Terms and Conditions

Effective Date: August 8, 2026

These Terms and Conditions (“Terms”) form an agreement between you and Elizaveta Peshchanskaya (“we”, “us”, or “our”) governing your use of the iOS application iSpendo (the “App”).

By downloading, accessing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. Eligibility

You must be at least 13 years old, or the higher minimum age required in your country, to use the App. If you are under the age of majority where you live, you may use the App only with the involvement of a parent or legal guardian who agrees to these Terms.

You must have an Apple Account and accept the Apple Media Services Terms and Conditions to download the App and to make purchases.

2. Licence

We grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to use the App on Apple-branded devices that you own or control, as permitted by the Apple Media Services Terms and Conditions and the Usage Rules set out therein.

This licence is for your personal, non-commercial use. You may not copy, modify, distribute, sell, rent, lease, sublicense, reverse engineer, decompile, or create derivative works from the App, except to the extent that applicable law expressly permits it despite this restriction.

3. Use of the App

The App is a journal of personal spending. It lets you quickly write down and organise expenses, categories, budgets, notes, and related summaries.

You may use the App only for lawful purposes. You agree not to interfere with its normal operation, circumvent its technical protections or subscription controls, or use it in a way that breaches applicable laws or regulations.

4. No Financial Advice

The App is a personal record-keeping tool provided for informational purposes only.

It does not provide financial, investment, tax, legal, or accounting advice, and it is not a substitute for professional advice or for your own bank or accounting records.

Figures, totals, forecasts, and summaries shown in the App are derived from what you enter and may contain errors. You are solely responsible for your financial decisions and should consult a qualified professional where appropriate.

5. Your Data and iCloud Synchronisation

Entries you create are stored on your device and, if you enable the feature, synchronised through the private database of your own iCloud account. We have no access to that content and cannot recover it for you.

Synchronisation depends on Apple’s services, your iCloud storage quota, your device settings, and your network connection. We do not guarantee that synchronisation will be uninterrupted, timely, or error-free, and we are not responsible for data loss caused by iCloud, by your device, or by changes to your settings.

You are responsible for maintaining your own backups. Deleting the App, resetting or changing devices, signing out of iCloud, exceeding your iCloud quota, or changing backup settings may result in loss of data.

How data is handled is described in our Privacy Policy, which forms part of these Terms.

6. Subscriptions

The App offers paid features through auto-renewable subscriptions purchased inside the App. The following applies to all subscriptions:

• Price and duration — the price, billing period, and any introductory or promotional offer are shown in the App and in the App Store before you confirm the purchase, in your local currency, including applicable taxes where required.
• Payment — payment is charged to your Apple Account when you confirm the purchase.
• Automatic renewal — the subscription renews automatically for the same period at the then-current price unless you cancel it at least 24 hours before the end of the current period.
• Renewal charge — your Apple Account is charged for renewal within the 24 hours before the end of the current period.
• Managing and cancelling — you can manage or cancel the subscription at any time in the App Store account settings on your device (Settings → your name → Subscriptions). Deleting the App does not cancel a subscription.
• Cancellation timing — cancellation takes effect at the end of the current paid period. You keep access until then.
• Free trials — where a free trial is offered, it converts to a paid subscription automatically unless cancelled at least 24 hours before it ends. If you purchase a subscription while a free trial is running, any unused portion of the trial is forfeited.
• Price changes — if the price increases, Apple will notify you and, where required, your subscription will not renew at the new price until you agree to it.

All payments are processed by Apple. We do not process payments and do not receive your card or bank details. Purchases are also subject to the Apple Media Services Terms and Conditions.

7. Refunds

Purchases made through the App Store are sold by Apple. We cannot issue, approve, or decline refunds, and we have no access to your payment method.

To request a refund, use Apple’s process at reportaproblem.apple.com, or contact Apple Support. Refunds are granted at Apple’s discretion in accordance with the Apple Media Services Terms and Conditions and applicable law.

Consumers in the European Union and the United Kingdom: you have a statutory right to withdraw from a distance contract for digital content within 14 days. This right may be lost once supply of the digital content has begun with your prior express consent and your acknowledgement that you thereby lose the right of withdrawal. Because Apple is the seller of record, withdrawal and refund requests are handled through Apple.

