Terms of Use

Spenday helps you record and understand your personal finances: accounts, transactions, budgets, reminders and insights. We grant you a personal, non-transferable, non-exclusive licence to use the app on devices you own or control, for your own non-commercial use, in line with these terms and the rules of the App Store or Google Play you downloaded it from.

You agree not to copy, modify, reverse engineer, resell or misuse the app, or use it to break any law.

Spenday is a tool for organising your own records. Budgets, daily spending limits, forecasts, insights and AI-generated summaries are estimates based on the information you enter. They are not financial, investment, tax or legal advice, and you remain responsible for your financial decisions.

• Smart Capture reads your bank's text alerts to suggest transactions. Bank messages vary and can be misread, so every suggestion is shown to you to review before it's recorded. Please check the amount, account, category and date before you confirm.
• Exchange rates come from public sources and are for information only. They may differ from the rate your bank applied.
• Balances and reports are only as accurate as the transactions recorded in the app; Spenday is not connected to your bank and does not move money.

Your financial data is stored on your device and belongs to you. Because we don't keep a copy, we can't restore it if your device is lost, reset or the app is deleted. You are responsible for keeping backups. Spenday lets you export a backup file or save one to your own Google Drive.

Some features are available with Spenday Pro, offered as a weekly or yearly subscription, or as a one-time lifetime purchase. Prices are shown in the app before you buy and may vary by country.

• Billing. Payments are processed by Apple (App Store) or Google (Google Play) and charged to your store account. Their payment terms apply.
• Free trials. Where a free trial is offered, it converts to a paid subscription at the end of the trial unless you cancel at least 24 hours before it ends.
• Auto-renewal. Subscriptions renew automatically at the end of each period unless cancelled at least 24 hours before the renewal date. You can manage or cancel your subscription in your App Store or Google Play account settings; deleting the app does not cancel it.
• Refunds. Refund requests are handled by Apple or Google under their policies.
• Restoring purchases. You can restore your purchases on a new device signed in to the same store account by tapping Restore on the Spenday Pro screen.

Some features rely on services run by others, such as Apple and Google (purchases, sign-in and Google Drive), Google Analytics for Firebase, a public exchange-rate source, and Hugging Face (for downloading the optional on-device AI model). Their own terms apply to your use of those services, and we're not responsible for their availability.

These terms are between you and Emmito (Pvt) Ltd., not Apple. Apple's Licensed Application End User License Agreement also applies. Apple has no obligation to provide support or maintenance for the app, and Apple and its subsidiaries are third-party beneficiaries of these terms with the right to enforce them against you.

The Spenday app, its design, name and logo belong to Emmito (Pvt) Ltd.. These terms don't give you any rights to them other than using the app as described here.

We work hard to make Spenday reliable, but it is provided "as is" and "as available". To the extent the law allows, we make no warranties that the app will be uninterrupted, error-free or meet every need.

To the extent the law allows, Emmito (Pvt) Ltd. is not liable for indirect or consequential losses, or for loss of data, money or profits, arising from your use of Spenday. Our total liability for any claim is limited to the amount you paid for Spenday in the 12 months before the claim. Nothing in these terms limits rights you have under consumer law that cannot be excluded.

You can stop using Spenday at any time by deleting it. We may suspend or end your licence if you seriously break these terms. Sections that by their nature should continue (such as disclaimers and limits of liability) continue after these terms end.

These terms are governed by the laws of Sri Lanka, without affecting any mandatory consumer protections of the country where you live.

We may update these terms as Spenday changes. We'll update the date at the top of this page and, for significant changes, let you know in the app. Continuing to use Spenday after changes take effect means you accept them.

Emmito (Pvt) Ltd., Sri Lanka · emmito.contact@gmail.com