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
Important: SpendLite is a tool for organizing and visualizing your financial data. It does NOT provide financial advice, investment recommendations, or tax guidance. Always consult qualified professionals for financial decisions.
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
By using SpendLite, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Thank you for choosing SpendLite to manage your finances privately and securely! 🚀