Spendtacle Terms of Use

Version 1.0. Effective date: 01.10.2026. These Terms are the end user license agreement (EULA) for the Spendtacle app.

Please read these Terms carefully. They contain provisions that limit our liability (sections 17 and 18) and set out the governing law and how disputes are resolved (section 22). If you do not agree to these Terms, do not install or use Spendtacle.

1. Who we are and what this document is

1.1. The Spendtacle app, its server side (including api.finsyapp.com), web pages and all related features (together, the "Service") are provided by Airat Baiburov, an individual entrepreneur registered in Georgia, identification number 306538155, address: Police Lane l5, Tbilisi, Georgia ("we", "us", the "Licensor").

1.2. These Terms of Use (the "Terms") are a legally binding agreement between you and the Licensor. Our Privacy Policy, which explains how we process personal data, forms an integral part of these Terms.

1.3. "You" or the "User" means the individual who installs or uses the Service.

2. Acceptance

2.1. You accept these Terms in full and without reservation by any of the following: installing, launching or otherwise using the app; creating or signing in to an account; purchasing a subscription; or tapping a button next to which it says that you accept these Terms. Each of these actions constitutes acceptance.

2.2. If you do not agree with these Terms in whole or in part, you may not use the Service and must delete the app.

2.3. If you use the Service on behalf of an organization, you confirm that you are authorized to accept these Terms on its behalf, and the Terms bind both you and that organization.

3. Age and capacity

3.1. The Service is intended for persons aged 18 or older. If you are between 16 and 18, you may use the Service only with the consent of a parent or legal guardian who accepts these Terms on your behalf and is responsible for your use of the Service, including purchases. Persons under 16 may not use the Service.

3.2. By accepting these Terms you confirm that you have the legal capacity to do so and that applicable law does not prohibit you from using the Service.

4. What Spendtacle does

4.1. Spendtacle helps you keep track of personal income and expenses. Among other things, the Service may let you: record transactions, categories, accounts, budgets and planned payments; import and export data as CSV; recognize receipts from photos using artificial intelligence ("AI"); get an AI-generated monthly review; ask the AI assistant questions about your finances in a chat (the "AI assistant"); view reference exchange rates; sign in to an account and purchase the paid "Premium" subscription.

4.2. Your financial records are stored on your device. We do not store them on our servers and have no access to them, except for data you choose to send for receipt recognition, monthly review, to the AI assistant chat or in a support request (see the Privacy Policy).

4.3. The features, limits (for example, receipts per day) and what is available in the free version and in Premium are shown in the app and may change under section 15.

4.4. Full and local versions. The full version of the Service (account, AI features, Premium) is offered only in Georgia, the United States, Canada, Australia, New Zealand and Japan. In other countries where the app is available on the App Store, a local version works: without an account, AI features or paid subscriptions. In the local version all your data is stored only on your device, and the app only gets reference exchange rates and technical settings from our server, anonymously (section 3 of the Privacy Policy). The version is chosen automatically based on the country of your Apple Account in the App Store. If you use the Service outside the country of your Apple Account, you do so on your own initiative and are responsible for complying with local law. We may change the list of countries (section 15).

5. Spendtacle does not give financial advice

5.1. The Service is solely a personal record-keeping and reference tool. Nothing in the Service, including AI and AI assistant answers, the monthly review, budgets, plans, reminders, analytics and exchange rates, is or may be treated as financial, investment, tax, accounting, legal or other professional advice, recommendation or offer.

5.2. We are not a bank, payment or investment institution, financial or tax adviser. The Service does not connect to your bank accounts, does not make payments and does not manage your money.

5.3. You make all decisions about income, spending, savings, payments, taxes, investments and other financial matters on your own, at your own risk and under your own responsibility. Consult a qualified professional before making significant decisions.

5.4. The Service is not designed for, and does not replace, business accounting or tax records. If you use data from the Service for any reporting, you must verify its completeness and accuracy yourself.

6. AI results and exchange rates

6.1. Receipt recognition, the monthly review and AI assistant answers are performed by AI models of a third-party provider (currently Anthropic, Claude models). AI results are generated automatically, are probabilistic and may be incomplete, inaccurate or wrong, including amounts, dates, currencies, line items, categories, conclusions and suggestions.

6.2. You must review every AI result before saving or relying on it. By saving a result you confirm that you have reviewed it and accept responsibility for its use.

6.3. The AI assistant is intended only for questions about your personal finances in the Service: spending, income, budgets, plans, future purchases and savings, and how the app works. It sees only the summary the app sends with your question and may not account for circumstances not reflected in it. The AI assistant does not give individual financial, investment, credit, tax or legal recommendations, does not recommend specific securities, cryptocurrencies, loans or financial products and does not change data in the app. It may decline to answer questions outside this purpose.

6.4. Exchange rates are provided for reference only, come from third-party sources, may be delayed, may differ from the rates of your bank or payment provider and may contain errors. They are not intended for transactions, settlements or reporting.

6.5. To the extent permitted by applicable law (section 18), we are not liable for the consequences of using AI results or exchange rates, including decisions made on their basis.

7. Data on your device and backups

7.1. Because your financial records are stored only on your device, you alone are responsible for keeping them safe and backing them up, for example by exporting to CSV or using Apple device backups.

7.2. Deleting the app, resetting or losing your device, operating system errors, importing a malformed file, using "Delete all transactions" and other events may permanently destroy your data. We cannot recover data that was stored only on your device.

7.3. App lock with Face ID or passcode is an additional convenience measure and does not guarantee protection from anyone who has access to your unlocked device. You are responsible for securing your device.

7.4. CSV import and export work with the formats described in the app. We do not guarantee compatibility with files from other software.

8. Account

8.1. Some features (receipt recognition, monthly review, AI assistant chat, Premium) require signing in with Apple, Google or a one-time email code. You must use only your own accounts and addresses and keep them secure.

8.2. You are responsible for all activity under your account unless you prove that it was made possible by our fault. Tell us immediately if you suspect unauthorized access.

8.3. Each person may have one account. Creating multiple accounts to circumvent limits is prohibited.

8.4. You can delete your account at any time in the app settings. Deleting your account does not cancel an App Store subscription; you must cancel it separately (section 9).

9. Premium, payment and cancellation

9.1. Premium is sold and paid for only through the Apple App Store at the prices shown in the app before purchase. Apple handles payment, billing, taxes included in the price and refunds under its own rules. We do not receive or store your payment card details.

9.2. Subscriptions renew automatically for the same period at the current price unless auto-renewal is turned off at least 24 hours before the end of the current period. You can manage and cancel your subscription in your Apple ID settings on your device or in the app under "Manage subscription". Cancellation takes effect at the end of the paid period.

9.3. If a free trial is offered, it automatically converts to a paid subscription unless you cancel before the trial ends. Any unused portion of a free trial is forfeited when you purchase a subscription.

9.4. Refund requests are handled by Apple (reportaproblem.apple.com). We do not issue refunds ourselves, except where applicable law expressly requires it.

9.5. If you are a consumer in a country that grants a right of withdrawal for digital content or services, that right is exercised under Apple's rules and applicable law. By starting to use Premium immediately after purchase, you request immediate performance and acknowledge that, where the law so provides, you may thereby lose your right of withdrawal.

9.6. We may change subscription prices. Apple will notify you of a price change as provided by App Store rules and, where required, ask for your consent. A price change does not affect a period already paid for.

9.7. Your subscription is linked to your Spendtacle account. You can restore it with "Restore purchases" while signed in to the same account.

9.8. Blocking of AI features does not cancel your subscription or stop its renewal (section 16.3).

10. License

10.1. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the app on Apple-branded devices that you own or control, solely for personal non-commercial purposes and as permitted by the Usage Rules set out in the App Store Terms of Service.

10.2. The license is not a sale. All rights not expressly granted to you are reserved by us. The license remains in effect until terminated under section 16.

11. Prohibited conduct

You agree not to do, and not to allow others to do, any of the following:

copy, modify, adapt, translate, decompile, disassemble or reverse engineer the app or the server, except where and to the extent expressly permitted by mandatory applicable law;
circumvent limits, subscription checks, rate limits or other technical measures, including by using multiple accounts, falsified data or modified versions of the app;
access the Service API other than through the official app, or use bots, scripts, scraping or other automated access;
overload, disrupt or compromise the Service or its security, or search for and exploit vulnerabilities (if you find a vulnerability, report it to our contact address without exploiting it);
upload images or text that violate the law or the rights of others, contain malicious code, or include other people's personal data without a lawful basis;
use the Service for unlawful activities, including money laundering, tax evasion, fraud or terrorist financing;
sell, rent, sublicense or distribute the Service or access to it, use it commercially or to build a competing product;
remove or alter any notices of rights, trademarks or labels in the Service;
impersonate anyone or misrepresent your identity;
misuse the AI assistant: try to bypass its restrictions, extract its internal instructions, make it perform tasks unrelated to your finances in the Service, or use it to create unlawful, harmful or misleading content.

12. Your content and feedback

12.1. "Your content" means receipt photos, AI assistant chat messages, text, data and other material you enter into or send through the Service. You retain your rights in your content.

12.2. When you submit content for processing (for example, a receipt photo for recognition), you grant us and our providers acting on our behalf a free, worldwide, non-exclusive right to process, reproduce, transmit and transform that content to the extent and for as long as needed to provide the relevant feature, keep the Service secure and comply with the law.

12.3. You represent that you have all rights and grounds needed to submit your content and that processing it under these Terms does not violate the law or anyone's rights. Do not submit full payment card numbers, passwords, identity documents or other data that the feature does not need.

12.4. Any reviews, ideas, suggestions and bug reports ("feedback") are given voluntarily. You grant us a free, perpetual, irrevocable, worldwide, transferable right to use feedback in any way, including incorporating it into the Service, without any obligation to pay, attribute or respond. Feedback creates no obligations for us and is not confidential, except for personal data in it, which is processed under the Privacy Policy.

13. Intellectual property

13.1. The Service, including its code, design, interface, text, graphics, logos, the name and trademark "Spendtacle", databases and documentation, and all rights in them, belong to the Licensor or its licensors and are protected by law. These Terms grant you no rights in them other than the license under section 10.

13.2. You may use AI results generated for you for personal purposes. We do not guarantee that such results are unique or differ from results generated for other users.

14. Third-party services

14.1. The Service relies on third-party services and infrastructure, including Apple (App Store, Sign in with Apple, Face ID, notifications), Google (sign-in), Anthropic (AI), Amazon Web Services (hosting), Google Workspace (email) and exchange rate sources. Their use is governed by their own terms and policies.

14.2. We do not control third-party services and are not responsible for their availability, operation, content, changes to their terms or the acts of their operators. If a third-party service is unavailable or fails, the related feature of the Service may not work.

15. Changes to and discontinuation of the Service

15.1. The Service evolves continuously. We may at any time change, add, restrict or remove features, change the limits of the free version and Premium, the design, supported devices and iOS versions, AI and other providers, and require an app update to continue using the Service.

15.2. We may temporarily suspend the Service or parts of it for maintenance, updates, troubleshooting or security, giving advance notice where reasonably possible.

15.3. We may discontinue the Service or its server side entirely. Where reasonably possible, we will give you at least 30 days' notice so that you can export your data. On-device features may continue to work in the installed version of the app, without support or updates.

15.4. If a change materially and adversely affects a Premium subscription you have paid for, you may cancel the subscription. Any right you have under applicable law to a proportionate price reduction or refund for the unused period is preserved.

16. Suspension and termination

16.1. You may stop using the Service at any time by deleting your account, cancelling your subscription and deleting the app.

