Terms & Conditions

By creating an account, downloading the SocialSpend app, or otherwise accessing our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must not use the Service. These Terms constitute a legally binding agreement between you and Unitect LLC.

You must be at least 18 years of age to use SocialSpend. By using the Service, you represent and warrant that you meet this age requirement.

SocialSpend is a personal finance and budgeting application available on iOS that provides:

• Budget creation and expense tracking tools
• Automatic transaction imports from Apple Wallet and connected financial accounts
• A Financial Health Score (0–100) based on your spending and saving behavior
• The SocialSpend Club — anonymous, aggregated financial comparisons with users who share similar demographics (job category, age range, and city)
• A gamified league progression system (Bronze → Silver → Gold → Platinum → Diamond)
• AI-powered financial insights and personalized recommendations

The Service is intended for personal, non-commercial use only. SocialSpend is a financial tracking tool and does not constitute financial advice, investment advice, tax advice, or any other professional financial service.

To access most features of the Service, you must create an account. When creating your account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials confidential and secure
• Notify us immediately of any unauthorized use of your account at hello@getsocialspend.com
• Be responsible for all activity that occurs under your account

We reserve the right to suspend or terminate accounts that violate these Terms, at our sole discretion.

4.1 Free Trial

SocialSpend offers a 7-day free trial for new subscribers. During the free trial period, you will have full access to all features of the Service. No charge will be applied during the trial period. If you do not cancel before the trial ends, your subscription will automatically convert to a paid subscription at the applicable rate.

4.2 Subscription Plans

SocialSpend offers the following subscription options, billed through your Apple ID via the App Store:

• Monthly Plan: $9.99 USD per month
• Annual Plan: $74.99 USD per year (equivalent to approximately $6.25/month)

Prices are in USD and may vary by region. Applicable taxes may apply depending on your location.

4.3 Auto-Renewal

Your subscription will automatically renew at the end of each billing cycle unless you cancel at least 24 hours before the renewal date. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period.

4.4 Cancellation

You may cancel your subscription at any time through your iPhone or iPad Settings: Settings → [Your Name] → Subscriptions → SocialSpend → Cancel Subscription. Cancellation takes effect at the end of the current billing period; no partial refunds are issued for unused time.

4.5 Refunds

All purchases are final and non-refundable except as required by applicable law or Apple's App Store refund policies. For refund requests, please contact Apple Support directly through the App Store.

4.6 Price Changes

We reserve the right to modify subscription prices. We will provide reasonable advance notice of any price changes. Continued use of the Service after a price change constitutes acceptance of the new pricing.

When you log an expense, we record it together with the currency, income, and general location (city) that were active on your account at that time. If you later change your currency, income, or location in Settings, this does not retroactively change how your past expenses are stored or displayed — each entry permanently reflects the context in which it was originally logged.

We may use this historical data, in aggregate and/or anonymized form, to: power SocialSpend+ features that let you compare your spending against other users (e.g., by city or income range); calculate your financial health score and related in-app insights; and inform our own internal product decisions and analytics.

Your city, if provided, is used only for these purposes. It is never displayed alongside your email address or any other information that could identify you to other users.

You may update or remove your location at any time from Settings. Doing so only affects data going forward and does not alter your past records.

Your privacy is important to us. By using the Service, you consent to our collection, use, and sharing of your information as described in our Privacy Policy.

Key points regarding your data:

• Financial data you import or enter is used to power your personal budgeting features
• Data shared in the SocialSpend Club is fully anonymized and aggregated — your individual spending data is never directly visible to other users
• You may request deletion of your account and associated data at any time by contacting us
• We employ industry-standard security measures to protect your data

You agree not to use the Service to:

• Violate any applicable local, state, national, or international laws or regulations
• Attempt to reverse engineer, decompile, or disassemble any part of the Service
• Use automated tools, bots, scrapers, or other means to access or collect data from the Service
• Attempt to gain unauthorized access to any portion of the Service or its related systems
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Service for any unlawful or fraudulent purpose
• Interfere with or disrupt the integrity or performance of the Service
• Share your account credentials with others or create multiple accounts
• Use the Service for any commercial purpose without our express written consent

The Service and all of its content, features, and functionality — including but not limited to text, graphics, logos, icons, and software — are the exclusive property of Unitect LLC and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use. You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

The Service integrates with certain third-party services, including:

• Clerk: For user authentication and account management
• Plaid: For optional bank account connections (subject to Plaid's own terms of service)
• OpenAI: For AI-powered insights and recommendations
• Apple Pay / Apple Wallet: For transaction imports

Your use of these third-party services may be subject to their respective terms and privacy policies. We are not responsible for the practices of third-party service providers.

NOT FINANCIAL ADVICE.

SocialSpend is a budgeting and financial tracking tool only. The Service, including any Financial Health Scores, AI-powered insights, league rankings, and spending comparisons, is provided for informational purposes only and does not constitute:

• Financial advice or investment advice
• Tax advice or accounting services
• Legal advice
• Insurance advice
• Any other professional financial service

You should consult a qualified financial professional before making any significant financial decisions. We make no warranties regarding the accuracy, completeness, or fitness of financial data or insights provided by the Service.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNITECT LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

You agree to indemnify, defend, and hold harmless Unitect LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

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

Any disputes arising from or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual property violations.

YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT.

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Updating the "Last Updated" date at the top of this page
• Sending a notification through the app
• Sending an email to the address associated with your account

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including if we believe you have violated these Terms. Upon termination, your right to use the Service will immediately cease.

You may terminate your account at any time by cancelling your subscription and deleting the app. Provisions of these Terms that by their nature should survive termination shall survive.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

If you have any questions about these Terms, please contact us: