Terms

Last updated: 28 September 2026

The service

SpendsTracker is a free app to keep track of your spending, budgets and savings goals, made by Daniel Nemchynov, an individual developer in Portugal. By using the app you accept these terms.

Read-only

The app only reads data. It never makes payments or transfers and can't change anything in your bank accounts.

Not financial advice

Amounts, automatic categories and AI suggestions are indicative and may contain errors or delays. They are not financial advice. Check important amounts with your bank.

Your account

You sign in with your Apple or Google account, and keeping that account secure is your responsibility. Use the app only with your own data and lawfully.

Availability

The app is provided free of charge and as is. It may change, be interrupted or be discontinued; whenever possible we'll tell you in advance, and you can export your data at any time.

Liability

To the extent permitted by law, we're not liable for losses resulting from decisions made based on the app. This doesn't limit your rights under consumer law.

Leaving

You can stop using the app and delete your account and all your data whenever you want, in More → Privacy & data.

Law and contact

Portuguese law applies. Questions: danyknem@gmail.com.