Last Updated: December 21, 2025
Welcome to SmartSpender, a personal finance application operated by ACL Solutions LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the SmartSpender web application, mobile application, and related services (collectively, the "Service"). By accessing or using SmartSpender, you agree to be bound by these Terms.
SMARTSPENDER IS NOT A FINANCIAL ADVISOR. The Service provides informational tools and AI-generated insights for educational and personal use only.
You should consult with qualified financial, tax, and legal professionals before making any financial decisions.
By accessing or using SmartSpender, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms. If you do not agree to these Terms, you may not use the Service.
SmartSpender is a personal finance management tool that provides:
To use certain features of SmartSpender, you may need to create an account. When you create an account, you agree to:
When you upload financial data to SmartSpender:
We will handle your financial data in accordance with our Privacy Policy.
SmartSpender uses artificial intelligence to analyze your financial data. You acknowledge that:
You agree not to use SmartSpender to:
SmartSpender relies on data you provide and third-party services. We do not guarantee the accuracy of imported transaction data, the correctness of automatic categorization, the accuracy of budget calculations or projections, or the availability of third-party integrations. You are responsible for reviewing and verifying all financial information.
All content, features, and functionality of SmartSpender are the exclusive property of ACL Solutions LLC or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our written permission.
SmartSpender integrates with third-party services including Amazon Web Services, authentication providers, and AI services. We are not responsible for the availability, accuracy, or practices of these third-party services.
We strive to maintain high availability but do not guarantee uninterrupted access. The Service may be unavailable due to scheduled maintenance, system updates, technical issues, or circumstances beyond our control.
We may terminate or suspend your access immediately, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease. You may request deletion of your data in accordance with our Privacy Policy.
SMARTSPENDER IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ACL SOLUTIONS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING:
You agree to defend, indemnify, and hold harmless ACL Solutions LLC from any claims arising out of your access to or use of the Service, your financial data, your violation of these Terms, or your violation of any third-party rights.
These Terms shall be governed by the laws of the State of Wyoming, United States, without regard to conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Wyoming.
We reserve the right to modify these Terms at any time. If we make material changes, we will provide notice through the Service or by other means. Your continued use of SmartSpender after any changes constitutes acceptance of the new Terms.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and ACL Solutions LLC regarding your use of SmartSpender.
If you have questions about these Terms, please contact us at: