Terms of Use
Last updated: September 2026
Welcome to SpendMargin. By using this website or the SpendMargin app, you agree to the following Terms of Use. Please read them carefully.
General Information
SpendMargin is a personal finance tool designed to help you understand your spending and make better decisions. It provides estimates, calculations, and insights based on the information you enter.
SpendMargin does not provide financial, legal, tax, or investment advice.
App Availability
We aim to keep SpendMargin available and functioning at all times, but we cannot guarantee uninterrupted access. Features may change, improve, or be updated over time.
Intellectual Property
All content on this website and within the SpendMargin app — including text, design, branding, logos, and layout — is owned by SpendMargin and may not be copied, reproduced, or distributed without permission.
Your Responsibility
You are responsible for the accuracy of the information you enter into SpendMargin. SpendMargin’s calculations depend entirely on the data you provide.
You should always make financial decisions based on your own judgment and circumstances.
Privacy & Data
SpendMargin is built on a simple promise: your data stays on your device.
✅ No Ads
✅ No Accounts
✅ No Cloud Storage
✅ No Analytics
✅ No Data Collection
✅ All Data Stays On Your Device
✅ Built To Work Offline
✅ No Server Dependency
SpendMargin does not store, access, or transmit your personal financial information.
For more details, please read our Privacy Policy.
Acceptable Use
You agree not to:
misuse the app
attempt to reverse‑engineer the software
interfere with the website or app functionality
use SpendMargin for unlawful purposes
No Guarantees
SpendMargin provides estimates and insights for general informational purposes only. We do not guarantee that SpendMargin will:
prevent financial issues
predict future expenses perfectly
replace professional financial advice
SpendMargin is a tool — not a financial service.
External Links
SpendMargin may include links to external websites. We are not responsible for the content, accuracy, or policies of those sites.
Changes to These Terms
We may update these Terms of Use from time to time. Any changes will be posted on this page with an updated date.
Contact Us
If you have questions about these Terms of Use, please reach out through our Support page or the Contact Form.