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Terms and Conditions

Terms and Conditions

Mindspend Last Updated: January 2026

1. Agreement to Terms

By downloading, installing, or using Mindspend ("the App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you and SOLO VENTURES SRL ("Company," "we," "us," or "our").

2. Description of Service

Mindspend is a personal finance application designed to help users:

  • Track expenses and spending habits
  • Set and monitor financial goals
  • Understand emotional patterns related to spending
  • Build sustainable money management habits
  • Receive insights about spending behavior

The App is available for iOS, Android, and web platforms.

3. Eligibility

To use Mindspend, you must:

  • Be at least 13 years of age (or the minimum age of digital consent in your jurisdiction)
  • Have the legal capacity to enter into a binding agreement
  • Not be prohibited from using the App under applicable laws

If you are using the App on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. Account Registration

4.1 Account Creation

To access certain features, you must create an account by providing:

  • A valid email address

You are responsible for maintaining the confidentiality of your account credentials.

4.2 Account Security

You agree to:

  • Provide accurate and complete registration information
  • Keep your login credentials secure and confidential
  • Notify us immediately of any unauthorized account access
  • Accept responsibility for all activities under your account

4.3 Account Termination

We reserve the right to suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent or illegal activity
  • Abuse or misuse the App

5. Subscription and Payments

5.1 Free and Premium Tiers

Mindspend offers:

Free Tier:

  • Basic expense tracking
  • Limited to 1 active goal
  • Limited to 6 spending buckets
  • Today and weekly expense views

Premium Tier:

  • Unlimited goals
  • Unlimited buckets
  • Full expense history
  • Cloud sync across devices
  • Weekly Focus feature
  • Advanced insights

5.2 Subscription Terms

Premium subscriptions are processed through Apple App Store or Google Play Store:

  • Subscriptions automatically renew unless cancelled
  • You may cancel at any time through your app store account
  • Cancellation takes effect at the end of the current billing period
  • No refunds for partial billing periods

5.3 Price Changes

We reserve the right to change subscription prices. You will be notified of price changes before they take effect. Continued use after price changes constitutes acceptance.

6. User Content and Data

6.1 Your Data

You retain ownership of all financial data, goals, and other content you enter into the App ("User Content").

6.2 License to User Content

By using the App, you grant us a limited license to:

  • Store and process your User Content to provide the Service
  • Create anonymized, aggregated statistics for service improvement

6.3 Data Accuracy

You are solely responsible for the accuracy of data you enter. Mindspend does not verify the accuracy of financial information and should not be relied upon for tax, legal, or accounting purposes.

6.4 Data Backup

While we implement reasonable data protection measures, we recommend maintaining your own backups. We are not liable for data loss.

7. Acceptable Use

7.1 Permitted Use

You may use Mindspend only for:

  • Personal, non-commercial expense tracking
  • Setting and monitoring personal financial goals
  • Gaining insights into your spending habits

7.2 Prohibited Conduct

You agree NOT to:

  • Use the App for any illegal purpose
  • Attempt to reverse engineer, decompile, or disassemble the App
  • Interfere with or disrupt the App's functionality
  • Circumvent security features or access restrictions
  • Use automated systems to access the App
  • Impersonate others or misrepresent your identity
  • Upload malicious code or content
  • Resell, redistribute, or sublicense the App
  • Use the App in violation of any applicable laws

8. Intellectual Property

8.1 Ownership

Mindspend and all associated intellectual property, including:

  • Software and source code
  • User interface and design
  • Logos, trademarks, and branding
  • Documentation and content

are owned by SOLO VENTURES SRL and protected by copyright, trademark, and other laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use the App for personal purposes in accordance with these Terms.

8.3 Restrictions

You may not:

  • Copy, modify, or distribute the App
  • Remove any copyright or proprietary notices
  • Create derivative works based on the App

9. Disclaimers

9.1 No Financial Advice

Mindspend is a tracking and habit-building tool. The App does NOT provide:

  • Financial advice
  • Investment recommendations
  • Tax guidance
  • Legal counsel

Consult qualified professionals for financial, tax, or legal advice.

9.2 "As Is" Service

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING:

  • MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY OR RELIABILITY

9.3 Service Availability

We do not guarantee uninterrupted or error-free service. The App may be unavailable due to:

  • Scheduled maintenance
  • Technical issues
  • Circumstances beyond our control

10. Limitation of Liability

10.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, special, or consequential damages
  • Loss of profits, data, or goodwill
  • Service interruption or data loss
  • Unauthorized access to your data
  • Financial decisions made based on App data

10.2 Maximum Liability

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE 12 MONTHS PRECEDING THE CLAIM.

10.3 Essential Purpose

Some jurisdictions do not allow limitation of liability. In such cases, our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify and hold harmless SOLO VENTURES SRL and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

  • Your use of the App
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Your User Content

12. Third-Party Services

12.1 Third-Party Integration

Mindspend integrates with third-party services including:

  • Supabase (authentication and data sync)
  • RevenueCat (subscription management)
  • Apple App Store / Google Play Store (payments)

12.2 Third-Party Terms

Your use of third-party services is governed by their respective terms and privacy policies. We are not responsible for third-party services.

13. Modifications to Service

We reserve the right to:

  • Modify or discontinue features
  • Update the App's functionality
  • Change these Terms

Material changes will be communicated through the App or via email. Continued use after changes constitutes acceptance.

14. Termination

14.1 By You

You may terminate your account at any time by:

  • Deleting your account in Settings
  • Uninstalling the App

14.2 By Us

We may terminate or suspend your access:

  • For violation of these Terms
  • For extended inactivity
  • At our discretion with reasonable notice

14.3 Effect of Termination

Upon termination:

  • Your license to use the App ends
  • We may delete your data (subject to legal requirements)
  • Provisions that should survive termination will remain in effect

15. Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of Romania, without regard to conflict of law principles.

15.2 Informal Resolution

Before initiating any formal dispute resolution, you agree to first attempt to resolve the dispute informally by contacting us at legal@mindspend.app. We will attempt to resolve the dispute within 30 days from when we receive your written notice.

15.3 Binding Arbitration

If we cannot resolve a dispute informally, you and SOLO VENTURES SRL agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the App through binding arbitration, rather than in court, except that either party may bring claims in small claims court if eligible.

Arbitration Rules:

  • Arbitration will be administered by a mutually agreed-upon arbitration institution under its applicable rules
  • Arbitration will take place in Bucharest, Romania, unless otherwise agreed
  • The arbitration will be conducted in English
  • The arbitrator's decision will be final and binding
  • Judgment on the arbitration award may be entered in any court with jurisdiction

Class Action Waiver: You and SOLO VENTURES SRL agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Opt-Out: You may opt out of this arbitration agreement by sending written notice to legal@mindspend.app within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration.

Exceptions: This arbitration agreement does not preclude you from bringing issues to the attention of governmental agencies. Additionally, disputes concerning intellectual property rights may be resolved in court.

15.4 Jurisdiction

For any matters not subject to arbitration, or if the arbitration provision is found unenforceable, disputes shall be resolved exclusively in the courts of Romania.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

16.2 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

16.3 Waiver

Failure to enforce any right does not constitute a waiver of that right.

16.4 Assignment

You may not assign these Terms. We may assign our rights and obligations without restriction.

16.5 Force Majeure

We are not liable for failures due to circumstances beyond our reasonable control.

17. Contact Information

For questions about these Terms, contact us at:

Mindspend SOLO VENTURES SRL Email: legal@mindspend.app