By creating an account or using Spendplan ("the App"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the App.
These Terms constitute a legally binding agreement between you and Spendplan LLC ("the Company," "we," "us," "our"), a Virginia limited liability company.
You must be at least 18 years old to use the App. By creating an account, you represent that you are at least 18.
The App is invite-only. You must have a valid invite code to create an account. During registration, you will provide an email address, create a password, and generate an encryption keypair on your device. Your public key is uploaded to our servers; your private key never leaves your device.
You are responsible for maintaining the security of your account credentials and your device. We cannot recover your private encryption key. If you lose access to your private key, messages encrypted with that key cannot be recovered by anyone, including us.
Each person may hold one account. You may not create multiple accounts.
Access to the App's core features requires an active subscription. Some features (public key lookup, national statistical defaults) remain available without an active subscription.
The App offers subscription tiers with different feature sets. Current tiers and pricing are displayed in the App and on our website. We may change pricing for future subscription periods with advance notice.
Apple In-App Purchase: If you subscribe through the App, your purchase is processed by Apple. Apple's terms and refund policies apply. Subscription management (cancellation, changes) is handled through your Apple ID settings.
Paddle (Web): If you subscribe through our website, your purchase is processed by Paddle, which acts as our Merchant of Record. Paddle's terms apply to the payment transaction. Paddle handles sales tax/VAT collection, refunds, and chargebacks. Subscription management is available through the Paddle customer portal.
If you link with a partner, one subscription covers both accounts. The primary subscriber is responsible for payment. If the partner link is dissolved, the non-paying partner has a grace period to obtain their own subscription.
Subscriptions renew automatically at the end of each billing period unless cancelled. You may cancel at any time; your subscription remains active through the end of the current paid period.
If a payment fails, your account enters a grace period during which you retain full access. If payment is not resolved within the grace period, your account lapses. Lapsed accounts retain your data but restrict access to subscription-required features. You may resubscribe at any time to restore full access.
You agree not to:
We may suspend or terminate accounts that violate these terms.
Our Privacy Policy describes what data we collect, what we can observe, what we can't, and how we handle it. Key points:
The Privacy Policy is incorporated into these Terms by reference.
Messages between users are end-to-end encrypted. Our servers relay encrypted data that we cannot decrypt. We do not have access to your private encryption key.
While we cannot read message content, operating the service requires us to see certain metadata: who sends messages to whom, when, message sizes, IP addresses, and how often your device connects. Our Privacy Policy (Section 7) describes this in full detail, including what patterns can be inferred from metadata.
Because of end-to-end encryption, we cannot:
You are responsible for safeguarding your private encryption key and the content you share through the App. If you share your encryption keys or device access with others, the security of your communications depends on those parties.
Each user receives a limited number of invite codes. You are not responsible for the behavior of people you invite, but you should only invite people you personally know and trust.
Connecting with another user enables encrypted message exchange between you. You can remove a connection at any time. Removing a connection stops message routing between you but does not delete messages already delivered to either device.
The App may offer optional peer-to-peer contact discovery using a cryptographic protocol. This process runs between your device and another user's device through the encrypted message relay. Our server relays the encrypted data but cannot determine what contacts are being compared or what matches are found.
You retain ownership of all content you create in the App. Since your content lives on your device and messages are end-to-end encrypted, we do not claim any rights to your content and could not exercise such rights even if claimed.
The App, its design, branding, and server software are the property of the Company. These Terms grant you a limited, non-exclusive, non-transferable license to use the App for its intended purpose while you maintain an account.
Statistical data served through the App is derived from public U.S. government sources (Census Bureau, Bureau of Labor Statistics) and is in the public domain. Our specific compilations, presentations, and derived calculations are our work product.
The App provides tools for personal financial organization and peer comparison using public statistical data. It does not provide financial advice, tax advice, investment advice, or any other professional advice. Consult qualified professionals for financial decisions.
Peer comparison features use publicly available statistical data. These comparisons are approximate and are provided for informational purposes only. We do not guarantee the accuracy, completeness, or timeliness of statistical data from government sources.
The App is provided "as is" and "as available." We do not guarantee uninterrupted or error-free service. Message delivery depends on both sender and recipient having network connectivity and active accounts.
While we use well-established cryptographic standards, no security system is absolute. We do not guarantee that the encryption cannot be compromised by future advances in computing or cryptanalysis, or by vulnerabilities in underlying libraries.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE APP.
THE COMPANY'S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
BECAUSE WE CANNOT ACCESS YOUR ENCRYPTED MESSAGES OR ON-DEVICE DATA, WE CANNOT BE LIABLE FOR THE LOSS, CORRUPTION, OR UNAUTHORIZED ACCESS OF DATA THAT WE DO NOT POSSESS.
You agree to indemnify and hold harmless the Company from any claims, damages, or expenses arising from your violation of these Terms or your misuse of the App.
You may delete your account at any time through the App. All server-held data associated with your account will be permanently deleted per our Privacy Policy.
We may suspend or terminate your account if you violate these Terms. If we terminate your account:
If your account is terminated and you have a linked partner, the partner link is dissolved. Your partner will be notified and will have a grace period to obtain their own subscription.
We may disclose the limited data we possess in response to valid legal process (subpoenas, court orders, or similar). Our Privacy Policy (Section 14) describes exactly what we can and cannot provide. Because messages are end-to-end encrypted and we do not hold decryption keys, we cannot provide message content regardless of the legal request.
We will notify you of requests for your data unless prohibited by law.
The service is operated from the United States. If you access the service from outside the United States, your data will be processed on servers that may be located in the United States. Your rights under local data protection laws (including GDPR) are described in our Privacy Policy (Section 15).
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.
Before filing any legal claim, you agree to contact us and attempt to resolve the dispute informally for at least 30 days.
Any legal action arising from these Terms shall be brought in the state or federal courts located in Virginia.
We may update these Terms from time to time. If we make material changes, we will notify you through the App at least 30 days before the changes take effect. Your continued use of the App after the effective date constitutes acceptance of the updated Terms. If you do not agree with the changes, you may delete your account before they take effect.
We will not retroactively reduce your rights under these Terms without your explicit consent.
Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the App.
Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full effect.
No Waiver. Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
Assignment. We may assign these Terms in connection with a merger, acquisition, or sale of assets, provided the assignee agrees to honor the privacy and encryption commitments described in these Terms and the Privacy Policy.
If you have questions about these Terms:
Email: contact@spendplan.co
Spendplan LLC
8401 Mayland Dr Ste A, Richmond, VA 23294