Terms of Use

Effective date: January 1, 2026 · Last updated: April 2026

Please read these Terms carefully before using HomeSpend. By creating an account or using the App, you agree to be bound by these Terms.

1. Acceptance of Terms

These Terms of Use ("Terms") govern your use of the HomeSpend mobile application ("App") operated by SmartData IQ ("we", "us", or "our"). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

2. Eligibility

You must be at least 13 years of age to use HomeSpend. By using the App, you represent that you meet this requirement. If you are under 18, you should review these Terms with a parent or guardian.

3. Account Registration

You may sign in using Google or Apple authentication. You are responsible for:

Maintaining the confidentiality of your account credentials
All activity that occurs under your account
Notifying us promptly of any unauthorized use

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Household Features

HomeSpend allows you to create or join a shared household. By joining a household:

You agree that your transactions, chores, and shopping list entries are visible to all household members
You understand that a household owner may remove members at any time
You are responsible for the accuracy of financial data you enter

5. Subscriptions and Billing

HomeSpend offers a free tier and a Pro subscription ("HomeSpend Pro"). By purchasing a subscription:

Payment is charged to your App Store or Google Play account at confirmation of purchase
Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period
You can manage or cancel your subscription in your device's Account Settings
No refunds are provided for partial subscription periods, except where required by law
Prices may change with reasonable advance notice

One active Pro subscription covers all members of the same household.

6. Acceptable Use

You agree not to:

Use the App for any unlawful purpose or in violation of any applicable law
Attempt to reverse engineer, decompile, or disassemble the App
Interfere with or disrupt the integrity or performance of the App or its data
Use the App to store or transmit malicious code
Access the App through automated means (bots, scrapers)
Misrepresent your identity or affiliation

7. Intellectual Property

All content, design, code, and trademarks in the App are owned by SmartData IQ or licensed to us. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes. Nothing in these Terms grants you any ownership rights in the App.

8. User Content

You retain ownership of the financial data and images you enter into the App. By using the App, you grant us a limited license to store, process, and display your content solely to provide the service. We do not claim ownership of your data and will not use it for any purpose beyond operating the App.

9. Disclaimer of Warranties

HomeSpend is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the App will be uninterrupted, error-free, or free of viruses. The App is a personal finance tool for informational purposes only — it does not constitute financial, tax, or legal advice.

10. Limitation of Liability

To the maximum extent permitted by law, SmartData IQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App, including but not limited to loss of data or financial loss, even if we have been advised of the possibility of such damages. Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Termination

You may stop using the App and delete your account at any time from Settings → Delete My Account. We may suspend or terminate your access at any time, with or without cause, with or without notice. Upon termination, your right to use the App ceases immediately.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by updating the "Last updated" date and, where appropriate, through an in-app notice. Continued use of the App after changes constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by the laws of the jurisdiction in which SmartData IQ is registered, without regard to conflict of law principles. Any disputes shall be resolved in the courts of that jurisdiction.

14. Contact Us

Questions about these Terms? Contact us at:
SmartData IQ
legal@smartdataiq.com
homespend.smartdataiq.com/support