Terms and Conditions

Last Updated: December 4, 2025

1. Agreement to Terms

By downloading, installing, or using the Spenvelopes mobile application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Spenvelopes ("we," "us," or "our").

2. Description of Service

Spenvelopes is a personal budgeting application for iOS that:

The App is designed to help you organize and track your personal finances. It is not a financial advisory service and does not provide financial, investment, tax, or legal advice.

3. Eligibility

You must be at least 18 years old to use Spenvelopes. By using the App, you represent and warrant that:

4. Subscription and Payment

4.1 Pricing

Spenvelopes is a subscription-based service priced at $8.00 USD per month. Pricing may vary by region and may be subject to change with advance notice.

4.2 Billing

Subscriptions are billed monthly through the Apple App Store. By subscribing, you authorize Apple to charge your payment method on file. Billing occurs at the start of each billing cycle.

4.3 Automatic Renewal

Your subscription will automatically renew each month unless you cancel at least 24 hours before the end of the current billing period. You can manage or cancel your subscription in your iPhone Settings under Subscriptions.

4.4 Free Trial

We may offer a free trial period for new users. If a trial is offered, you will be notified of the trial duration before subscribing. You will be charged at the end of the trial period unless you cancel before the trial ends.

4.5 Refund Policy

All payments are processed through the Apple App Store. Refund requests must be submitted to Apple according to their refund policy. We do not have direct control over App Store refunds but will work with Apple to resolve any billing issues.

To request a refund from Apple:

  1. Go to reportaproblem.apple.com
  2. Sign in with your Apple ID
  3. Find your Spenvelopes subscription charge
  4. Select "Request a refund" and follow the prompts

5. Account Security

5.1 Your Responsibilities

You are responsible for:

5.2 Unauthorized Access

If you believe your device or account has been compromised, you should immediately:

6. Use of Third-Party Services

6.1 Plaid

The App uses Plaid Inc. to connect to your bank accounts. By using this feature, you agree to Plaid's End User Privacy Policy and End User Services Agreement.

We are not responsible for Plaid's services, availability, or any issues arising from Plaid's operations.

6.2 Apple Services

The App uses Apple services including iCloud and Apple Push Notification service. Your use of these services is governed by Apple's Terms of Service and Privacy Policy.

7. User Conduct

You agree NOT to:

8. Intellectual Property

8.1 Our Rights

The App, including all content, features, and functionality, is owned by Spenvelopes and is protected by copyright, trademark, and other intellectual property laws. This includes:

8.2 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms. This license does not include any resale or commercial use of the App.

8.3 Your Data

You retain all rights to your personal financial data. We do not claim ownership of your budgeting information, transactions, or any content you create in the App.

9. Data and Privacy

Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

Key points:

10. Disclaimers and Limitations of Liability

10.1 No Financial Advice

Spenvelopes is a budgeting tool, not a financial advisor. We do not provide financial, investment, tax, or legal advice. Any budgeting decisions you make are your sole responsibility.

10.2 Accuracy of Information

While we strive to provide accurate transaction syncing and categorization, we cannot guarantee that all information is 100% accurate or up-to-date. You are responsible for verifying the accuracy of your financial data.

10.3 Service Availability

We do not guarantee that the App will be available at all times or that it will be error-free. The App may be unavailable due to:

10.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

This includes but is not limited to damages for:

11. Indemnification

You agree to indemnify, defend, and hold harmless Spenvelopes and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

12. Termination

12.1 Your Right to Terminate

You may stop using the App and cancel your subscription at any time by:

Canceling your subscription will stop future charges but will not provide a refund for the current billing period.

12.2 Our Right to Terminate

We reserve the right to suspend or terminate your access to the App at any time, with or without notice, if:

12.3 Effect of Termination

Upon termination:

13. Changes to Terms

We may modify these Terms at any time. When we do:

If you do not agree to the modified Terms, you must stop using the App and cancel your subscription.

14. Dispute Resolution and Arbitration

14.1 Informal Resolution

If you have a dispute with us, please contact us first at support@spenvelopes.app and give us an opportunity to resolve it informally.

14.2 Binding Arbitration

If we cannot resolve the dispute informally, any claims will be resolved through binding arbitration rather than in court, except where prohibited by law. Arbitration will be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association.

14.3 Class Action Waiver

You agree that any arbitration or proceeding will be limited to the dispute between you and Spenvelopes individually. To the full extent permitted by law, no arbitration or proceeding will be joined with another, and there is no right or authority for any dispute to be arbitrated on a class-action basis.

15. Governing Law

These Terms are governed by the laws of the United States and the state in which Spenvelopes is registered, without regard to conflict of law principles.

16. 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, and the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Spenvelopes regarding the use of the App and supersede all prior agreements.

18. Contact Information

If you have questions about these Terms:

19. Apple-Specific Terms

Because Spenvelopes is distributed through the Apple App Store, the following additional terms apply:

By using Spenvelopes, you acknowledge that you have read, understood, and agree to these Terms and Conditions.