Terms of Service
Clear, fair terms that protect both you and ExpenseSpark. Understanding your rights and responsibilities.
Quick Overview
Fair Usage
Use ExpenseSpark responsibly for legitimate expense tracking purposes
Your Rights
Access, control, and delete your data. Cancel anytime with pro-rated refunds
Our Commitment
Provide reliable service, protect your data, and support your financial goals
1. Acceptance of Terms
By accessing or using ExpenseSpark, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.
What This Means:
- • These terms become effective when you create an account or start using our service
- • You must be at least 18 years old or have parental consent to use ExpenseSpark
- • Business users must have authority to bind their organization to these terms
- • Updates to these terms will be communicated with 30 days advance notice
2. Service Description
ExpenseSpark is a comprehensive expense management platform that helps individuals and teams track, analyze, and optimize their spending through intuitive tools and powerful analytics.
Core Features
- Expense tracking and categorization
- Multi-currency support
- Team collaboration tools
- Advanced reporting and analytics
Service Availability
- 99.9% uptime commitment
- 24/7 technical support
- Regular feature updates
- Data backup and security
3. User Accounts & Responsibilities
You are responsible for maintaining the security of your account and all activities that occur under your account.
Your Responsibilities
- • Provide accurate and complete information
- • Keep your login credentials secure
- • Notify us immediately of any security breaches
- • Use the service only for legitimate purposes
- • Comply with all applicable laws and regulations
Account Types & Limits
- • Free Plan: Up to 100 expenses per month
- • Team Plan: Unlimited expenses, up to 10 team members
- • Pro Plan: Unlimited everything, advanced features
- • Enterprise: Custom limits and dedicated support
4. Acceptable Use Policy
ExpenseSpark must be used responsibly and legally. The following activities are strictly prohibited.
Prohibited Activities
- • Fraudulent or illegal financial activities
- • Uploading malicious software or code
- • Attempting to hack or compromise our systems
- • Sharing accounts or login credentials
- • Violating intellectual property rights
- • Spamming or sending unsolicited communications
- • Creating fake or duplicate accounts
- • Reverse engineering our software
Consequences of Violations
Violations may result in account suspension, termination, or legal action. We reserve the right to investigate suspicious activities and cooperate with law enforcement when necessary.
5. Payment Terms & Billing
Transparent pricing with no hidden fees. All charges are clearly disclosed before billing.
Subscription Plans
- • Monthly or annual billing cycles
- • Automatic renewal unless cancelled
- • Pro-rated upgrades and downgrades
- • 30-day money-back guarantee
Payment Methods
- • Major credit and debit cards
- • PayPal and digital wallets
- • Bank transfers for Enterprise
- • Secure payment processing
Refund Policy
- • Full refund within 30 days
- • Pro-rated refunds for cancellations
- • No refunds for abuse violations
- • Detailed refund policy
6. Data Protection & Privacy
Your financial data is protected with enterprise-grade security measures and handled according to our comprehensive Privacy Policy.
Data Security
- 256-bit SSL encryption
- SOC 2 Type II compliant
- Regular security audits
- Secure data centers
Your Data Rights
- Access and export your data
- Request data deletion
- Control data sharing preferences
- Full Privacy Policy
7. Service Availability & Limitations
We strive to provide reliable service while being transparent about limitations and our commitment to uptime.
99.9% Uptime
Service level agreement with credits for downtime
Planned Maintenance
Scheduled updates with advance notification
Data Backup
Daily backups with 99.99% durability
8. Account Termination
You can cancel your account at any time. We may terminate accounts for violations of these terms.
Voluntary Cancellation
- • Cancel anytime from account settings
- • Immediate access termination
- • Pro-rated refund for unused period
- • 30-day data retention for recovery
- • Export your data before cancellation
Involuntary Termination
- • Violation of acceptable use policy
- • Fraudulent or illegal activities
- • Non-payment after grace period
- • Security threats to our platform
- • No refund for terminated accounts
9. Intellectual Property Rights
ExpenseSpark respects intellectual property rights and expects users to do the same.
Our Rights
- • ExpenseSpark software and technology
- • Trademarks, logos, and brand elements
- • User interface designs and layouts
- • Proprietary algorithms and analytics
- • Documentation and training materials
Your Rights
- • You own all your expense data
- • Right to export your information
- • Limited license to use our software
- • Right to provide feedback and suggestions
- • Protection of your intellectual property
10. Disclaimers & Limitation of Liability
While we strive for excellence, we provide the service "as is" and limit liability as permitted by law.
Service Disclaimers
- • We provide the service "as is" without warranties
- • We don't guarantee uninterrupted or error-free service
- • Users are responsible for their own financial decisions
- • We're not liable for third-party service failures
Liability Limitations
Our liability is limited to the amount you paid for the service in the 12 months prior to the claim. We're not liable for indirect, incidental, or consequential damages.
User Responsibilities
You're responsible for backing up your data, maintaining account security, and using the service in compliance with applicable laws and regulations.
11. Governing Law & Dispute Resolution
These terms are governed by the laws of [Your Jurisdiction] and disputes will be resolved through binding arbitration.
Governing Law
Delaware State Law, USA
Dispute Resolution
Binding arbitration process
Jurisdiction
Delaware Federal Courts
12. Changes to These Terms
We may update these terms from time to time. We will provide notice of material changes and your continued use constitutes acceptance.
Our Commitment to Transparency
- • 30 days advance notice for material changes
- • Email notification to all active users
- • Clear explanation of what's changing and why
- • Right to cancel if you disagree with changes
- • Version history available on our website
Questions About These Terms?
For any questions and concerns, write to us at [email protected]. Our team is available to clarify any questions about these Terms of Service. We believe in transparency and want you to feel confident about using ExpenseSpark.