16.2. We may, without prior notice, restrict, suspend or terminate your access to the Service or any feature, or delete your account, if: you breach these Terms; your actions create a risk to the Service, other users, us or third parties; the law or a public authority requires it; or the account has been inactive for more than 24 months. In case of a serious breach, the paid subscription period is not compensated unless applicable law requires otherwise.

16.3. Blocking of AI features. If you breach these Terms (in particular section 11) or we reasonably suspect abuse, we may partially block your account: signing in and the features that work on your device remain available, while the AI features (receipt recognition, monthly review, AI assistant) are disabled. The app will tell you about the block. Blocking does not cancel or pause your Premium subscription: we cannot technically cancel it on your behalf, so you do this in your Apple ID settings (section 9.2). If the block results from your breach of these Terms, the paid period and charges made before you cancel are not compensated unless applicable law requires otherwise. If you believe the block is a mistake, write to us at the address in section 26: we will review your request and lift a block made in error. You can request a refund from Apple (section 9.4).

16.4. On termination, the license under section 10 ends. Provisions that by their nature should survive termination (including sections 5, 6, 7, 12, 13, 17 through 22 and 25) survive.

17. Disclaimer of warranties

17.1. To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", with all faults and without warranties of any kind, express or implied. In particular, we do not warrant that the Service will meet your expectations or purposes; that it will be uninterrupted, timely, secure or error-free; that errors will be corrected; that AI results, exchange rates, calculations, analytics or other data will be accurate, complete or reliable; or that data will not be lost.

17.2. We disclaim the implied warranties of merchantability, fitness for a particular purpose, non-infringement and any other warranties to the extent they can be excluded under applicable law.

17.3. If you are a consumer, this section does not limit the warranties and rights granted to you by the mandatory law of your country of residence. Those rights apply to the minimum extent required by law.

18. Limitation of liability

18.1. To the maximum extent permitted by applicable law, the Licensor is not liable for any indirect, incidental, special, punitive or consequential damages, or for any loss of profits, revenue, savings, goodwill, data or use of the Service, regardless of the legal theory (contract, tort including negligence, or otherwise), even if we were advised of the possibility of such damages.

18.2. To the same extent, we are not liable for any loss arising from:

your financial, tax, investment or other decisions, including those based on data, calculations, AI results, budgets, plans, reminders or exchange rates from the Service;
errors, inaccuracies or incompleteness of AI results or exchange rates;
loss, damage or corruption of data on your device, including during app updates, import, export or deletion of data;
unauthorized access to your device, account, email, or Apple or Google account that did not occur through our fault;
failures, unavailability, changes of terms or acts of third-party services (section 14), communication networks or your equipment;
missed or late reminders and notifications;
changes to, suspension or discontinuation of the Service or its features under sections 15 and 16;
your breach of these Terms or the law.

18.3. To the maximum extent permitted by applicable law, the Licensor's total aggregate liability for all claims relating to the Service and these Terms is limited to the greater of: the amount you actually paid for Premium in the 12 months before the event giving rise to the claim, or 20 (twenty) euros.

18.4. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for intent or gross negligence, for death or personal injury, for fraud, or consumer rights that cannot be limited by agreement. In jurisdictions that do not allow certain exclusions or limitations, they apply to the minimum extent permitted by law, and the remaining provisions of this section remain in effect.

18.5. You acknowledge that the price of the Service (including free access to part of it) reflects the allocation of risk in sections 17 and 18 and that without these sections the Service could not be provided on its current terms.

19. Indemnification

19.1. To the extent permitted by applicable law, you agree to indemnify the Licensor against losses, costs (including reasonable legal fees), fines and third-party claims arising from your culpable breach of these Terms or the law, infringement of third-party rights by your content, or unlawful use of the Service.

19.2. We may conduct the defense of any such claim ourselves, in which case you agree to provide reasonable cooperation.

20. Force majeure

We are not liable for any failure or delay in performing our obligations caused by circumstances beyond our reasonable control, including natural disasters, fires, epidemics, military action, civil unrest, strikes, acts and decisions of public authorities, sanctions, power outages, failures of communication networks, internet providers, cloud platforms or other third-party services, and cyberattacks.

21. Complaints procedure

21.1. Before going to court, you agree to send us a written complaint to the contact address in section 26, describing your claim and attaching supporting materials. We will review it and reply within 30 days. Many issues can be resolved this way faster and at no cost.

21.2. To the maximum extent permitted by applicable law, any claim relating to the Service must be brought within one year after you knew or should have known of the grounds for the claim.

21.3. To the maximum extent permitted by applicable law, disputes are resolved only on an individual basis and not as part of any class, collective or representative action.

22. Governing law and disputes

22.1. These Terms and all relationships relating to the Service are governed by the laws of Georgia, without regard to its conflict of laws rules. The 1980 United Nations Convention on Contracts for the International Sale of Goods does not apply.

22.2. Disputes not resolved under the complaints procedure are subject to the competent court of the city of Tbilisi, Georgia.

22.3. If you are a consumer habitually resident in a country whose law grants you protection that cannot be waived by agreement, the choice of Georgian law does not deprive you of that protection, and you may also bring proceedings in the courts of your place of residence where the law so provides.

23. Changes to these Terms

23.1. We may change these Terms, for example when the Service's features, legal requirements or App Store rules change. The new version is published at spendtacle.com/legal/terms with its effective date.

23.2. We will notify you of material changes in the app or by email at least 14 days before they take effect, except where a change is required by law or relates to security and must take effect sooner.

23.3. By continuing to use the Service after the changes take effect, you accept the new version. If you do not agree, stop using the Service, delete your account and cancel your subscription.

24. Additional terms for the App Store app

If you obtained the app from the Apple App Store, the following also applies:

These Terms are concluded between you and the Licensor only, and not with Apple Inc. ("Apple"). The Licensor, not Apple, is solely responsible for the app and its content.
The license is limited to using the app on Apple-branded products running iOS that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service, except that the app may also be accessed by other accounts associated with the purchaser via Family Sharing or volume purchasing.
Apple has no obligation to furnish any maintenance or support services for the app. The Licensor provides support as described in these Terms or as required by law.
The Licensor is responsible for product warranties to the extent not effectively disclaimed in these Terms. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the app (if any) to you. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty are the Licensor's responsibility, within the limits set by these Terms.
The Licensor, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to any legal or regulatory requirement, claims arising under consumer protection, privacy or similar legislation.
In the event of any third-party claim that the app or your possession and use of it infringes that third party's intellectual property rights, the Licensor, not Apple, is solely responsible for the investigation, defense, settlement and discharge of that claim.
You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
Please direct any questions, complaints or claims regarding the app to the Licensor at the contact details in section 26.
You must comply with applicable third-party terms of agreement when using the app, for example your wireless data service agreement.
Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

If anything in this section conflicts with other provisions of these Terms as regards Apple, this section prevails.

25. General provisions

25.1. Severability. If any provision of these Terms is held invalid or unenforceable, it applies to the maximum extent permitted by law, and the remaining provisions remain in full force.

25.2. Entire agreement. These Terms together with the Privacy Policy constitute the entire agreement between you and us regarding the Service and supersede all prior arrangements on this subject.

25.3. No waiver. Our failure to exercise any right is not a waiver of that right.

25.4. Assignment. You may not transfer your rights and obligations under these Terms without our written consent. We may transfer them to a third party, including when transferring the Service or the business, with notice to you. This does not reduce your consumer rights.

25.5. Notices. We may give notices in the app, by email to the address in your account or by publication on this page. A notice is deemed received on the day it is sent or published.

25.6. Relationship. These Terms do not create any partnership, agency, employment or other relationship between you and us other than as expressly provided.

25.7. Language. These Terms are made in Russian and English. In case of discrepancy, the Russian version prevails, unless mandatory applicable law requires otherwise.

26. Contact

Licensor: Airat Baiburov, individual entrepreneur, Georgia, identification number 306538155, address: Police Lane l5, Tbilisi, Georgia.

Email: support@spendtacle.com. You can also write to us from the app under Settings → Feedback.