Legal
Last updated: 2026-02-21 · Effective: 2026-03-23
Contents
By accessing or using Spentio ("Service," "Platform," "we," "us," or "our"), operated by Spentio ("Company"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service.
These Terms apply to all visitors, registered users, and any person or entity that accesses the Service in any capacity.
These Terms incorporate by reference our Privacy Policy and Cookie Policy, which describe how we collect, use, and protect your personal data.
We reserve the right to update these Terms in accordance with Section 18 below. Material changes will be communicated with at least 30 days' prior notice. Continued use of the Service after the effective date of changes constitutes acceptance of the modified Terms.
For the purposes of these Terms:
To use our Service, you must:
If you are using the Service on behalf of a business, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and the term "you" shall refer to that entity.
You must create an account to use most features of the Service. You are responsible for:
You must use a strong, unique password and enable two-factor authentication when available. We implement industry-standard security measures to protect your account, but we cannot guarantee absolute security. We are not liable for losses caused by unauthorized access to your account resulting from your failure to safeguard your credentials.
Each individual may maintain only one free account. Creating multiple accounts to abuse promotions, circumvent usage limits, or evade restrictions is prohibited and may result in termination of all associated accounts without refund.
You agree to provide truthful, accurate, and complete information when creating your account and to update such information promptly when it changes. We reserve the right to suspend accounts that contain materially inaccurate information.
Spentio is a personal expense tracking tool that helps you manage, categorize, and analyze your spending. The Service is designed for informational and personal budgeting purposes only.
The Service uses artificial intelligence and machine learning to:
In accordance with the EU AI Act (Regulation (EU) 2024/1689), we disclose that these features are powered by automated processing. AI-generated outputs are probabilistic in nature and may contain inaccuracies. You acknowledge that:
Any banking product comparisons, spending insights, or financial information provided through the Service are for general informational purposes only and do not constitute personalized financial advice. You should consult a qualified professional for advice specific to your situation.
We strive to maintain high availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.
You agree NOT to:
Spentio offers a free tier with limited functionality. Feature limitations are described on our pricing page. We reserve the right to modify free tier features with reasonable notice.
By subscribing, you agree to pay the applicable fees. Subscription fees are billed in advance, inclusive of applicable taxes, and subject to change upon 30 days' prior written notice.
Subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date via Settings → Subscription → Cancel.
Payments are processed by Stripe, Inc., a PCI DSS Level 1 certified payment processor. We do not store your full credit card number on our servers.
If payment fails, we will attempt to process it again and notify you by email. If payment remains unsuccessful, we may downgrade your account to the free tier with at least 7 days' notice.
If you are a consumer in the EU or EEA, you have the right to withdraw from your subscription within 14 days of purchase without giving any reason. To exercise this right, contact us at support@spentioapp.com.
If you withdraw, we will reimburse all payments received from you without undue delay and no later than 14 days from the date we are informed of your decision, using the same payment method as the original transaction.
If you request to begin using Premium Features immediately, you acknowledge that you will lose your right of withdrawal once the digital content has been fully provided, provided that you gave prior express consent.
The Service, including all software, algorithms, AI models, user interfaces, designs, text, graphics, logos, and documentation, is owned by or licensed to Spentio and is protected by international intellectual property laws.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business expense tracking purposes.
Except as expressly permitted by applicable law, you may not copy, modify, reverse engineer, decompile, or create derivative works based on the Service, or use our trademarks without prior written permission.
You retain all ownership rights in the Financial Data and User Content you upload to or create within the Service. We claim no ownership over your data.
By using the Service, you grant us a limited, non-exclusive, worldwide license to process, store, and display your User Content solely for the purposes of providing the Service and generating AI-powered insights for your use. This license terminates when you delete your account.
Where we process your Personal Data, we do so in accordance with our Privacy Policy and applicable data protection law, including the GDPR. We act as the data controller for Personal Data processed through the Service.
