Terms of Use
Last updated: 2 July 2026 · Effective worldwide
These Terms of Use (the “Terms”) form a legal agreement between you and the independent developer of Spendr, Anton Beliakov (“we”, “us”, or “our”), and govern your access to and use of the Spendr mobile application and this website (together, the “Service”). Please read them carefully. By downloading, installing, or using Spendr, you agree to these Terms. If you do not agree, do not use the Service.
Contents
1. Eligibility
You must be at least the age of majority in your jurisdiction, or old enough to form a binding contract, to use Spendr. If you are a minor, you may use the Service only with the consent and supervision of a parent or legal guardian. By using Spendr you represent that you meet these requirements.
2. Your licence to use Spendr
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to download and use Spendr on devices you own or control, for your own non-commercial, personal expense tracking. This licence does not transfer any ownership rights to you.
3. What Spendr is (and isn’t)
Spendr is a simple tool for manually recording and reviewing your own spending. Spendr is not a bank, financial institution, payment service, accounting product, or provider of financial, tax, investment, or legal advice. The totals, charts, and other figures the App produces are informational summaries of the data you enter and may contain inaccuracies. You are solely responsible for the accuracy of what you record and for any decisions you make based on it. Always consult a qualified professional before making financial decisions.
4. Your data & backups
The expenses you enter are stored on your device. You are responsible for maintaining your own backups. Uninstalling the App, resetting or losing your device, or clearing app data may permanently delete your entries. Where you enable an optional backup or transfer feature, we will make reasonable efforts to store your data securely, but we do not guarantee that data will always be available or recoverable. Handling of your data is described in our Privacy Policy.
5. Purchases, Pro & refunds
Spendr is free to use up to the limits described in the App. We also offer an optional one-time “Pro” upgrade that unlocks additional functionality. Purchases are processed and fulfilled by the applicable app store (Apple App Store or Google Play), and are subject to that store’s terms. Prices may vary by region and may change over time. Because Pro is a one-time purchase, it is not a recurring subscription and does not renew. Refunds, where available, are handled by the app store in accordance with its policies and applicable consumer-protection law; we do not separately process payments and generally cannot issue refunds directly.
6. Acceptable use
You agree not to: (a) copy, modify, reverse-engineer, decompile, or create derivative works of the Service except to the extent permitted by law; (b) use the Service for any unlawful purpose or in violation of any applicable law; (c) attempt to gain unauthorised access to, disrupt, or interfere with the Service or its infrastructure; (d) resell, sublicense, or commercially exploit the Service; or (e) remove or obscure any proprietary notices.
7. Intellectual property
The Service, including its software, design, logo, text, and other content (excluding the data you enter), is owned by Anton Beliakov or his licensors and is protected by copyright, trademark, and other laws. The name “Spendr” and the Spendr logo are our marks and may not be used without prior written permission. All rights not expressly granted to you are reserved.
8. Third-party services
The Service relies on third-party providers (for example Google Firebase, RevenueCat, and the app stores) to function. Your use of those services may be subject to their own terms and privacy policies. We are not responsible for third-party services and disclaim liability for their acts or omissions.
9. Disclaimers
To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any data will be preserved. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.
10. Limitation of liability
To the maximum extent permitted by applicable law, in no event will Anton Beliakov be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, revenue, or goodwill, arising out of or relating to your use of (or inability to use) the Service, even if advised of the possibility of such damages. To the extent liability cannot be excluded, our total aggregate liability arising out of or relating to the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve months before the claim, or (b) USD 25. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including your statutory consumer rights.
11. Indemnity
You agree to indemnify and hold harmless Anton Beliakov from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your misuse of the Service or your violation of these Terms or of any law or third-party right.
12. Changes & termination
We may modify the Service or these Terms at any time. If we make material changes to these Terms, we will update the “Last updated” date above and, where appropriate, provide additional notice. Your continued use after changes take effect constitutes acceptance. We may suspend or terminate your access to the Service if you breach these Terms or where required by law. You may stop using the Service at any time by uninstalling the App.
13. Governing law & disputes
These Terms are governed by the laws of the developer’s place of residence, without regard to its conflict-of-laws rules, except where mandatory local consumer-protection law provides otherwise. If you are a consumer, you benefit from any mandatory provisions of the law of the country in which you reside, and nothing in these Terms affects your rights as a consumer to rely on those provisions. Where permitted, disputes will be resolved in the competent courts of the developer’s place of residence; consumers may also be entitled to bring proceedings in their own country.
14. Apple & Google app-store terms
If you download Spendr from the Apple App Store: these Terms are between you and us only, not Apple; Apple has no obligation to provide support or maintenance for the App; in the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any), and to the maximum extent permitted by law Apple has no other warranty obligation; Apple is not responsible for addressing any claims relating to the App; and Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them. Similar provisions apply where you obtain the App from Google Play, and your use is additionally subject to the Google Play Terms of Service.
15. Contact
Questions about these Terms can be sent to kansio.uusi@gmail.com. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.