Terms of Use

What you get

Spendlet is a free personal expense ledger. You can record expenses from receipt photos, on-device speech or typing; organize them by category; set monthly category budgets and reusable templates; ask questions about your spending; and export a month as a CSV file. Everything is calculated and stored on your device.

What Spendlet is not

• It is not a bank, payment, budgeting-advice or accounting service and does not connect to any financial account.
• It does not convert currencies; each currency is totalled on its own.
• It does not provide tax, investment, credit, loan or legal advice.
• It has no accounts, cloud sync, subscriptions or in-app purchases.

Your responsibilities

You are responsible for checking every amount, currency, date, merchant and category before you save an expense, and for verifying totals, budgets and exported files before relying on them — for example in a reimbursement claim or tax filing. Use Spendlet lawfully, for your own records, and in line with the Apple Media Services Terms. Do not misuse the app, attempt to extract its service credential, or interfere with the AI service it connects to.

Your records

Expenses, receipts and everything else you enter belong to you and are stored on your iPhone. You decide what to save, edit, export or delete. Because there is no cloud copy, keep your own backups if your records matter to you; removing the app deletes its data.

Optional AI assistance

AI suggestions require your consent and a working connection. When used, text is processed by DeepSeek as described in the Spendlet Privacy Policy and under DeepSeek's own terms. Suggestions may be wrong or unavailable because of connectivity, service limits, an exhausted service balance or other reasons. AI never supplies amounts, and you remain in control of what is saved. Manual entry, local receipt reading, search and totals work without it. We may change or discontinue AI features.

Purchases

Spendlet contains no in-app purchases or subscriptions.

Apple

These terms are between you and the provider of Spendlet, not Apple. Apple is not responsible for the app or its content and has no obligation to provide maintenance or support. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them.

Changes and availability

We may update, change or stop offering Spendlet or any feature. We do not guarantee the app will be available at all times or free of errors.

Intellectual property

Spendlet's software, design and text are licensed to you for personal use, not sold. These terms do not transfer any ownership.

Disclaimers and limits

Spendlet is provided "as is". Text recognition and speech transcription can misread receipts and words, and calculated results only reflect the records and filters in your ledger. To the extent permitted by law, we are not liable for indirect or consequential losses, including financial decisions made from the app's figures or loss of local data. Nothing in these terms limits consumer rights that cannot be excluded by law.

Ending use

You may stop using Spendlet at any time by deleting it. We may end access for serious breaches of these terms. The sections on your records, intellectual property and disclaimers continue to apply.

Updates to these terms

We may revise these terms as Spendlet changes. The effective date above shows the current version; continuing to use the app means you accept the update.

Contact

tallydesk@spendlet.app