You are responsible for the accuracy and legality of data you upload. You should verify AI-assisted categorization and parsing. We are not responsible for errors resulting from incorrect or incomplete data.
You may export your data at any time through the Service in standard, machine-readable formats (CSV, PDF). This right exists in addition to your data portability rights under Article 20 of the GDPR.
Upon account deletion, we will delete your User Content and Personal Data in accordance with our Privacy Policy. Certain data may be retained where required by law. Aggregated, anonymized data that cannot identify you may be retained indefinitely.
The Service integrates with third-party services including authentication providers, payment processors (Stripe), cloud infrastructure providers (Microsoft Azure), and AI model providers. Your use of those services is governed by their respective terms and privacy policies. We are not responsible for the availability or practices of third-party services.
We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. EU consumers: This disclaimer does not affect your mandatory statutory warranty rights under Directive (EU) 2019/770.
Our total aggregate liability shall not exceed the greater of: (a) the total amount you paid us in the 12 months preceding the event, or (b) one hundred euros (€100). This limitation does not apply to death or personal injury caused by our negligence, fraud, or any liability that cannot be excluded under mandatory law.
To the extent permitted by applicable law, you agree to indemnify and hold harmless Spentio and its officers, directors, employees, and affiliates from any claims, damages, and expenses arising out of your use of the Service in violation of these Terms, your violation of any applicable law, or any User Content you upload that is inaccurate or unlawful.
You may close your account at any time through Settings → Account → Delete Account, or by emailing support@spentioapp.com. Deletion requests are processed within 30 days.
We may suspend or terminate your account if you materially violate these Terms, engage in fraudulent or illegal activity, fail to pay subscription fees after reasonable notice, or have been inactive for 12 or more consecutive months (free accounts only, with 30 days' email notice).
Upon termination, your right to access the Service ceases immediately or at the end of your current billing period. Provisions that by their nature should survive termination shall survive.
Before initiating formal legal proceedings, contact us at legal@spentioapp.com. Both parties agree to negotiate in good faith for at least 60 days.
These Terms shall be governed by the laws of Switzerland, without regard to its conflict of law provisions.
Subject to mandatory consumer protection provisions, disputes shall be submitted to the exclusive jurisdiction of the courts of Zurich, Switzerland.
If you are a consumer in the EU/EEA, you have the right to bring legal proceedings in the courts of your country of habitual residence. You may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
Mandatory consumer protection laws of your country of residence apply to the extent they provide a higher level of protection than these Terms. Your rights under the GDPR, Consumer Rights Directive, and applicable national legislation are not affected.
If you are a consumer in the United Kingdom, the Consumer Rights Act 2015 and UK GDPR apply. Your statutory rights are not affected by these Terms.
If you are a resident of California, you have rights under the CCPA/CPRA as described in our Privacy Policy. We do not sell your personal information.
If you are a resident of Switzerland, the Swiss Federal Act on Data Protection (nDSG/nLPD) applies in addition to these Terms.
We may modify these Terms from time to time. For material changes, we will provide at least 30 days' notice via email or in-app notification. Continued use of the Service after the effective date constitutes your acceptance of the modified Terms.
If any provision of these Terms is found invalid or unenforceable, it shall be modified to the minimum extent necessary to make it valid, or severed. The remaining provisions continue in full force.
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Spentio regarding your use of the Service.
You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets.
Our failure or delay in exercising any right shall not constitute a waiver of that right. Any waiver must be in writing and signed by us.
Neither party shall be liable for failure to perform due to circumstances beyond its reasonable control, including natural disasters, pandemics, acts of government, power or internet outages, or cyberattacks.
Notices to us shall be sent to legal@spentioapp.com. Notices to you will be sent to the email address associated with your account.
For questions, concerns, or notices regarding these Terms:
Spentio
Legal: legal@spentioapp.com
Support: support@spentioapp.com
Security: security@spentioapp.com
Data protection: privacy@spentioapp.com
We aim to respond to all inquiries within 5 business days. GDPR requests are answered within 30 days as required by law.