Effective date: June 15, 2026
By accessing or using Spendojo ("the Service," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. If you are using the Service on behalf of a household or organization, you represent that you have authority to bind that group to these Terms.
These Terms constitute a binding agreement between you and the operator of Spendojo. We reserve the right to update these Terms at any time. Continued use after changes are posted constitutes acceptance of the updated Terms. Material changes will be communicated by email or prominent notice in the app at least 14 days before taking effect.
Spendojo is a shared household expense tracking application. It allows groups of people ("households") to log, categorize, and analyze expenses; manage budgets; track recurring payments via templates; scan receipts; and view spending trends and reports. A premium subscription tier ("Plus") unlocks higher usage limits and additional features.
Spendojo is not a financial institution, bank, or payment processor. It does not connect to bank accounts, does not provide financial advice, and currency exchange rates displayed are indicative only — they are not guaranteed and should not be relied upon for financial or legal decisions.
Access to the Service requires a Google or Apple account. By signing in, you authorize Spendojo to receive your account email address and display name (and, for Google, your profile picture) for the purpose of creating and maintaining your account. If you sign in with Apple and choose Hide My Email, we receive a private relay email address instead of your real address. We do not receive your Google or Apple password.
You are responsible for all activity that occurs under your account. You must notify us immediately at support@spendojo.com if you believe your account has been compromised. We may suspend or terminate accounts that violate these Terms without prior notice.
You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher) to create an account. The Service is not directed at children under 13, and we do not knowingly collect data from children under 13.
Access to the Service may at certain times be restricted by invitation. We reserve the right to change registration modes without prior notice.
A "household" is a group of users who share access to a common set of expense records. The member who creates the household is its initial administrator ("Admin"). The Admin may invite additional members and remove members. Member access is scoped strictly to their own household — no cross-household data access is possible.
Removing a member from a household revokes their access to that household's data but does not delete data they contributed (expense records remain associated with the household).
The Free plan is available indefinitely at no cost. Features and usage limits (including member counts, receipt scans per month, and history duration) may change with reasonable notice.
Spendojo Plus is a paid subscription that unlocks higher limits and additional features, offered on a monthly or annual basis at the prices displayed at checkout. Depending on how you subscribe, your payment is processed by one of two providers:
A household's subscription is tied to whichever provider was used to purchase it and cannot be active with both providers at once.
Plus subscriptions auto-renew at the end of each billing period.
In both cases, cancellation takes effect at the end of the current paid period, after which your account reverts to the Free plan. No partial refunds are issued for unused time on a paid period, except as described in Section 5.5.
If a renewal payment fails, a grace period applies during which Plus features remain accessible while the payment provider (Stripe or Apple) attempts to retry the charge. If payment is not resolved within the grace period, the account reverts to the Free plan. We will send reminder emails during this time where possible. If your household's member count exceeds the Free plan limit at the time of downgrade, access for members beyond the limit will be restricted — household Admins will receive advance notice.
All sales are final. We do not offer refunds for partial subscription periods, unused features, discontinued features, or downgrades, except where required by applicable law.
We may change Plus pricing at any time.
All expense records, categories, notes, and other content you create within Spendojo ("User Content") remain your property. We claim no ownership rights over User Content.
By using the Service, you grant Spendojo a limited, non-exclusive, royalty-free license to store, process, and display your User Content solely for the purpose of operating and improving the Service for you.
You may export your household's expense data at any time in CSV format or as a monthly PDF report. This right to export is not conditioned on your subscription tier.
Household deletion (Admin only): The member who created the household ("Admin") may delete the household from within the app. This permanently removes all associated expense records, categories, accounts, and member associations from our active systems. Residual copies in backups are purged within 90 days. This action is irreversible and affects all household members.
Leaving a household (Admin action only): Household members cannot remove themselves from a household directly. To be removed from a household, contact your household Admin. The Admin may remove any member from within the app at any time. Removal revokes your access to that household's data but does not delete expense records you contributed — those remain associated with the household.
Personal data and account deletion requests: To request deletion of your Spendojo account, contact us at support@spendojo.com. We will process confirmed deletion requests within 30 days in accordance with applicable data protection law. Upon deletion, your account credentials and personal identifiers are anonymised and your account is deactivated — expense records you contributed are preserved in anonymised form to maintain the integrity of the household's shared financial history. Residual copies in backups are purged within 90 days.
You agree not to:
The Service integrates with the following third-party services, each governed by their own terms and privacy policies:
We are not responsible for the availability, accuracy, or practices of these third-party services.
The Spendojo name, logo, and all software, design, and content created by Spendojo (excluding User Content) are owned by or licensed to us and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that: (a) the Service will be uninterrupted or error-free; (b) exchange rates displayed are accurate or suitable for financial decisions; (c) receipt scanning results will be complete or accurate; (d) AI-generated content, including the AI Monthly Summary feature's spending recaps and guided-question answers, is accurate, complete, or suitable as financial advice — it is informational only, may occasionally misstate a figure or draw an incorrect conclusion, and should be verified against your actual expense records; or (e) the Service will meet all of your requirements.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SPENDOJO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE SERVICE.
OUR TOTAL AGGREGATE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) USD $50.
Some jurisdictions do not allow certain liability limitations, so some of the above may not apply to you.
You agree to defend, indemnify, and hold harmless Spendojo and its officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any User Content you provide.
We may modify, suspend, or discontinue any part of the Service at any time. For material changes affecting paid subscribers, we will provide at least 30 days' notice. Refund eligibility in such cases is governed by Section 5.5.
Either party may terminate at any time. You may terminate by deleting your household and ceasing to use the Service. We may terminate or suspend your access immediately, without prior notice, if you materially breach these Terms. Provisions that by their nature should survive termination (including Sections 6.4, 9, 10, 11, and 12) shall survive.
These Terms are governed by the laws of the State of Kansas, United States, without regard to conflict of law principles, except where mandatory consumer protection laws of your jurisdiction provide greater rights — in which case those laws apply to that extent. Before filing a formal dispute, we ask that you contact us at support@spendojo.com and allow 30 days to attempt informal resolution. If informal resolution fails, disputes shall be resolved by binding arbitration on an individual basis. You waive the right to participate in class proceedings for claims covered by this clause, to the extent permitted by applicable law. If you are located in the European Economic Area, United Kingdom, or any other jurisdiction where mandatory arbitration of consumer disputes is prohibited or restricted by applicable law, the arbitration clause and class action waiver in this section do not apply to you, and disputes shall be resolved through the courts of your jurisdiction.
For questions about these Terms:
support@spendojo.com
These Terms of Service were last reviewed and updated: August 25, 2026. Changes to Section 6.4 take effect September 8, 2026 for existing users.