Last updated: 20 October 2026
These terms are an agreement between you and Ankesh Katiyar (“we”, “us”), the developer of Spendloom (“the app”). By creating an account or using the app, you agree to them. Please also read our Privacy Policy, which explains how we handle your data.
Apple’s Licensed Application End User License Agreement also applies to your use of the app. If these terms and Apple’s EULA conflict, these terms apply to the extent the law allows. Apple is not responsible for the app or its content, and has no obligation to provide support for it. If you downloaded the app from Google Play, Google Play’s Terms of Service also apply, and Google is likewise not responsible for the app or its content.
The app helps you record, organise and understand your spending, alone or with family members you invite. It is not a bank, payment service, accounting service or financial advisor. Nothing in the app is financial, tax, legal or investment advice. The app is currently free.
You must be at least 13 years old. If you are under 18, or under the age of digital consent where you live, you may use the app only with the permission of a parent or legal guardian, who agrees to these terms on your behalf and is responsible for your use of the app.
You own the data you add, such as expenses, notes and receipt photos. You give us a limited licence to store, copy and display it only to run the app for you, including syncing it across your devices and showing it to family members you choose to share with. This licence ends when you delete the content or your account, except for copies in backups, which are overwritten over time.
You are responsible for the content you add and must have the right to add it. Don’t upload anything illegal, or other people’s personal data without their permission.
When you join a family, its members can see your name, username and shared expenses, as described in the Privacy Policy. Only invite or join people you trust. Settlements and “who owes whom” figures are a guide only; the app does not move money.
Don’t:
Bank messages are read automatically and amounts, dates or merchants may be wrong. Insights, budgets and forecasts are estimates. Please check important figures before relying on them. Changing the app’s currency only changes how amounts are displayed; amounts are not converted.
We work to keep the app running, but it may sometimes be unavailable, interrupted or contain errors, and features may change. Keep your own backups using Settings → Export all as CSV. We may introduce paid features in the future. If we do, we will tell you clearly in advance, and you will never be charged without choosing to buy something through the App Store or Google Play.
You can stop using the app and delete your account at any time in Settings → Delete account. We may suspend or close accounts that seriously or repeatedly break these terms, or if required by law. Where reasonable, we will warn you first and give you a chance to export your data. If we ever shut the app down, we will give at least 30 days’ notice so you can export your data.
The app is provided “as is” and “as available”. To the extent the law allows, we make no promises that it will meet your needs, be error-free or always be available, and we exclude implied warranties of merchantability, fitness for a particular purpose and non-infringement.
To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for loss of profits, revenue or data, arising from your use of the app. Our total liability to you for any claim is limited to the greater of the amount you paid us in the 12 months before the claim and US$50 (or the equivalent in your currency).
Nothing in these terms limits liability that cannot be limited by law, such as for death or personal injury caused by negligence, or for fraud.
If you are a consumer, you keep any rights you have under the mandatory consumer protection laws of the country where you live, including in the EU and UK. Nothing in these terms takes those rights away.
These terms are governed by the laws of India. Before starting any formal claim, please contact us so we can try to resolve the issue informally. If you are a consumer, you may also bring a claim in the courts of the country where you live, and the mandatory laws of that country continue to apply to you.
We may update these terms, for example when we add features or when the law changes. We will update the date above and, for significant changes, let you know in the app or by email before they take effect. If you keep using the app after that, the new terms apply. If you don’t agree, you can delete your account.
If any part of these terms is found unenforceable, the rest stays in effect. If we don’t enforce a term straight away, we can still enforce it later. You may not transfer these terms to anyone else; we may transfer them to a new owner of the app, who will be bound by them.
Ankesh Katiyar, India · expensetracker.app.help@gmail.com