Acceptance of Terms
By accessing and using this Smart Spending and Expense Control platform, you acknowledge that you have
read, understood, and agree to be bound by these Terms of Service. These terms apply to all users,
including those who access the service for personal expense management, budget tracking, or financial
planning purposes. If you do not agree to any part of these terms, you must immediately cease using our
service. We reserve the right to modify these terms at any time, and your continued use of the platform
following any changes constitutes your acceptance of the new terms. It is your responsibility to review
these terms periodically to stay informed of any updates. We encourage you to contact us if you have any
questions about our terms or policies.
User Obligations and Responsibilities
As a user of our expense control platform, you agree to use the service only for lawful purposes and in a
way that does not infringe upon the rights of others or restrict their use and enjoyment of the service.
You are solely responsible for maintaining the confidentiality of your account credentials and password.
You agree not to share your login information with any third parties and to notify us immediately of any
unauthorized access to your account. You must provide accurate, complete, and current information when
creating your account. You are responsible for all activities that occur under your account, whether
authorized by you or not. You agree not to use the platform for any illegal activities, including money
laundering, fraud, or other criminal purposes. Violation of these obligations may result in account
suspension or termination.
Intellectual Property Rights
All content, features, and functionality of the Smart Spending platform, including but not limited to
software, algorithms, user interface design, and financial tools, are the exclusive property of our
company and are protected by international copyright, trademark, and intellectual property laws. You
retain all rights to the personal financial data you upload to our platform. However, you grant us a
limited license to use your data solely for providing and improving our service. You agree not to
reproduce, duplicate, copy, sell, resell, or exploit any portion of our service without our express
written permission. Any unauthorized use of our intellectual property may result in legal action. You may
not reverse engineer, decompile, or attempt to derive the source code of our platform. We respect the
intellectual property rights of all users and expect the same respect from you.
Limitation of Liability
To the fullest extent permitted by law, our company shall not be liable for any indirect, incidental,
special, consequential, or punitive damages arising from your use of or inability to use the Smart
Spending platform, even if we have been advised of the possibility of such damages. Our total liability to
you for any claims arising from or related to your use of the service shall not exceed the amount you have
paid to us in the twelve months preceding the claim. We do not warrant that the platform will be
error-free, uninterrupted, or free from viruses or harmful components. While we strive to provide accurate
financial information and tools, we do not guarantee the accuracy or completeness of any data provided
through our service. You use the platform at your own risk and are responsible for verifying all financial
information independently before making financial decisions.
Termination of Service
We reserve the right to terminate or suspend your account and access to our service immediately, without
prior notice or liability, for any reason or no reason, including if you violate these Terms of Service.
Upon termination, your right to use the service ceases immediately. You remain responsible for any charges
incurred up to the date of termination. We will make reasonable efforts to provide you with a copy of your
financial data upon request within thirty days of account termination. However, we may delete your account
and associated data after a reasonable period following termination. You may terminate your account at any
time by contacting our support team. Termination does not relieve you of any obligations or liabilities
incurred prior to the effective date of termination. Sections regarding Intellectual Property Rights and
Limitation of Liability shall survive termination of these terms.