Terms of Service

These Terms of Service (the "Terms") are a legal agreement between you and Bobby Built Ventures, LLC d/b/a SpendCaddie ("SpendCaddie," "we," "us," or "our"). These Terms govern your access to and use of the SpendCaddie website, web application, iOS application, APIs, account features, content, communications, subscriptions, and related services (collectively, the "Service").

By creating an account, accessing the Service, clicking to accept these Terms, starting a trial, purchasing a subscription, or using any SpendCaddie feature, you agree to these Terms. If you do not agree, do not use the Service.

1. Policy documents incorporated into these Terms

These Terms incorporate by reference the following policies and supplemental terms, as updated from time to time:

• Privacy Policy;
• Cookie Policy;
• E-Sign Consent;
• Subscription, Billing & Refund Terms;
• Consent & Communication Preferences;
• Child Safety & Age Eligibility Policy;
• Data Retention Notice;
• State Privacy Notice;
• Acceptable Use Policy;
• Support Policy;
• Mobile App EULA, for users of the mobile application; and
• any other written terms that we present to you and that expressly state they apply to the Service.

If a supplemental policy conflicts with these Terms, these Terms control for commercial, payment, cancellation, arbitration, liability, and account-termination issues unless the supplemental policy expressly states otherwise.

A Data Processing Addendum or other business data-processing agreement does not apply to individual consumer users unless it is separately accepted or executed by an authorized business customer. Individual consumer users are not treated as controllers of SpendCaddie's consumer app processing.

2. Who may use SpendCaddie

SpendCaddie is available only to users who:

• are at least 18 years old;
• are residents of the United States;
• can form a binding contract under applicable law;
• use the Service only for personal, household, or individual consumer purposes; and
• are not prohibited from using the Service under U.S. law or any applicable sanctions, export-control, or restricted-party rules.

SpendCaddie is not intended for children, minors, non-U.S. residents, business-to-business use, enterprise use, professional credit counseling use, creditor use, debt-collection use, or use on behalf of another person without authorization.

You are responsible for ensuring that your account information is accurate and current. You must not create an account using false information, another person's identity, or an email address or financial account you are not authorized to use.

3. What SpendCaddie is

SpendCaddie is a debt planning and debt coaching app. The Service helps users understand debt inventory, payoff order, payment timing, strategy tradeoffs, promotional-period and deferred-interest risk, progress, and account alerts. SpendCaddie is designed to be clearer and more useful than a spreadsheet for consumer debt planning.

SpendCaddie may provide deterministic calculations, debt payoff projections, plan comparisons, payment logging, linked-account data displays, reminders, alerts, exports, household features, and AI-generated explanations of deterministic outputs. The availability of features may vary by platform, subscription tier, account status, user settings, device, location within the United States, or launch phase.

4. What SpendCaddie is not

SpendCaddie is advisory-only. SpendCaddie does not provide regulated financial services or professional advice. Without limiting the above, SpendCaddie is not:

• a bank;
• a lender;
• a broker;
• a money transmitter;
• a bill-payment service;
• a payment processor for creditor payments;
• a debt settlement company;
• a debt management services provider;
• a credit repair organization;
• a credit counseling agency;
• an investment adviser;
• an insurance adviser;
• a tax adviser;
• a law firm; or
• a substitute for professional financial, legal, tax, accounting, credit, bankruptcy, or investment advice.

SpendCaddie does not move money for you, pay creditors, negotiate with creditors, settle debts, repair credit, guarantee credit score changes, guarantee interest savings, guarantee payoff dates, guarantee avoidance of fees, guarantee approval for credit products, or recommend loans, credit products, refinancing, partner offers, or other financial products.

You are solely responsible for making actual payments, confirming due dates, maintaining autopay settings, avoiding late fees, preventing overdrafts, reviewing creditor statements, verifying linked-account data, and deciding whether a plan, strategy, alert, or explanation is appropriate for your situation.

5. Account registration and security

You may need to create an account to use the Service. You agree to provide accurate information and keep it updated.

You are responsible for maintaining the confidentiality of your login credentials, devices, authentication methods, and account access. If you believe your account has been compromised, contact support@spendcaddie.com promptly.

SpendCaddie may offer or require supported multi-factor authentication, device authentication, biometric unlock, PINs, or other account-security features. You are responsible for maintaining the security of any device used to access the Service.

We may suspend, restrict, or terminate your account if we believe your account has been compromised, used unlawfully, used in violation of these Terms, or used in a way that creates risk to you, SpendCaddie, other users, financial institutions, service providers, or the Service.

