Terms of Service

Last updated: 10 September 2026

1. What Spenlow is

Spenlow is an app that runs on your Android device and records the transactions, budgets, accounts and categories that you enter into it. It stores them in an encrypted database on the device.

There is no Spenlow account and no Spenlow server. We do not host your records, we cannot read them, and we cannot recover them for you. What the app does with your data, and the two optional features that can send data off the device, are described in the Privacy Policy, which forms part of these terms.

2. Not financial advice

Spenlow is a record-keeping tool. It is not a bank, not a payment service, and not a financial, tax, accounting or legal adviser. Nothing it shows you — a total, a budget warning, a chart, a projection — is advice or a recommendation, and none of it should be relied on for a tax filing, a legal obligation, or any decision where accuracy matters without you checking the underlying facts yourself.

The figures the app displays are derived from what you entered, or from what it parsed from a message on your device. Both can be wrong. Automatic entries created from bank SMS in particular are a best-effort reading of a message format we do not control, and they may misread an amount, a merchant or the direction of a transaction. Review them.

3. Your licence to use the app

You may install and use Spenlow on devices you control, for your own personal, non-commercial record-keeping. This is a licence to use the app, not a transfer of ownership: the app, its name and its design remain ours.

You may not resell or sublicense the app, present it as your own, or attempt to defeat its security measures in order to obtain another person's data.

4. Your data is yours — and your responsibility

Everything you record in Spenlow belongs to you. You can export all of it — to CSV, XLSX or JSON — at any time, and we encourage you to.

Because your data lives only on your device, keeping it safe is your responsibility. We hold no copy and can restore nothing. In particular:

• Uninstalling the app, clearing its data, resetting the device, or losing or damaging the device destroys the data on it.
• The device's own protections — screen lock, encryption, and who has physical access to it — are the protections your Spenlow data has.
• If you switch on Web Access, any browser you pair can read and change your data until you unpair it or turn the feature off, and traffic on your local network is not encrypted. Use it only on networks you trust.
• If you place a home-screen widget, what it shows is visible to anyone who can see your home screen.

5. Google Drive backup

The optional Google Drive backup uploads an encrypted copy of your data to your own Google Drive. Using it requires a Google account, and your use of Google Drive is governed by your agreement with Google, not by these terms.

Two consequences are worth stating plainly, because they cannot be undone later:

• Your passphrase is the only key. The backup is encrypted on your phone with a key derived from it, before upload. We never receive the passphrase and there is no recovery mechanism, no reset link and no support route that can open your backup without it. If you forget it, that backup is permanently unreadable — by you, by us, and by Google.
• The files live in your Drive, so they are yours to keep or remove. Uninstalling Spenlow does not delete them. Turning backup off gives you the choice of deleting them; you can also delete them yourself, or revoke the app's Drive access at myaccount.google.com/permissions.

Backup is best-effort. A backup may fail or be delayed for reasons outside the app's control — no network, a full Drive, a revoked permission, a device that never gets a chance to run it. Do not treat it as a guarantee that a current copy exists. Restoring replaces the data on the device you restore onto.

What the app requests from Google, and what it does with it, is set out in §7 of the Privacy Policy.

6. Acceptable use

Use Spenlow lawfully and for your own records. Do not use it to store data you have no right to hold, do not attempt to interfere with the app's operation or with another person's use of it, and do not use the Web Access feature to reach a device that is not yours.

7. Third-party services

Spenlow interacts with services we do not run. Each is governed by its own terms and privacy policy, and we are not responsible for how they behave:

• Google Play — distribution, updates, and the in-app rating card the Play Store may show.
• Google Drive and Google APIs — only if you turn backup on.
• Google Firebase (Crashlytics and Analytics) and Kotzilla — only if you opt in to diagnostics, and never carrying your financial data.

8. Pre-release software, availability and changes

Spenlow is currently in closed testing and is pre-release software. It may contain defects, may behave unexpectedly, and may lose data. Features can change, be replaced, or be removed between versions, and we may stop distributing the app or discontinue it entirely without notice. Export your data if you want a copy that outlives any of that.

9. No warranty

Spenlow is provided "as is" and "as available", without warranty of any kind, whether express or implied — including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the app will be uninterrupted or error-free, that its calculations or automatic entries will be accurate or complete, that a backup will succeed or a restore will recover everything, or that defects will be corrected.

10. Limitation of liability

To the fullest extent permitted by applicable law, we are not liable for any indirect, incidental, special or consequential damages, nor for loss of data, loss of profit, or any financial loss arising out of your use of — or inability to use — Spenlow. This includes loss of records held only on your device, a backup that cannot be restored, and any decision taken in reliance on a figure the app displayed.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited. Where liability cannot be excluded, it is limited to the amount you paid for the app — which, for a free app, is nothing.

11. Ending your use

You can end this agreement at any time by uninstalling the app. If you had turned Drive backup on, remember that uninstalling does not remove the encrypted files already in your Drive — delete them there, or revoke access, if you want them gone.

We may end your licence if you breach these terms, particularly §6.

12. Changes to these terms

If these terms change we will update the "Last updated" date above and post the revised terms at the same URL. Continuing to use the app after a change means you accept the revised terms.

13. Contact

Questions about these terms? Email seenivasant.dev+spenlow@gmail.com.