Legal

Terms of Service

Effective date: June 9, 2026

These Terms of Service govern your use of SpeakSpend, a mobile personal finance tracking app for iOS and Android. By creating an account or using SpeakSpend, you agree to these Terms and the Privacy Policy.

What SpeakSpend Does

SpeakSpend helps users record expenses, income, transfers, accounts, balances, categories, notes, CSV exports, charts, and related summaries. Voice entry is available as a convenience for creating editable transaction drafts.

Eligibility

You must be able to form a binding agreement in your location and must not use SpeakSpend if you are prohibited from doing so.

Account Responsibility

You are responsible for keeping your sign-in credentials secure, protecting access to your device, entering accurate financial records, reviewing voice-parsed drafts before saving, exporting your own data when needed, and signing out on shared devices.

No Financial Advice

SpeakSpend is a tracking tool. It does not provide investment, legal, tax, accounting, banking, credit, or financial advice. Summaries, charts, balances, tips, and insights are informational only. You should consult qualified professionals before making financial decisions.

Voice Entry

Voice entry may misunderstand speech, amounts, dates, categories, account names, merchants, or notes. SpeakSpend creates an editable draft from voice input, and you are responsible for reviewing and correcting the draft before saving it.

Currency

SpeakSpend MVP uses one app currency selected during onboarding. The app is not a currency exchange, banking, tax, legal, or investment tool. You should not rely on SpeakSpend summaries for official accounting, tax, or financial reporting.

Offline Use

Manual ledger changes may be stored locally while offline and synced when internet access returns. Voice entry, sign in, account deletion, and some backend operations require an internet connection.

Acceptable Use

You must not attempt to access another user's account or data, attack or overload the app or backend, abuse voice parsing or backend services, upload unlawful or misleading content, reverse engineer the service where prohibited, or use SpeakSpend for illegal activity.

Availability And Changes

SpeakSpend may be unavailable due to maintenance, network issues, backend outages, app store issues, third-party service problems, or changes to the app. Features may be changed, added, limited, or removed over time.

Data Export And Account Deletion

CSV export is available from the Records screen. Self-serve account deletion is available inside the app from Account & Settings. Deletion instructions are also available at speakspend.com/account-deletion.

Subscriptions And Payments

Subscription billing is not active at launch unless a future app release clearly enables paid features. If paid features are added, pricing, renewal, cancellation, and refund information will be provided before purchase through the applicable app store or payment provider.

Intellectual Property

SpeakSpend, its design, name, logo, app interface, website, and related materials are owned by SpeakSpend or its owner. You may use the app only as allowed by these Terms and applicable app store rules.

Limitation Of Liability

To the fullest extent allowed by law, SpeakSpend is provided as-is and without warranties. SpeakSpend is not responsible for financial loss, incorrect records, missed transactions, service interruptions, data entry mistakes, voice parsing errors, sync delays, or decisions made based on app summaries.

Termination

You may stop using SpeakSpend at any time and may delete your account in the app. SpeakSpend may suspend or terminate access if the app is misused, security is at risk, or these Terms are violated.

Changes To These Terms

These Terms may be updated as SpeakSpend changes. The effective date will be updated when material changes are published. Continued use of SpeakSpend after updated Terms are posted means you accept the updated Terms.

Contact

For support or legal questions, contact support@speakspend.com.