Terms of Service

Last updated: August 6, 2025

Welcome to SpendLite!

These Terms of Service ("Terms") govern your use of SpendLite, a privacy-first personal finance web application. By purchasing or using SpendLite, you agree to these Terms. If you don't agree, please don't use our service.

Company Information

Spendlite
Ahmedabad, Gujarat, India
Email: hello@spendlite.in
Phone: +91 99138 70186 (Mon-Fri, 10 am-6 pm IST)

1. What is SpendLite?

SpendLite is a web-based application that helps you analyze your bank statements locally in your browser. Key features:

• 100% Offline Processing: Your financial data never leaves your device
• CSV Parsing: Currently supports HDFC Bank statements (more banks coming)
• Lifetime License: One-time payment of ₹499 for unlimited use
• Progressive Web App: Works on any modern browser

2. License & Usage Rights

What You Get

When you purchase SpendLite for ₹499, you receive:

• A personal, non-transferable lifetime license
• Access to all current features
• All future updates and improvements
• The right to use SpendLite on unlimited devices you own

What You Cannot Do

• Share your license key with others
• Resell or redistribute SpendLite
• Reverse engineer or modify the code
• Use SpendLite for illegal activities
• Claim ownership of SpendLite's intellectual property

3. Your Responsibilities

Accurate Information

You agree to provide accurate information when purchasing SpendLite. This includes your name, email address, and phone number for license delivery and support purposes.

Data Security

Since SpendLite runs entirely in your browser, YOU are responsible for:

• Keeping your device secure
• Backing up your data using our "Download Backup" feature
• Not sharing your browser with untrusted users while SpendLite contains your data
• Clearing your browser data if using a public or shared computer

Legal Compliance

You agree to use SpendLite only for lawful purposes and in compliance with all applicable laws, including tax regulations and financial reporting requirements in your jurisdiction.

4. Payment Terms

Pricing

• Current price: ₹499 (one-time payment)
• Price includes all taxes and fees
• No hidden charges or subscriptions
• Early-access pricing valid until September 1, 2025

Payment Processing

Payments are processed by Razorpay. By purchasing, you agree to Razorpay's terms of service. We never directly handle or store your payment information.

Refunds

We offer a 7-day money-back guarantee. See our Refund Policy for details.

5. Intellectual Property

Our Property

SpendLite, including its code, design, logos, and documentation, is the property of SpendLite. All rights reserved.

Your Data

You retain all rights to your financial data. We never access, view, or claim ownership of your bank statements or transaction information.

Feedback

If you provide suggestions or feedback, you grant us the right to use them without compensation to improve SpendLite for all users.

6. Disclaimers & Limitations

No Financial Advice

Accuracy Disclaimer

While we strive for accuracy, SpendLite's categorization and calculations depend on:

• The quality of your bank's CSV export
• Correct file format and structure
• Your manual corrections and categorizations

Always verify important calculations independently.

"As Is" Service

SpendLite is provided "as is" without warranties of any kind, either express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted or error-free operation

7. Limitation of Liability

To the maximum extent permitted by law, SpendLite shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the amount you paid for SpendLite (₹499)

This limitation applies even if we've been advised of the possibility of such damages.

8. Indemnification

You agree to indemnify and hold harmless SpendLite, its partners, employees, and affiliates from any claims, damages, or expenses arising from:

• Your use or misuse of SpendLite
• Your violation of these Terms
• Your violation of any laws or third-party rights

9. Termination

By You

You can stop using SpendLite at any time. Simply clear your browser data to remove all traces. See our Cancellation Policy for details.

By Us

We reserve the right to terminate or suspend your license if you:

• Violate these Terms
• Engage in fraudulent activity
• Abuse our refund policy
• Attempt to harm our service or other users

10. Updates & Modifications

Service Updates

We continuously improve SpendLite. Updates are automatically available when you refresh the app. We're not obligated to maintain compatibility with outdated browsers.

Terms Updates

We may update these Terms occasionally. We'll notify license holders of significant changes via email. Continued use after changes means you accept the new Terms.

11. Privacy

Your privacy is paramount. See our Privacy Policy for detailed information about how we protect your data (spoiler: we can't see it!).

12. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Ahmedabad, Gujarat, India.

13. Dispute Resolution

Friendly Resolution

We prefer to resolve issues amicably. If you have concerns, please contact us first at hello@spendlite.in. Most issues can be resolved with a simple conversation.

Arbitration

If we can't resolve disputes informally, they'll be settled through binding arbitration in Ahmedabad, India, under the Arbitration and Conciliation Act, 2015.

14. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect. The unenforceable provision will be modified to reflect the parties' intention.

15. Entire Agreement

These Terms, along with our Privacy Policy, Refund Policy, and Cancellation Policy, constitute the entire agreement between you and SpendLite regarding SpendLite.

16. Contact Information

For questions about these Terms or SpendLite:

Email:hello@spendlite.in
Phone:+91 99138 70186 (Mon-Fri, 10 am-6 pm IST)
Address: SpendLite, Ahmedabad, Gujarat, India