Last Updated: January 11, 2026
1. Acceptance of Terms
By accessing or using SpendTrail ("the App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.
2. Description of Service
SpendTrail is a personal expense tracking application that:
- Automatically captures transaction data from SMS messages and emails
- Provides expense categorization and reporting
- Offers AI-powered transaction parsing
- Integrates with Gmail API for email-based transactions
3. User Accounts
3.1 Registration
- You must provide accurate and complete information
- You are responsible for maintaining account security
- You must be at least 13 years old to use the App
3.2 Account Security
- Keep your password confidential
- Notify us immediately of unauthorized access
- You are responsible for all activities under your account
4. Permissions and Access
4.1 SMS Access
- SMS parsing is optional and requires your explicit permission
- We only read transaction-related SMS from financial institutions
- You can disable SMS access at any time
4.2 Gmail Integration
- Gmail access requires OAuth authorization
- We only access transaction-related emails
- You can revoke access through your Google Account settings
- Complies with Google API Services User Data Policy
4.3 Notifications
- Push notifications require device permissions
- Used to alert you about detected transactions
- Can be disabled in app settings
5. User Responsibilities
You agree to:
- Use the App only for lawful purposes
- Not attempt to hack, reverse engineer, or compromise the App
- Not share your account with others
- Verify transaction accuracy before making financial decisions
- Not use automated systems to access the App
6. Data Accuracy
- SpendTrail uses AI to parse transactions, which may contain errors
- You are responsible for reviewing and correcting transaction data
- We are not liable for financial decisions based on app data
- The App is for personal expense tracking, not professional accounting
7. Intellectual Property
- SpendTrail and its content are owned by us and protected by copyright laws
- You may not copy, modify, or distribute the App without permission
- Your transaction data remains your property
8. Service Availability
- We strive for 24/7 availability but do not guarantee uninterrupted service
- Maintenance may require temporary service interruptions
- We reserve the right to modify or discontinue features
9. Fees and Payments
- SpendTrail is currently free to use
- We may introduce premium features in the future
- You will be notified of any pricing changes
10. Termination
We may terminate or suspend your account if you:
- Violate these Terms of Service
- Engage in fraudulent or illegal activities
- Abuse the service or other users
You may delete your account at any time through app settings.
11. Disclaimers
THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.
- We do not guarantee transaction parsing accuracy
- We are not responsible for SMS or email provider outages
- Financial decisions based on app data are your responsibility
12. Limitation of Liability
To the maximum extent permitted by law, SpendTrail shall not be liable for:
- Indirect, incidental, or consequential damages
- Loss of profits, data, or business opportunities
- Damages resulting from transaction parsing errors
- Third-party service failures (Gmail, SMS providers)
13. Indemnification
You agree to indemnify and hold harmless SpendTrail from any claims arising from your use of the App or violation of these Terms.
14. Privacy
Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
15. Third-Party Services
- The App integrates with Google APIs, which have their own terms
- We are not responsible for third-party service failures
- Google API Services User Data Policy applies to Gmail integration
16. Changes to Terms
- We may update these Terms at any time
- Material changes will be notified via email or app notification
- Continued use after changes constitutes acceptance
17. Governing Law
These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law principles.
18. Dispute Resolution
Any disputes arising from these Terms will be resolved through:
- Good faith negotiation
- Mediation if negotiation fails
- Arbitration as a last resort
19. Severability
If any provision of these Terms is found invalid, the remaining provisions will continue in full effect.
20. Contact Information
For questions about these Terms, contact us at:
By using SpendTrail, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.