Terms of Service
Last updated: July 2026
1. Acceptance of terms
By creating an account and using My Safe-To-Spend, you agree to be bound by these terms. If you do not agree, do not use the service.
2. Description of service
My Safe-To-Spend is a manual cash-flow management tool that helps households track their income, expenses, and available spending balance. The service does not connect to bank accounts or financial institutions. All data is entered manually by the user.
3. Eligibility and geographic restriction
My Safe-To-Spend is intended solely for use by individuals located within the United States. By creating an account, you represent and warrant that you are accessing and using the service from within the United States and are at least 18 years old. We make no representation that the service is appropriate, legal, or available for use in any other country or jurisdiction, and accessing it from outside the United States is done at your own initiative and risk. We reserve the right to limit, suspend, or restrict access to the service based on geographic location at our discretion.
4. Your account
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account.
5. Acceptable use
You agree to use My Safe-To-Spend only for lawful personal or household financial tracking purposes. You may not use the service to store false or fraudulent information, impersonate any person or entity, or violate any applicable law.
6. Prohibited conduct and security
Without limiting the foregoing, you agree that you will not, and will not attempt to: (a) reverse engineer, decompile, disassemble, or otherwise attempt to discover or derive the source code, underlying ideas, algorithms, or structure of any part of the service; (b) access, or attempt to access, any account, data, or content belonging to another user through any means not expressly authorized by us, including credential stuffing, password guessing, session hijacking, or exploiting a vulnerability; (c) probe, scan, or test the vulnerability of the service or any related systems or networks, or breach, circumvent, or disable any security or authentication measures; (d) use any bot, scraper, crawler, or other automated means to access, extract, or collect data from the service without our prior written consent; (e) introduce any virus, malware, or other harmful code, or engage in a denial-of-service attack or any other conduct that disrupts, disables, or degrades the service; or (f) access the service through any means other than the interfaces we provide. Any violation of this section may constitute unauthorized access under applicable computer fraud and abuse laws, will result in immediate suspension or termination of your account, and may be reported to law enforcement and pursued through all available legal remedies.
7. Data and privacy
We store only the information you provide: your name, email address, and the financial data you enter. We do not sell your data. We do not connect to your bank. See our Privacy Policy for full details.
8. Subscriptions and billing
After your free trial period, continued access to My Safe-To-Spend requires a paid subscription. Subscription fees are charged in advance on a monthly or annual basis. You may cancel at any time. Refunds are not provided for partial billing periods.
9. Trial period
New accounts receive a 30-day free trial with full access to all features. After the trial ends, your account will be paused until a subscription is activated. Your data is preserved for 180 days after your trial ends.
10. Termination
You may delete your account at any time by contacting us. We reserve the right to suspend or terminate accounts that violate these terms — including any violation of the Prohibited conduct and security section — immediately and without notice. Upon termination, your data will be deleted in accordance with our data retention policy.
11. Disclaimer of warranties
My Safe-To-Spend is provided "as is" without warranties of any kind. We do not guarantee the accuracy of Safe-To-Spend calculations or that the service will be available without interruption. The service is a tool to assist with personal financial awareness and is not a substitute for professional financial advice.
12. Limitation of liability
To the maximum extent permitted by law, My Safe-To-Spend and its operators shall not be liable for any indirect, incidental, or consequential damages arising from your use of the service, including any financial decisions made based on information displayed in the app.
13. Indemnification
You agree to indemnify, defend, and hold harmless My Safe-To-Spend and its operators from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your violation of these terms, your misuse of the service, or your violation of any rights of another party.
14. Governing law and jurisdiction
My Safe-To-Spend is operated from the State of Tennessee. These terms, and any dispute or concern arising out of or relating to them or your use of the service, will be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles. You agree that any legal action or proceeding arising under these terms will be brought exclusively in the state or federal courts located in Tennessee, and you consent to the personal jurisdiction and venue of those courts.
15. Changes to these terms
We may update these terms from time to time. Updates will be dated at the top of this page. We will not notify users of changes by email unless required to do so by law. Continued use of the service after changes are posted constitutes acceptance of the updated terms.
16. Contact
Questions about these terms can be directed to us at support@mysafetospend.com.