6. Debt plans, calculations, projections, alerts, and user responsibility

SpendCaddie's calculators and planning tools rely on information available to the Service, including information you enter, information received through Plaid, and information derived from past user actions. Calculations and projections may be affected by missing data, delayed data, inaccurate APRs, changed balances, promotional APR terms, creditor rules, payment timing, compounding rules, fees, transaction posting delays, and manual-entry errors.

You agree that:

• payoff projections are estimates, not guarantees;
• minimum payments, APRs, balances, due dates, and promotional terms must be verified with your creditor;
• SpendCaddie alerts are supplemental and may be delayed, incomplete, inaccurate, or unavailable;
• actual creditor statements, loan documents, account agreements, and institution records control over SpendCaddie displays;
• you remain responsible for making timely payments; and
• you should review all plan recommendations before acting on them.

SpendCaddie may allow you to log payments manually, confirm detected linked transactions, select strategies, exclude debts from acceleration, choose custom payoff orders, or accept optional smart recommendations. Your actions in the Service do not cause money to move unless you separately initiate payment through your creditor, bank, or another third-party service outside SpendCaddie.

7. Linked financial accounts and Plaid

SpendCaddie uses Plaid to help users connect financial accounts on a read-only basis. When you connect an account, you authorize Plaid and SpendCaddie to access and process authorized account information as needed to provide the Service.

SpendCaddie does not receive or store your bank login credentials. Plaid handles authentication directly with your financial institution. SpendCaddie may receive and store authorized account, balance, transaction, liability, credit card, institution, and metadata fields, including account names, masks or last digits, balances, available credit, transactions, payment due dates, credit limits, APR information where available, and other data made available by Plaid and your financial institution.

SpendCaddie stores Plaid access tokens in encrypted form. Tokens are used to retrieve authorized data, refresh linked account information, and maintain the connection.

You may disconnect linked accounts where the Service provides that functionality. When you disconnect a linked account or delete your SpendCaddie account, SpendCaddie will attempt to remove the Plaid connection and delete or deactivate local connection records. Local deletion may proceed even if a provider-side removal request fails or is delayed. Plaid, financial institutions, payment providers, hosting providers, and other third parties may retain records according to their own legal obligations, policies, backup practices, and terms.

Linked-account features may be available only on paid plans. Free users may be limited to manual debt entry and manual planning features.

8. AI explanation features

SpendCaddie may offer AI-powered explanation features, currently using Anthropic, to explain deterministic outputs generated by SpendCaddie's calculators and planning logic.

AI features may receive structured debt-plan context, such as balances, APRs, minimum payments, payoff summaries, promotional-period risk, account or debt names, account masks, alert context, monthly summaries, and your question. SpendCaddie may store or cache AI outputs, usage metadata, and related records to operate, secure, monitor, and improve the feature.

AI does not calculate canonical balances, interest, payoff order, payment amounts, payoff dates, or strategy. AI outputs do not change your saved plan unless you separately take an action in the Service. AI-generated text may be inaccurate, incomplete, delayed, or unsuitable for your circumstances. You must review AI explanations before relying on them.

AI features are not professional financial, legal, tax, accounting, investment, insurance, bankruptcy, credit repair, debt settlement, or lending advice. Do not use AI outputs as the sole basis for a financial decision.

AI features may be Pro-only, usage-limited, temporarily unavailable, modified, or discontinued.

9. Subscriptions, trials, billing, cancellation, and refunds

SpendCaddie may offer free and paid plans. Current launch pricing is described in the Subscription, Billing & Refund Terms. Pricing, features, trials, and offers may vary by platform and may change as described in those terms.

Web subscriptions are processed by Stripe. iOS subscriptions are processed by Apple through Apple In-App Purchase, and SpendCaddie uses RevenueCat to manage subscription entitlement status. SpendCaddie does not store full payment card numbers.

Paid subscriptions automatically renew unless canceled before renewal through the applicable provider flow. Web subscriptions may be canceled through the SpendCaddie billing portal or another Stripe-supported cancellation flow made available in the Service. iOS subscriptions must be canceled through Apple subscription settings. Apple controls iOS subscription billing, cancellation, refunds, and renewal handling according to Apple's terms.

Deleting your SpendCaddie account does not automatically cancel any active subscription. If you delete your account without canceling, Stripe, Apple, RevenueCat, or another payment provider may continue billing until you cancel through the applicable provider. You are responsible for canceling active subscriptions before account deletion if you do not want future charges.

Refunds are not guaranteed. Refund handling depends on platform, provider rules, applicable law, account status, and the circumstances of the charge. Web refund requests may be reviewed by SpendCaddie or processed through Stripe where applicable. iOS refund requests are handled by Apple.

10. Communications and electronic records

By using SpendCaddie, you agree to receive electronic communications as described in our E-Sign Consent and Consent & Communication Preferences. These may include account notices, legal notices, billing notices, security notices, privacy notices, service updates, support communications, and transactional emails.

