Public offer

Brief structure of the offer

1. Subject of the offer and service status
2. Acceptance procedure
3. User rights and obligations
4. Rights and obligations of the service administration
5. Limitation of liability
6. Changing the terms and termination of use
7. Contacts and Applicable Law

1. Subject of the Offer

Smart Spend provides the user with access to a web application for tracking personal income and expenses, generating reports, and storing financial data in a local-first format.

• The core functionality is provided through the user's browser.
• The service is not a banking, investment, or brokerage platform.
• Metrics and reports are for informational purposes only and do not constitute financial advice.

2. Acceptance of the Offer

Acceptance is deemed to be the actual start of using the application: opening the service, creating records, importing/exporting the database, or enabling cloud synchronization.

3. User Rights and Obligations

• Provide accurate data and use the service for lawful purposes.
• Independently ensure the security of the device, browser, and exported database copies.
• Do not use the service to violate the rights of third parties, hack, or distribute malicious code.
• Comply with Google's rules and terms when using Google Drive.
• Provide a valid email address when registering an account, keep the password secret, and do not share access with third parties.

4. Rights and responsibilities of Smart Spend

• Maintain the application's operation and develop its functionality.
• Change the interface and technical implementation without prior individual notice.
• Restrict access if abuse or violations of the law are detected.
• Store on the server a copy of the database that the user sent from their account, and delete it together with the account upon the user's request in the application.

Smart Spend strives to maintain user data compatibility, but does not guarantee absolutely uninterrupted operation due to external factors (browser, network, third-party APIs).

5. Limitation of Liability

• The service is provided on an "as is" basis.
• Smart Spend is not liable for indirect damages, lost profits, or data loss caused by user actions.
• The user is solely responsible for backing up the local database and verifying data accuracy; the server copy does not replace the user's own backups.

6. Pricing and Commercial Terms

As of the publication date of this offer, the basic functionality of the service is available without a mandatory subscription. If paid features are launched, the pricing terms will be published separately and become part of the offer.

7. Changes to the Terms and Applicable Law

Smart Spend may update the text of the offer unilaterally. The new version takes effect from the date of publication on this page. The relations between the parties are governed by the laws of the Republic of Uzbekistan.

8. Contacts