Terms of Service

By accessing or using ConnectSpend ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service, including the mobile application and website.

ConnectSpend is a family expense tracking and financial management application that allows users to:

• Track personal and shared expenses
• Split bills and manage balances with family and friends
• Create family groups with parental controls
• Set and track financial goals
• Manage tasks and rewards for family members
• Receive notifications and reminders for bills
• Access AI-powered financial insights

To use certain features of the Service, you must register for an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your password confidential and secure
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

Age Requirement: You must be at least 13 years old to use this Service. Users under 18 require parental consent and supervision through a family account.

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Impersonate any person or entity
• Upload malicious code or interfere with the Service
• Attempt to gain unauthorized access to accounts or systems
• Harass, abuse, or harm other users
• Share false or misleading financial information
• Use the Service for any illegal financial activities
• Reverse engineer or attempt to extract source code

You retain ownership of any content you submit to the Service (expense data, notes, images, etc.). By submitting content, you grant us a license to use, store, and process that content to provide the Service.

You are responsible for all content you submit and represent that you have the right to share such content.

ConnectSpend offers family accounts with the following terms:

• Family administrators are responsible for managing member accounts
• Parents/guardians must supervise children's use of the Service
• Parental controls allow approval of children's expenses
• Shared expense data is visible to all approved family members
• Administrators can remove members and manage permissions

ConnectSpend is a financial tracking tool and does not provide financial advice, tax advice, or investment recommendations. The Service:

• Is not a replacement for professional financial advice
• Does not guarantee accuracy of calculations or insights
• Is not responsible for financial decisions made based on app data
• Does not process actual payments or money transfers

⚠️ Disclaimer: Always consult qualified professionals for financial decisions.

The Service, including its original content, features, and functionality, is owned by ConnectSpend and protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without explicit written permission.

The Service may contain links to or integrations with third-party services (e.g., cloud storage, AI services). We are not responsible for the content or practices of these third parties. Your use of third-party services is subject to their respective terms and privacy policies.

We may terminate or suspend your account immediately, without prior notice, for any reason, including:

• Breach of these Terms
• Violation of applicable laws
• Fraudulent or abusive behavior
• Extended inactivity

You may delete your account at any time through the app settings. Upon termination, your right to use the Service will cease immediately.

To the maximum extent permitted by law, ConnectSpend shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

• Loss of profits, data, or other intangibles
• Damages from unauthorized access to your account
• Errors in expense calculations or financial data
• Service interruptions or unavailability

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

These Terms shall be governed by and construed in accordance with the applicable laws. Any disputes arising under these Terms shall be resolved through appropriate legal channels.

We reserve the right to modify these Terms at any time. We will provide notice of significant changes via email or in-app notification. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

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