Terms of Service

Last updated: 13 October 2026

These terms govern spendly.app and the application at live.spendly.app, operated by Telora Labs LLC, a Wyoming limited liability company (“we”, “us”). By creating an account or using Spendly, you agree to these terms.

The service

Spendly is a personal finance workspace for recording accounts and transactions, organizing budgets and goals, and reviewing financial reports and projections. You provide or import the information that supports those tools.

Using planning information

Budgets, cash flow projections, year-ahead views, debt comparisons, and suggestions are planning tools based on supplied information and software assumptions. They do not constitute financial, investment, tax, or legal advice. Decisions requiring professional advice should be discussed with a qualified professional who understands your circumstances.

Projected figures are estimates, and actual outcomes may differ because of changes in income, expenses, timing, valuations, or exchange rates. You are responsible for checking the information you enter and reviewing suggestions before applying them.

Spendly records and organizes financial information. It does not hold or transfer your money and is not a bank or regulated financial institution. No deposit protection scheme applies to the service.

Your account

You must be at least 16 years old. Provide an email address you control, keep your credentials secure, and take responsibility for activity under your account. Passkeys and two-factor authentication are available in security settings.

Tell us promptly if you believe your account has been compromised at [email protected].

Acceptable use

Use the service lawfully and respect the security and access rights of others. You must not access another user’s data, attack or disrupt the service, automate access in ways that degrade it for others, store or process unlawful material, or resell or redistribute the service.

Security reporting information is available on the security page. We may suspend or terminate accounts that breach these terms.

Availability

Spendly is provided as is and as available. We do not guarantee uptime or provide a service-level agreement. We may change, suspend, or discontinue features. If we discontinue the service entirely, we will provide reasonable notice and a window to export your data.

Your records

You own the data you provide. We claim no ownership over it. CSV exports and account deletion are available in Settings, and the privacy policy explains data handling, export scope, and retention. That policy forms part of these terms.

Plans and subscriptions

Plans and prices appear on the pricing page. Paid plans are billed monthly. If a price changes, we will give notice before it takes effect. Using the service after the change constitutes acceptance of the updated terms.

Canceling stops the next renewal. Access continues to the end of the period you have paid for.

Liability

To the fullest extent permitted by law, we are not liable for financial decisions made using Spendly, loss or corruption of data, loss of profit, revenue, or anticipated savings, or indirect or consequential loss.

Nothing in these terms excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or liability that cannot lawfully be excluded. Consumer statutory rights are unaffected.

Our total aggregate liability to you is limited to the amount you paid us in the twelve months before the claim.

Changes to these terms

We may update these terms and will change the date above. For material changes affecting account holders, we will notify you by email.

Contact

Questions about these terms: [email protected].