Terms of Service
Last updated: June 1, 2025
By accessing and using My Spending Pal, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
My Spending Pal is a personal budget management web application that helps users:
- Track multiple income streams
- Manage budget allocations across four key categories
- Monitor spending and savings goals
- Export and import budget data
- Calculate compound interest projections
- Visualize budget allocation through charts
Important: My Spending Pal is a personal finance tool designed for informational and organizational purposes. It is not intended to provide financial advice, investment guidance, or professional financial planning services.
You May:
- Use the service for personal budget management
- Export your data for backup purposes
- Share the application with friends and family
- Provide feedback and suggestions for improvement
You May Not:
- Use the service for any illegal or unauthorized purpose
- Attempt to reverse engineer, decompile, or hack the application
- Use the service to transmit viruses or malicious code
- Violate any laws in your jurisdiction while using the service
- Attempt to gain unauthorized access to other users' data
⚠️ Financial Disclaimer
My Spending Pal provides tools for budget tracking and basic financial calculations. The compound interest calculations and budget recommendations are estimates based on user inputs and should not be considered as financial advice or guaranteed outcomes.
Service Availability
- We strive to maintain 99.9% uptime but cannot guarantee uninterrupted access
- Scheduled maintenance may temporarily affect service availability
- We reserve the right to modify or discontinue features with notice
- The service is provided "as is" without warranties of any kind
Data Accuracy
Users are responsible for the accuracy of their financial data input. While we implement calculations to the best of our ability, users should verify important financial decisions with qualified professionals.
To the maximum extent permitted by applicable law, My Spending Pal shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use of or inability to use the service
- Any financial decisions made based on the information provided
- Any errors or omissions in the calculations or projections
- Any unauthorized access to or alteration of your data
- Any interruption or cessation of transmission to or from the service
Data Security
You are responsible for maintaining the security of your device and browser where your financial data is stored.
Accurate Information
Ensure all financial information entered is accurate and up-to-date for meaningful budget tracking.
Regular Backups
Regularly export your data to prevent loss due to browser data clearing or device issues.
Professional Advice
Consult with qualified financial professionals for important financial decisions and investment advice.
We reserve the right to modify these terms at any time. Material changes will be communicated through:
- In-app notifications
- Updated "Last modified" date on this page
- Email notifications (if contact information is provided)
Continued use of the service after modifications constitutes acceptance of the updated terms.
These terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these terms or the use of My Spending Pal shall be resolved through appropriate legal channels in the jurisdiction where the service is provided.
If you have any questions about these Terms of Service, please contact us through our support channels. We are committed to providing clear information about your rights and responsibilities when using My Spending Pal.
Thank you for choosing My Spending Pal for your personal budget management needs. We're here to help you achieve your financial goals!