Terms of Service

1. Introduction

Welcome to SpendFlow. These Terms of Service ("Terms") govern your use of our application and services. By accessing or using our services, you agree to be bound by these Terms.

2. Definitions

• "Service" refers to the SpendFlow application and related services.
• "User" refers to anyone who accesses or uses our Service.
• "Content" refers to all content made available through our Service.
• "Account" refers to your registered account with SpendFlow.

3. Account Registration

To use certain features of our Service, you must register for an account. You agree to provide accurate and complete information and to keep this information updated.

4. User Responsibilities

You agree not to:

• Use the Service for any illegal purpose
• Violate any laws in your jurisdiction
• Infringe on the intellectual property rights of others
• Upload or transmit viruses or malicious code
• Attempt to gain unauthorized access to our systems

5. Payment Terms

If you purchase a subscription or make other payments through our Service:

• All fees are stated in GBP and are exclusive of applicable taxes
• Payment is due at the beginning of each subscription period
• We use secure third-party payment processors to handle all transactions
• We do not store or process your payment card details on our servers
• You will be redirected to our secure payment processor for all transactions

Important: We do not collect or store credit/debit card details or phone numbers. All payment processing is handled by secure third-party payment processors, and we only receive confirmation of transactions, not the payment details.

6. Data Handling

We are committed to protecting your privacy and data:

• We do not collect or store sensitive payment information
• We do not require or store phone numbers
• We do not share your personal information with third parties except as necessary to provide our services
• We implement appropriate security measures to protect your data

7. Third-Party Services

Our Service may include or link to third-party services. Please note that:

• We use third-party payment processors to handle transactions securely
• These third parties have their own privacy policies and terms of service
• We are not responsible for the practices of these third-party services
• We only work with third parties that meet our security and privacy standards

We do not sell, rent, or trade your personal information to third parties for marketing or any other purposes.

8. Intellectual Property

All content included in or made available through our Service is the property of SpendFlow or its licensors and is protected by copyright and other intellectual property laws.

9. Termination

We may terminate or suspend your account and access to our Service immediately, without prior notice, for any reason, including without limitation if you breach these Terms.

10. Limitation of Liability

To the maximum extent permitted by law, SpendFlow shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Dispute Resolution

Before taking any formal action, we encourage you to contact us at spendflowapp@gmail.com to attempt to resolve any dispute informally. If we cannot resolve the dispute within 30 days, both parties agree to resolve any claim through binding arbitration in the United Kingdom, in accordance with the laws of England and Wales.

13. Force Majeure

We shall not be liable for any failure to perform our obligations where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation, governmental actions, or natural disasters.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable.

15. Entire Agreement

These Terms constitute the entire agreement between you and SpendFlow regarding the Service and supersede all prior agreements and understandings, whether written or oral.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of any changes by updating the "Last updated" date at the top of these Terms.

17. Contact Us

If you have any questions about these Terms, please contact us at: