SpendSmart

S&L Development LLC — Terms of Service

Document: SLD-TOS-001 Version: 1.0 Effective Date: July 16, 2026

1. Acceptance of Terms

By downloading, accessing, or using SpendSmart (the “App”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the App.

2. Eligibility

You must be at least 18 years old to use SpendSmart. By using the App, you represent and warrant that you meet this requirement.

3. Description of Service

SpendSmart is a personal budgeting and financial-tracking application. It supports two ways of tracking your finances:

• Manual tracking — you enter accounts, balances, budgets, and transactions yourself.
• Plaid-connected accounts — you may optionally connect a financial institution through Plaid Link to import transaction and balance data. Connecting an account is entirely optional and is never required to use the App’s core budgeting features.

4. Third-Party Services

SpendSmart relies on the following third-party service providers:

• Plaid, to connect to and retrieve data from your financial institution. Your use of Plaid Link is also subject to Plaid’s own Terms and Privacy Policy (https://plaid.com/legal). Your bank credentials are entered directly into Plaid Link’s own interface and are never seen or stored by us.
• Supabase, for authentication and backend infrastructure.
• Apple App Analytics and Apple crash reporting, for usage analytics and diagnostic information.

We are not responsible for the practices, availability, or content of these third-party services, which are governed by their own terms.

5. Financial Disclaimer

SpendSmart is a budgeting and tracking tool. It is not a bank, financial institution, investment advisor, or provider of financial, legal, or tax advice. Information displayed in the App — including balances and transactions imported through Plaid — may be delayed, incomplete, or inaccurate. You are responsible for independently verifying your account information directly with your financial institution before relying on it for any financial decision. SpendSmart does not initiate any transfer, payment, or transaction on your behalf.

6. User Responsibilities

You are responsible for:

• Providing accurate account information.
• Maintaining the confidentiality of your account credentials.
• All activity that occurs under your account.
• Your decision to connect, and continued use of, any linked financial institution.

You agree not to use the App for any unlawful purpose or in any way that could damage, disable, or impair the App or its infrastructure.

7. Account Termination

You may delete your account at any time from within the App. We may suspend or terminate your access to the App if we reasonably believe you have violated these Terms, engaged in fraudulent or unlawful activity, or if required to do so by law. Upon termination, your data will be handled in accordance with our Privacy Policy.

8. Disclaimer of Warranties

The App is provided “as is” and “as available,” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the App will be uninterrupted, error-free, or that data imported through Plaid will always be accurate or current.

9. Limitation of Liability

To the fullest extent permitted by law, S&L Development LLC and its owners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or revenue, arising out of or related to your use of the App, even if advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or the App shall not exceed the amount, if any, you paid us to use the App in the twelve (12) months preceding the claim.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of the App after changes take effect constitutes acceptance of the revised Terms. Material changes will be reflected by an updated Effective Date above.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the state and federal courts located in Georgia. You and S&L Development LLC each agree to submit to the personal jurisdiction of those courts.

12. Contact Information

S&L Development LLC Email: support@sldevapps.com