Terms of Service
Last updated: [EFFECTIVE DATE]
These Terms of Service ("Terms") govern your use of Spendid (the "Service"). By creating an account or using the Service, you agree to these Terms. [Replace with finalized copy.]
1. The Service
Spendid is a personal budgeting tool that connects to your financial accounts (via Plaid) to import and categorize transactions. The Service is provided for personal, non-commercial use. [Describe scope and limits.]
2. Your account
You are responsible for keeping your credentials secure and for all activity under your account. You must provide accurate information and be old enough to enter a binding contract in your jurisdiction.
3. Financial data & Plaid
By connecting a financial institution, you authorize Spendid and Plaid to access your account information as described in our Privacy Policy and Plaid's End User Privacy Policy. Spendid is not a bank and does not move money.
4. Acceptable use
[Prohibit unlawful use, reverse engineering, abuse, unauthorized access, etc.]
5. Disclaimers & limitation of liability
The Service is provided "as is" without warranties of any kind. Spendid is a budgeting aid, not financial, tax, or investment advice. [Insert lawyer-reviewed disclaimer and liability-cap language.]
6. Changes & termination
We may update these Terms or the Service, and you may stop using the Service at any time. [State notice and termination process.]
7. Contact
Questions about these Terms: [CONTACT EMAIL].