Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Spendulge LLC (“Spendulge,” “we,” “our,” or “us”) governing your use of the Spendulge mobile application, website, and related services (collectively, the “Platform”).

By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not accept these Terms, you may not access or use the Platform.

2. Overview of the Service

Spendulge is a group expense coordination tool that allows users to:

Create shared wallets for social groups (e.g., roommates, friends, travelers)
Add and invite participants to wallets
Record expenses and assign payment shares
Track individual balances and group totals
Settle balances manually outside of the App

Spendulge is not a financial institution and does not process or facilitate payments. All payments must occur through external services or personal arrangements outside the Platform.

3. Eligibility

To use Spendulge, you must:

By using the Platform, you represent and warrant that you meet these eligibility requirements.

4. User Responsibilities

As a user of Spendulge, you agree to:

Maintain the confidentiality of your login credentials
Only create or join wallets with the consent of other participants
Enter truthful, non-misleading information in wallets and expenses
Use the Platform respectfully and not for fraud, harassment, or illegal conduct
Take full responsibility for resolving financial matters with wallet participants outside the App

Spendulge does not verify the accuracy of user-entered data or enforce payment obligations.

5. Account Registration and Access

You may access the Platform using supported authentication providers (e.g., Google or Apple Sign-In). User accounts and session management are securely handled through Supabase, our backend infrastructure.

You are responsible for all activity occurring under your account. Spendulge reserves the right to suspend or terminate any account in case of misuse, suspected fraud, or violation of these Terms.

6. Intellectual Property

All intellectual property associated with Spendulge — including but not limited to its name, logo, user interface, software code, and design assets — are owned by Spendulge LLC or its licensors. You are granted a limited, non-transferable license to use the Platform solely in accordance with these Terms.

You may not modify, reproduce, distribute, or reverse-engineer any part of the Platform without prior written consent.

7. Data and Privacy

Your use of the Platform is subject to our Privacy Policy, which outlines how we collect, use, and protect your data.

Key principles include:

You are responsible for ensuring that you have the right to share participant contact information if inviting others to a wallet.

8. Third-Party Services

The Platform may include integrations or analytics tools (such as Google Analytics). These services are governed by their own terms and privacy policies. Spendulge is not liable for any actions, errors, or privacy practices of third-party services.

9. Limitations and Disclaimers

Spendulge is provided “as is” and “as available,” without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee the accuracy of data input by users, nor are we responsible for payment disputes, financial losses, or group conflicts arising from the use of the Platform.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Spendulge LLC shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to loss of data, reputational harm, or payment disputes between users, even if advised of the possibility of such damages.

Our total liability under these Terms shall not exceed the amount paid by you (if any) for use of the Platform in the preceding 12 months.

11. Delete Account

If you wish to delete your Spendulge account, you can do so directly from within the app.

To delete your account:

Go to Settings
Tap Edit Profile
Select Delete Account

Once deleted, all your personal data, including your profile information and activity history, will be permanently removed from our servers, except where retention is required by law.

12. Modifications

Spendulge reserves the right to modify or update these Terms at any time. Material changes will be communicated through in-app notifications, email, or our website. Continued use of the Platform following such changes constitutes acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in New Jersey and the parties hereby irrevocably consent to the jurisdiction of such courts.

14. Contact Information

For questions, feedback, or support, please contact:

Spendulge LLC