SpendCaddie does not currently send SMS/text-message alerts, marketing texts, or SMS-based MFA. If we introduce SMS features in the future, we will update applicable policies and provide legally required consent and opt-out instructions before enabling them.

You are responsible for keeping your email address and other account contact information current.

11. Privacy and data protection

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information. By using the Service, you acknowledge our Privacy Policy and related notices.

You agree not to submit another person's personal information or financial-account information unless you have authority to do so and your use complies with these Terms, our Acceptable Use Policy, and applicable law.

12. User content and feedback

You may provide information, notes, debt details, goals, support messages, feedback, or other content through the Service ("User Content"). You retain ownership of your User Content, but you grant SpendCaddie a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and use User Content as reasonably necessary to operate, secure, support, improve, and provide the Service, comply with law, enforce these Terms, and exercise our legal rights.

If you provide ideas, suggestions, comments, or feedback, you grant SpendCaddie the right to use them without restriction, attribution, or compensation, unless prohibited by law.

You represent that you have the rights necessary to provide User Content and that your User Content does not violate law, third-party rights, or these Terms.

13. Acceptable use

You must comply with the Acceptable Use Policy. Without limiting that policy, you may not:

• access or use another person's account or financial data without authorization;
• use SpendCaddie to commit fraud, identity theft, unauthorized financial activity, or unlawful activity;
• attempt to bypass security controls, rate limits, billing gates, plan limits, or entitlement checks;
• attempt to reverse engineer, scrape, exfiltrate, disrupt, overload, or compromise the Service;
• submit malicious code or harmful content;
• use the Service to provide debt settlement, credit repair, lending, legal, tax, or financial advice to third parties without appropriate authorization and compliance;
• misrepresent SpendCaddie as moving money, paying bills, negotiating debts, settling debts, repairing credit, or guaranteeing outcomes; or
• use the Service in violation of applicable law or third-party terms.

14. Third-party services

The Service depends on third-party services, including financial-data providers, payment processors, app stores, hosting providers, databases, email providers, AI providers, analytics providers, and push-notification providers.

Third-party services are not controlled by SpendCaddie. Their services may be unavailable, delayed, inaccurate, changed, suspended, or discontinued. Your use of third-party services may be governed by their own terms and privacy policies. SpendCaddie is not responsible for third-party service failures, data delays, provider decisions, institution data errors, App Store decisions, Plaid connection limitations, Stripe/Apple/RevenueCat billing decisions, or other third-party acts or omissions, except to the extent required by applicable law.

15. Mobile app terms

If you use the SpendCaddie mobile application, the Mobile App EULA applies in addition to these Terms. The mobile app may use device permissions, local storage, push notifications, biometric/PIN unlock, photo library access for profile images, and Apple In-App Purchase features as described in the Mobile App EULA and Privacy Policy.

16. Changes to the Service

We may change, suspend, restrict, or discontinue any feature, content, plan, integration, platform, or part of the Service at any time. We may make changes for security, legal, operational, pricing, product, vendor, or technical reasons.

We will try to provide notice of material changes when reasonable, but we may make changes without advance notice where needed for security, legal compliance, abuse prevention, third-party provider changes, or urgent operational reasons.

17. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide notice by posting the updated Terms, updating the effective date, sending email, displaying in-app notice, or another reasonable method.

Your continued use of the Service after updated Terms become effective means you accept the updated Terms. If you do not agree to updated Terms, you must stop using the Service and cancel any active subscription through the applicable provider.

18. Ownership and intellectual property

SpendCaddie and its licensors own the Service, including software, interfaces, designs, text, graphics, logos, content, documentation, trade names, trademarks, service marks, and all related intellectual property, except User Content and third-party materials.

Subject to these Terms, SpendCaddie grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your own personal, household, consumer debt planning purposes.

You may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, decompile, disassemble, create derivative works from, or exploit the Service except as expressly permitted by these Terms or applicable law.

19. Copyright complaints

If you believe content on the Service infringes your copyright, please follow our DMCA Policy. SpendCaddie may remove content and terminate repeat infringers where appropriate.

20. Account suspension and termination

You may stop using the Service at any time. You may request account deletion through account settings or by contacting privacy@spendcaddie.com, subject to verification and exceptions described in our Privacy Policy and Data Retention Notice.

We may suspend, restrict, or terminate your account or access to the Service if we believe:

• you violated these Terms or our policies;
• your account is compromised;
• your use creates risk or liability;
• we must do so to comply with law, provider requirements, or security obligations;
• your subscription or entitlement is invalid, canceled, expired, or unpaid; or
• continued access would harm the Service, other users, providers, or SpendCaddie.

