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Terms of Service

Last updated: 2026-03-02

These Terms of Service (“Terms”) govern your use of the website and services operated by ispendtoomuch at https://ispendtoomuch.com (“Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Description of the Service

ispendtoomuch is an online spending analytics tool. It allows you to connect your email inbox (read-only access) so we can detect order confirmation emails from supported merchants, extract structured data (merchant name, amount, date), and present it in a dashboard. The Service does not connect to your bank accounts or credit cards.

2. Eligibility and account

You must be at least 18 years old and able to form a binding contract to use the Service. You are responsible for providing accurate information and keeping your account credentials secure. You may not use the Service in violation of any applicable law or these Terms.

3. Your obligations

  • You will use the Service only for lawful purposes and in accordance with our Acceptable Use Policy.
  • You will not attempt to gain unauthorized access to our systems or other users' accounts.
  • You will not use the Service to violate the privacy or rights of others.
  • When you connect your email, you represent that you have the right to grant us read-only access and that doing so does not violate any agreement you have with your email provider.

4. Paid plans and payments

Some parts of the Service may be offered for a fee (e.g. subscriptions). If you purchase a paid plan:

  • Fees are as stated at the time of purchase and may be billed in advance (e.g. monthly or annually).
  • Payment processing may be handled by third parties (e.g. Polar, Stripe). Their terms and privacy policies apply to the payment transaction.
  • Refunds are handled in accordance with our refund policy (see below). Unless otherwise stated at purchase, we do not offer refunds for partial periods or unused time.
  • We may change fees with reasonable notice; continued use after the change constitutes acceptance.

Refunds and cancellations

You may cancel a subscription at any time from your account or by contacting us. Cancellation stops future charges; it does not entitle you to a refund for the current billing period. We may, at our discretion, issue refunds in cases of technical failure or duplicate charges. Contact us via our contact form for refund requests.

5. Intellectual property

The Service, including its design, text, graphics, and software (excluding your data), is owned by ispendtoomuchor its licensors. You do not acquire any ownership rights by using the Service. You retain ownership of your data; you grant us a limited license to use, process, and display it solely to provide the Service to you.

6. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT OUR DETECTION OF ORDER EMAILS WILL BE COMPLETE OR ACCURATE.

7. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ispendtoomuch AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM (OR ONE HUNDRED US DOLLARS IF YOU HAVE NOT PAID US).

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability; in such jurisdictions, our liability will be limited to the greatest extent permitted by law.

8. Indemnity

You agree to indemnify and hold harmless ispendtoomuch and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

9. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice. You may stop using the Service at any time. Upon termination, your right to use the Service ceases. We may retain your data as described in our Privacy Policy.

10. Changes to the Terms

We may modify these Terms from time to time. We will post the updated Terms on this page and update the “Last updated” date. Material changes may be communicated by email or a notice in the Service. Continued use after the effective date of changes constitutes acceptance. If you do not agree, you must stop using the Service.

11. General

  • Entire agreement: These Terms, together with our Privacy Policy and Acceptable Use Policy, constitute the entire agreement between you and us regarding the Service.
  • Severability: If any provision is held invalid, the remaining provisions remain in effect.
  • Waiver: Our failure to enforce any right does not waive that right.
  • Governing law: These Terms are governed by the laws of the jurisdiction in which ispendtoomuch is established, without regard to conflict of law principles. Any disputes shall be resolved in the courts of that jurisdiction, unless otherwise required by mandatory law.

12. Contact

For questions about these Terms, contact us via our contact form or at:

ispendtoomuch
1st Floor, Plot, Plot 6 Main PWD Rd
Sector C
Islamabad, ICT 44000
Pakistan

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