By creating an account or otherwise using the SpendCaddie website and services ("SpendCaddie" or the "Service"), you agree to these Terms of Service ("Terms") which form a legally binding agreement between you and SpendCaddie. If you do not agree, you must not use the Service.
We may update these Terms from time to time by posting the revised version on our site with a new effective date. Your continued use after changes are posted constitutes acceptance of the changes.
SpendCaddie is available only to individuals who are residents of the United States and at least 18 years old (or the age of majority in your state of residence). By using the Service, you represent that you meet these eligibility requirements. The Service is intended for personal consumer use within the U.S. only; accounts from other jurisdictions or by minors are not permitted.
SpendCaddie provides an online platform for personal financial planning and debt management education. All information, recommendations, and projections provided are for informational and educational purposes only and are not individualized financial, legal, tax, or investment advice. SpendCaddie is not a bank, broker, investment adviser, or credit repair service, and does not provide any services that require professional licensure. You should consult a qualified professional for advice tailored to your personal financial situation.
SpendCaddie is a software-as-a-service (SaaS) web application that helps users plan credit card payments and manage debt using read-only access to their bank and credit card data. SpendCaddie is a purely advisory service: it provides insights, projections, alerts, and recommendations based on your financial data, but it does not move money or transmit funds on your behalf.
For debt-free users who pay their cards in full, the Service offers spending monitoring, payment scheduling guidance, and "sweep" recommendations (suggested transfers from a checking account to fully pay that month's card charges).
For users with credit card balances, the Service helps create a payoff plan (e.g. snowball or avalanche methods), tracks promotional 0% APR periods, provides payoff projections, and suggests how to allocate monthly payments across cards.
SpendCaddie connects to your financial accounts via Plaid to get current balances and transactions. We send notifications (e.g. email/SMS via our providers) if we detect issues like low account balance before a payment, upcoming due dates, or expiring promotional rates.
Based on your data, SpendCaddie may project future outcomes (like a debt-free date or interest saved) and recommend actions (e.g. how much to pay toward each card). These projections are estimates only.
You must create an account to use SpendCaddie. When registering, you agree to provide truthful, accurate information and to keep your account credentials secure. You are responsible for maintaining the confidentiality of your login information and for all activities under your account. Notify us immediately at support@spendcaddie.com if you suspect any unauthorized access to your account. We are not liable for any loss or damage arising from your failure to safeguard your account credentials.
By entering your payment information and subscribing, you authorize us (or our payment processor) to charge the monthly fee to your provided payment method on a recurring basis until you cancel.
You agree to use SpendCaddie only for lawful, personal purposes in accordance with these Terms.
You will not:
By providing your email and/or phone number, you consent to receive service-related communications from us. This includes emails, in-app messages, and SMS/text alerts for authentication, account updates, and important notices.
SpendCaddie relies on certain third-party services to operate effectively. By using SpendCaddie, you also agree to the relevant terms and conditions of these third-party providers:
Securely connects to your financial accounts. We do not see or store your bank login credentials.
PCI-DSS compliant payment processing. We do not store your full payment card details.
Secure cloud database with encryption in transit and at rest. SOC 2 compliant.
SMS and email delivery services for notifications and alerts.
SpendCaddie is provided on an "as is" and "as available" basis.
We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, error-free, or that any data or content is accurate or correct.
To the maximum extent permitted by law, SpendCaddie will not be liable for any indirect, incidental, special, consequential, or exemplary damages arising from your use of the Service.
Our total liability is limited to the greater of: (a) the total subscription fees you paid in the 12 months prior to the claim, or (b) $100 USD.
You agree to defend, indemnify, and hold harmless SpendCaddie and its affiliates from any claims, liabilities, damages, losses, and expenses arising from your use of the Service, breach of these Terms, or violation of any law or third-party rights.
By You: You may cancel your subscription or delete your account at any time through account settings.
By Us: We reserve the right to suspend or terminate your access if you violate these Terms, engage in fraudulent activity, fail to pay fees, or as required by law.
SpendCaddie may introduce automated financial features in the future (such as automated payments). We will obtain necessary regulatory licenses before offering such features and will require your explicit consent. The current Service operates in an advisory-only capacity with no money movement.
IMPORTANT: By using SpendCaddie, you agree that disputes will be resolved through binding arbitration, and you waive your right to a jury trial and class action lawsuits.
Any disputes will be resolved through individual arbitration administered by the American Arbitration Association (AAA). You may opt out within 30 days of accepting these Terms by sending written notice to our contact address.
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of laws principles. You consent to the exclusive jurisdiction of Delaware courts for any disputes not subject to arbitration.
If you have any questions about these Terms, please contact us:
SpendCaddie, Inc.
Email: support@spendcaddie.com
Mailing Address: 1234 Finance Blvd, Wilmington, DE 19801, USA
© 2025 SpendCaddie, Inc. All rights reserved.