Terms of Service

Last updated: 2026-10-12

These Terms of Service ("Terms") govern your use of Spenza ("Spenza", "we", "us", or "our"). By creating an account or using Spenza, you agree to these Terms.

Contact

• Support: z1esco@s-penza.app
• Security: z1esco@s-penza.app

Service Description

Spenza provides tools for personal spending tracking, budgeting, receipt OCR, CSV import, notifications, analytics, exports and spending insights, subject to feature availability and usage limits. Spenza is for informational and organizational purposes only.

Eligibility

You may use Spenza only if you can legally agree to these Terms. If you are under the age required by applicable law, you may use Spenza only with parent or guardian consent.

Accounts and Security

You are responsible for:

• Providing accurate account information
• Keeping your login credentials secure
• Maintaining control of your Google OAuth account, if used
• All activity under your account
• Notifying us promptly about suspected unauthorized access

We may suspend or restrict access if we detect abuse, security risk, policy violations, or unlawful activity.

User Data

You retain ownership of the financial data and content you enter into Spenza. You grant Spenza permission to process that data only as needed to provide, secure, support, and improve the service.

You are responsible for the accuracy of your expenses, budgets, receipt scans, CSV imports, and notes.

Financial Disclaimer

Spenza does not provide financial, investment, legal, accounting, tax, credit, or banking advice. Insights, alerts, budgets, and analytics are informational only and may be incomplete or inaccurate.

You are responsible for your own financial decisions.

OCR and AI Insights

Receipt and bank-statement extraction use OpenAI (GPT). AI Insights and Financial Coach use Google Gemini. Requests pass through authenticated server-side functions, and availability depends on the relevant provider. AI output may be incomplete or inaccurate. You must review extracted details before saving expenses and verify insights before acting on them. Spenza has implemented server-side Claude (Anthropic) support in its Financial Coach for conversational spending analysis, budgeting guidance, transaction understanding and Malaysian financial-data reasoning, including MYR transactions and mixed Malay-English questions. Claude support is implemented server-side but is not yet active in production.

Spenza does not guarantee that merchant names, dates, amounts, categories, recurring subscriptions, or savings opportunities will be detected correctly.

Free and Premium Plans

Spenza is publicly released for Android with standard/free access. Spenza Premium is Coming Soon; paid subscriptions are not currently available.

Free features may include:

• Expense tracking
• Budget tracking
• Basic analytics
• Notifications

If Premium becomes available, its features may include the following; this list does not offer a current paid plan:

• OCR receipt scanning
• AI insights
• PDF reports
• Advanced analytics
• Unlimited categories

Plan features, limits, prices, and availability may change with notice where required by law or app store policy.

Billing, Renewal, and Cancellation

Paid subscriptions, Google Play Billing, purchase restoration, renewals and cancellations are not currently available. Personal recurring-expense tracking remains available and does not purchase or cancel subscriptions with third-party services. If Google Play Billing is offered in a future release, Google Play may handle payment, renewal, cancellation, refunds, taxes and payment method management.

If paid subscriptions become available, the applicable purchase terms will explain how to manage or cancel them. Any future Google Play subscriptions would be managed through the purchaser’s Google Play account, with server-side verification before granting paid access.

If purchases become available, refunds would be subject to the applicable billing provider’s policies and applicable law.

Acceptable Use

You agree not to:

• Use Spenza for unlawful activity
• Attempt to access another user's data
• Bypass authentication, row-level security, billing, or feature gates
• Upload malware or harmful files
• Abuse OCR, exports, notifications, support, or account systems
• Reverse engineer or interfere with the app except where allowed by law
• Misrepresent your identity or payment status
• Use Spenza in a way that harms the service or other users

Third-Party Services

Spenza relies on third-party services, including Supabase, OpenAI (GPT), Google Gemini, Google OAuth, Firebase Cloud Messaging, Google Play Billing and app store providers. Your use of those services may be subject to their terms and privacy policies.

Service Availability

Spenza may be interrupted due to maintenance, network issues, provider outages, security incidents, or product changes. We do not guarantee that the service will always be available or error-free.

Data Export and Deletion

Where available, Spenza lets you export your financial data. You may request account or data deletion by contacting z1esco@s-penza.app. Some records may be retained where required for legal, billing, security, dispute, or compliance purposes.

Termination

You may stop using Spenza at any time. We may suspend or terminate access if you violate these Terms, create risk or use the service unlawfully. If paid billing becomes available, failed purchase verification may restrict paid features.

Limitation of Liability

To the maximum extent permitted by law, Spenza is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, goodwill, or financial opportunity.

Nothing in these Terms excludes or limits rights or remedies that cannot be excluded or limited under applicable law.

Changes

We may update these Terms as Spenza changes. We will communicate material changes through the app, website, store listing, or email where appropriate.