Terms of use
SpendOS by Edgeless Solutions · Last updated 17 October 2026
By using SpendOS (the app and spendos.edgelesssolutions.com) you agree to these terms. If you don’t agree, please don’t use SpendOS.
The service
SpendOS helps you record and understand your personal spending, budgets, goals and shared costs. It’s a tracking tool — it doesn’t move money, connect to your bank, or give financial, tax or investment advice.
Your account
Keep your password safe and tell us if you think someone else is using your account. You’re responsible for what you enter. You must be at least 13 to use SpendOS (18 in places where that’s required for finance apps).
Your data
Your data is yours. We use it only to run SpendOS, as described in our privacy policy. You can export it, and delete your account at any time.
AI features
Receipt scanning and voice or text entry use AI to suggest details. Suggestions can be wrong — always review them before saving. Daily limits apply to keep the service free.
Split groups
Members of a group can see that group’s shared expenses and names. Only invite people you know, and don’t use SpendOS to harass anyone or share content that isn’t yours.
Fair use
Don’t try to break, overload, scrape or reverse-engineer SpendOS, or access other people’s data. We may suspend accounts that do.
No warranty
We work hard to keep SpendOS accurate and available, but it’s provided “as is”. Totals and conversions depend on what you enter and the rates you choose. To the extent the law allows, we aren’t liable for losses from using it.
Changes
We may update SpendOS and these terms. If a change is significant, we’ll tell you in the app before it takes effect.