LICENSE 11. FINANCIAL RECOMMENDATIONS AND INSIGHTS 12. USE OF ARTIFICIAL INTELLIGENCE 13. THIRD-PARTY WEBSITES AND CONTENT 14. SERVICES MANAGEMENT 15. PRIVACY POLICY 16. COPYRIGHT INFRINGEMENTS 17. TERM AND TERMINATION 18. MODIFICATIONS AND INTERRUPTIONS 19. GOVERNING LAW 20. DISPUTE RESOLUTION 21. CORRECTIONS 22. DISCLAIMER 23. LIMITATIONS OF LIABILITY 24. INDEMNIFICATION 25. USER DATA 26. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 27. CALIFORNIA USERS AND RESIDENTS 28. MISCELLANEOUS 29. CONTACT US
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.
Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to: access the Services; and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose.
Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.
Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.
Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.
You are responsible for what you post or upload: By sending us Submissions through any part of the Services you: confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading.
To the extent permissible by applicable law, you waive any and all moral rights to any such Submission; you warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and you warrant and represent that your Submissions do not constitute confidential information.
You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.
By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle is monthly or annual, depending on the subscription plan you select.
Subscriptions are managed through RevenueCat and processed by the Apple App Store or Google Play Store, depending on your device. All billing, payment processing, and subscription management are subject to the terms and policies of these platforms in addition to these Legal Terms.
You can cancel your subscription at any time through your Apple App Store or Google Play Store account settings. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at support@spendify.money.
We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.
The Services allow you to connect your external financial accounts (such as bank accounts, credit cards, loans, and investment accounts) through our third-party service provider, Plaid Inc. ("Plaid"). By connecting your financial accounts through Plaid, you acknowledge and agree to the following:
Authorization: You authorize Plaid to access your financial account information on your behalf, including account balances, transaction history, interest rates, credit limits, minimum payments, due dates, and other account details. You represent that you have the authority to grant this access and that the accounts you connect belong to you.
Third-Party Terms: Your use of Plaid's services is subject to Plaid's End User Privacy Policy (available at https://plaid.com/legal/) and any other applicable Plaid terms. We encourage you to review Plaid's privacy policy to understand how your data is collected, used, and protected.
Data Accuracy: While we strive to display accurate financial information, we rely on data provided by Plaid and your financial institutions. We are not responsible for any inaccuracies, delays, or errors in the data provided by Plaid or your financial institutions.
Security: Plaid uses bank-level security measures to protect your financial credentials. Your login credentials are encrypted and are not stored on our servers. However, no method of transmission over the Internet or method of electronic storage is 100% secure.
Disconnection: You may disconnect your financial accounts at any time through the Services. Upon disconnection, we will no longer have access to new data from those accounts, though we may retain historical data as described in our Privacy Policy.
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to: Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us; Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords; Circumvent, disable, or otherwise interfere with security-related features of the Services; Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services; Use any information obtained from the Services in order to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct; Use the Services in a manner inconsistent with any applicable laws or regulations; Engage in unauthorized framing of or linking to the Services; Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party's uninterrupted use and enjoyment of the Services; Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
Attempt to impersonate another user or person or use the username of another user; Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism; Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services; Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you; Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code; Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services; Delete the copyright or other proprietary rights notice from any Content; Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise; Sell or otherwise transfer your profile.
The Services does not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites.
As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that the creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights of any third party.
You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings). By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.
If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Legal Terms.
You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (4) remove, alter, or obscure any proprietary notice posted by us or the licensors of the App; (5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended.
(6) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (7) use the App to send automated queries to any website or to send any unsolicited commercial email; or (8) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.
The following terms apply when you use the App obtained from either the Apple Store or Google Play (each an "App Distributor") to access the Services: (1) the license granted to you for our App is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor's terms of service; (2) we are responsible for providing any maintenance and support services with respect to the App as specified in the terms and conditions of this mobile application license contained in these Legal Terms or as otherwise required under applicable law.
(3) App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the App; (4) in the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App.
(5) you represent and warrant that (i) you are not located in a country that is subject to a US government embargo, or that has been designated by the US government as a "terrorist supporting" country and (ii) you are not listed on any US government list of prohibited or restricted parties; (6) you must comply with applicable third-party terms of agreement when using the App; and (7) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Legal Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Legal Terms against you as a third-party beneficiary thereof.
The Services may provide financial recommendations, debt payoff strategies, spending suggestions, budget allocations, and other financial insights (collectively, "Financial Recommendations"). By using the Services and receiving Financial Recommendations, you acknowledge and agree to the following:
Educational Purpose Only: All Financial Recommendations provided through the Services are for educational and informational purposes only. They are designed to help you understand your financial situation and explore potential strategies, but they are not intended to be, and should not be construed as, professional financial advice.
Not Professional Advice: Spendify is not a registered investment adviser, financial planner, certified financial planner, tax advisor, or licensed financial professional. The Financial Recommendations do not constitute investment advice, tax advice, legal advice, or any other form of professional financial advice.
Your Responsibility: You are solely responsible for evaluating any Financial Recommendations and for any decisions you make based on such recommendations. You should independently verify all information and consider your own personal financial circumstances before taking any action.
No Guarantees: We make no representations, warranties, or guarantees regarding the accuracy, completeness, timeliness, or suitability of any Financial Recommendations for your particular circumstances. Financial Recommendations are generated based on the data you provide and general financial principles, and may not account for all factors relevant to your situation.
Consult Professionals: Before making any significant financial decisions, including but not limited to debt repayment strategies, budget allocations, or spending changes, you should consult with qualified financial, tax, and legal professionals who can provide advice tailored to your specific situation.
No Liability: To the maximum extent permitted by applicable law, you agree to hold harmless and indemnify Spendify Money LLC, its officers, directors, employees, and agents from and against any claims, damages, losses, or expenses arising from your reliance on or use of any Financial Recommendations provided through the Services.
Debt Payoff Strategies: The debt payoff strategies offered through the Services (including but not limited to snowball, avalanche, and credit score optimization methods) are general approaches that may or may not be suitable for your specific circumstances. The projected payoff dates, interest savings, and other calculations are estimates based on the information available and assume consistent payments and no changes to your debts. Actual results may vary significantly.
The Services utilize artificial intelligence ("AI") technologies to provide personalized financial insights, recommendations, and analysis. By using the Services, you acknowledge and agree that:
AI Limitations: AI-generated content and recommendations may not always be accurate, complete, or appropriate for your specific circumstances. AI systems can make errors, misinterpret data, or provide recommendations that do not account for all relevant factors.
Human Oversight: You should always apply your own judgment when evaluating AI-generated recommendations and should not rely solely on AI outputs for important financial decisions.
Data Processing: Your financial data may be processed by AI systems to generate insights and recommendations. We implement appropriate security measures to protect your data during AI processing.
Continuous Improvement: Our AI systems may learn and improve over time based on aggregated and anonymized user data. Individual user data used for AI improvement will be anonymized in accordance with our Privacy Policy.
The Services may contain (or you may be sent via the App) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services.
Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern.
We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
We care about data privacy and security. Please review our Privacy Policy: spendify.money/privacy-policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.
We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a "Notification"). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.
SPENDIFY IS NOT A BANK, CREDIT UNION, OR OTHER FINANCIAL INSTITUTION. WE DO NOT HOLD YOUR MONEY, MAKE LOANS, OR PROVIDE INVESTMENT ADVICE. THE SERVICE IS DESIGNED TO HELP YOU UNDERSTAND YOUR FINANCES AND CREATE STRATEGIES FOR DEBT PAYOFF AND BUDGETING. ANY FINANCIAL DECISIONS YOU MAKE BASED ON INFORMATION PROVIDED THROUGH OUR SERVICE ARE YOUR OWN RESPONSIBILITY.
We recommend that you print a copy of these Legal Terms for your records.
16. COPYRIGHT INFRINGEMENTS 17. TERM AND TERMINATION 18. MODIFICATIONS AND INTERRUPTIONS 19. GOVERNING LAW 20. DISPUTE RESOLUTION 21. CORRECTIONS 22. DISCLAIMER 23. LIMITATIONS OF LIABILITY 24. INDEMNIFICATION 25. USER DATA 26. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 27. CALIFORNIA USERS AND RESIDENTS 28. MISCELLANEOUS 29. CONTACT US
These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