Termination does not automatically cancel subscriptions. You must cancel active subscriptions through the applicable billing provider. Sections that by their nature should survive termination will survive, including ownership, user responsibility, disclaimers, limitation of liability, dispute resolution, governing law, and payment obligations accrued before termination.

21. Disclaimers

To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available," without warranties of any kind, whether express, implied, statutory, or otherwise. SpendCaddie disclaims all warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, reliability, security, completeness, and error-free operation.

SpendCaddie does not warrant that:

• the Service will be uninterrupted, secure, accurate, available, or error-free;
• financial data will be current, complete, or correct;
• calculations, projections, AI explanations, or alerts will be accurate or suitable;
• you will avoid fees, interest, overdrafts, missed payments, delinquency, default, or credit-score impact;
• you will save money, reduce debt, or pay off debt by a specific date;
• third-party integrations will work continuously; or
• defects will be corrected within a specific timeframe.

Some jurisdictions do not allow certain warranty disclaimers, so some disclaimers may not apply to you.

22. Limitation of liability

To the maximum extent permitted by applicable law, SpendCaddie and its owners, officers, employees, contractors, affiliates, agents, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages, including lost profits, lost revenue, lost savings, lost data, loss of goodwill, substitute services, credit-score impact, late fees, overdrafts, interest charges, creditor actions, or financial losses arising from your use of or inability to use the Service.

To the maximum extent permitted by applicable law, SpendCaddie's total liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of: (a) the amount you paid to SpendCaddie for the Service in the twelve months before the event giving rise to the claim; or (b) $100.

These limitations apply regardless of the legal theory, whether based on contract, tort, negligence, strict liability, warranty, statute, or otherwise, and even if SpendCaddie has been advised of the possibility of damages.

Nothing in these Terms limits liability that cannot be limited under applicable law.

23. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless SpendCaddie and its owners, officers, employees, contractors, affiliates, agents, licensors, and service providers from claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising from or relating to:

• your violation of these Terms or our policies;
• your User Content;
• your misuse of the Service;
• your unauthorized use of another person's data or account;
• your violation of law or third-party rights; or
• your financial decisions, creditor payments, or failure to make payments.

This section does not require you to indemnify SpendCaddie for claims caused solely by SpendCaddie's gross negligence, willful misconduct, or violations of law where indemnification is prohibited.

24. Dispute resolution, arbitration, and class-action waiver

Please read this section carefully. It affects your rights.

Before filing a claim, you and SpendCaddie agree to try to resolve disputes informally. A party seeking to raise a dispute must send written notice describing the dispute, requested relief, and contact information. Notices to SpendCaddie must be sent to support@spendcaddie.com and, if legal notice is required, to the mailing address listed below. The parties will try to resolve the dispute for at least 30 days after notice is received.

Except for claims that may be brought in small claims court, claims for injunctive relief involving intellectual property or unauthorized access, or claims that cannot be arbitrated under applicable law, any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, unless another arbitration provider or rules are required by law.

You and SpendCaddie waive the right to a jury trial and agree that arbitration will occur on an individual basis only. You and SpendCaddie may not bring claims as a class action, collective action, representative action, private attorney general action, or other multi-party proceeding, except where this waiver is not enforceable under applicable law.

You may opt out of arbitration by sending an email to support@spendcaddie.com within 30 days after first accepting these Terms. Your opt-out email must include your name, account email address, and a clear statement that you opt out of arbitration under the SpendCaddie Terms of Service. Opting out of arbitration does not opt you out of any enforceable class-action waiver unless applicable law requires otherwise.

If any part of this arbitration section is found unenforceable, the rest will remain in effect to the maximum extent permitted by law, unless the unenforceable part is essential to the agreed arbitration structure.

25. Governing law and venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules, except to the extent federal law or non-waivable consumer protection laws require otherwise.

For disputes not subject to arbitration, you and SpendCaddie consent to the personal jurisdiction and venue of state and federal courts located in Denver, Colorado, unless applicable law requires a different venue.

26. Miscellaneous

These Terms, together with incorporated policies, are the entire agreement between you and SpendCaddie regarding the Service. They supersede prior or contemporaneous agreements regarding the Service.

If any provision is unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or operation of law.

Headings are for convenience only. The word "including" means "including without limitation." No third party is a beneficiary of these Terms except as expressly stated, including Apple and its subsidiaries as third-party beneficiaries of the Mobile App EULA where applicable.

27. Contact

Bobby Built Ventures, LLC d/b/a SpendCaddie
1500 N Grant St, Ste R
Denver, CO 80203, USA

General Support: support@spendcaddie.com
Privacy Inquiries: privacy@spendcaddie.com