Terms of Service
Simple and fair terms
Transparent terms that put you in control of your budgeting experience.
Last updated: March 2025
Cancel anytime, no questions asked
We believe in earning your business every month, not locking you in.
What you get
- Full access to envelope budgeting features
- Secure bank account integration via Plaid
- Real-time transaction categorization
- Monthly spending insights and reports
Our commitment
- Cancel your subscription at any time
- Keep your data until you choose to delete it
- No hidden fees or surprise charges
- Transparent pricing with no fine print
No Refunds
We don't offer refunds for monthly subscriptions, but you can cancel anytime to stop future charges.
Easy Cancellation
Cancel your subscription directly in the app or by contacting support. Takes effect at the end of your billing period.
Fair Billing
Monthly billing with no long-term contracts. You only pay for the months you use Spense.
Fair Use Guidelines
Please do:
- Use Spense for personal budgeting and financial management
- Connect your own bank accounts and financial data
- Share feedback and suggestions to help us improve
Please don't:
- Share your account with others or use it commercially
- Attempt to reverse engineer or hack the app
- Use Spense for any illegal or harmful activities
Questions about our terms?
We believe in keeping things simple and transparent. If you have questions about our terms of service, we're happy to clarify.
Contact us about terms