Terms of Service
Last updated: January 21, 2026
1. Acceptance of Terms
By accessing or using SpentWorth, you agree to be bound by these Terms of Service. If you don't agree to these terms, please don't use our service.
2. Description of Service
SpentWorth is a personal finance tool that helps you:
- • Upload and categorize bank transaction data from CSV files
- • Track spending patterns and identify opportunities
- • Calculate the opportunity cost of spending decisions
- • Set and track financial goals
3. User Accounts
You are responsible for:
- • Maintaining the confidentiality of your account
- • All activities that occur under your account
- • Notifying us immediately of any unauthorized use
4. User Data
You retain ownership of all data you upload to SpentWorth. We don't claim any rights to your personal financial data. You can export or delete your data at any time.
5. Prohibited Uses
You agree not to:
- • Use the service for any illegal purpose
- • Upload malicious files or code
- • Attempt to gain unauthorized access to our systems
- • Resell or redistribute the service
6. Disclaimer
SpentWorth is provided "as is" without warranties of any kind. The calculations and insights provided are for informational purposes only and should not be considered financial advice. Past performance does not guarantee future results.
7. Limitation of Liability
SpentWorth shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the service.
8. Changes to Terms
We may update these terms from time to time. We'll notify you of significant changes via email or through the service.
9. Contact
Questions about these terms? Contact us at legal@spentworth.com.