Nothing in these Terms limits any mandatory refund or consumer rights you have under the law of your country or region.

8. Third-Party Services

The App relies on the following third-party services:

• Apple — App Store distribution, payment processing, and iCloud storage.
• RevenueCat, Inc. — management of subscription entitlements.
• Amplitude, Inc. — product usage analytics.

These services are operated by their own providers under their own terms and privacy policies. We are not responsible for their availability, performance, or acts and omissions. Their role is described in our Privacy Policy.

9. Your Responsibility

You are solely responsible for:

• the accuracy and completeness of the information you enter into the App;
• how you interpret and act on totals, budgets, and summaries shown in the App;
• maintaining backups of your data;
• keeping your device and Apple Account secure;
• any charges from your mobile network or internet provider arising from your use of the App.

10. Availability, Updates, and Changes to the App

We may update, modify, suspend, or discontinue the App or any of its features at any time. Updates may be required for the App to continue functioning correctly.

We do not guarantee that the App will always be available, uninterrupted, secure, or free from errors. If we permanently discontinue a paid feature during a period you have already paid for, you may be entitled to a pro-rata refund through Apple in accordance with applicable law.

11. Intellectual Property

The App — including its design, interface, graphics, text, software, and name — is owned by or licensed to Elizaveta Peshchanskaya and protected by intellectual property laws. These Terms grant you a licence to use the App; they do not transfer ownership of anything.

You retain all rights in the content you enter into the App. We claim no ownership of it and, as described in the Privacy Policy, we do not have access to it.

12. Disclaimer of Warranties

The App is provided on an “as is” and “as available” basis.

To the maximum extent permitted by applicable law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you. Consumers retain all statutory guarantees available under local law.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Elizaveta Peshchanskaya shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for loss of data, loss of profits, financial loss, or business interruption, arising from or related to your use of or inability to use the App.

To the maximum extent permitted by applicable law, our total aggregate liability arising out of or relating to the App or these Terms is limited to the greater of the amount you paid for the App and its subscriptions in the twelve months before the event giving rise to the claim, or USD 50.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law. If you are a consumer, these limits apply only to the extent permitted by the consumer protection law of your country or region.

14. Apple-Specific Terms

The following applies because the App is distributed through the App Store:

• Acknowledgement — these Terms are concluded between you and Elizaveta Peshchanskaya only, and not with Apple. We, not Apple, are solely responsible for the App and its content.
• Scope of licence — the licence granted in Section 2 is limited to a non-transferable licence to use the App on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• Maintenance and support — we are solely responsible for providing any maintenance and support for the App. Apple has no obligation to furnish maintenance or support services.
• Warranty — we are solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price of the App to you; to the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App.
• Product claims — we, not Apple, are responsible for addressing any claims relating to the App or your possession and use of it, including product liability claims, claims that the App fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.
• Intellectual property claims — in the event of a third-party claim that the App or your possession and use of it infringes that party’s intellectual property rights, we, not Apple, are solely responsible for the investigation, defence, settlement, and discharge of that claim.
• Legal compliance — you represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Third-party beneficiary — Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you as a third-party beneficiary.

15. Termination

These Terms apply until terminated. We may suspend or terminate your licence if you materially breach these Terms or use the App unlawfully.

You may end these Terms at any time by cancelling any subscription and deleting the App from your device. Sections that by their nature should survive — including intellectual property, disclaimers, limitation of liability, and governing law — survive termination.

16. Changes to These Terms

We may update these Terms if the App, our service providers, or legal requirements change. The updated version will be posted here with a new effective date, and material changes will be notified in the App or through the App Store listing where required.

Continued use of the App after the changes take effect means you accept the updated Terms.

17. Governing Law and Disputes

These Terms are governed by applicable law without regard to conflict of law principles.

If you are a consumer, you keep the benefit of any mandatory provisions of the law of the country in which you reside, and you may bring proceedings in the courts of that country. Consumers in the European Union may also use the European Commission’s online dispute resolution platform.

18. Contact Us

If you have questions about these Terms or the App, contact us at: