Terms of Service

1. Definitions

"SpendCaddie," "we," "us," or "our" refers to Bobby Built Ventures, LLC, a Colorado limited liability company doing business as SpendCaddie.
"Service" refers to the SpendCaddie website, web application, mobile applications (if any), and all related services.
"User," "you," or "your" refers to any individual who accesses or uses the Service.
"Account" refers to the user account you create to access the Service.
"Content" refers to all text, data, graphics, and other materials displayed on or available through the Service.
"User Data" refers to financial and personal information you provide or that we obtain through third-party services on your behalf.

2. Acceptance of Terms

By creating an account, clicking "I agree," or otherwise using the Service, you agree to be bound by these Terms of Service ("Terms"). These Terms form a legally binding agreement between you and SpendCaddie. If you do not agree to these Terms, you must not use the Service.

These Terms incorporate by reference our Privacy Policy,Subscription & Billing Terms, andAcceptable Use Policy.

3. Eligibility

To use SpendCaddie, you must:

Be at least 18 years of age (or the age of majority in your jurisdiction)
Be a legal resident of the United States
Have a U.S. bank account (if connecting financial accounts)
Have the legal capacity to enter into a binding agreement

By using the Service, you represent and warrant that you meet all eligibility requirements. We may terminate accounts that do not meet these requirements.

4. Service Description

SpendCaddie is a credit card intelligence platform that helps users manage credit card payments and debt. The Service operates in three financial modes:

Maintenance Mode

For users who pay their credit cards in full each month. Features may include spending monitoring, payment sweep recommendations, and credit utilization tracking.

Debt Snowball Mode

For users paying down debt by targeting smallest balances first. Features may include payment allocation recommendations, payoff projections, and milestone tracking.

Debt Avalanche Mode

For users paying down debt by targeting highest APR balances first. Features may include interest savings calculations, payment optimization, and 0% APR promo tracking.

Feature Availability: Features are subject to availability and may change as we continue developing SpendCaddie. We reserve the right to add, modify, or remove features at any time.

5. Advisory-Only Disclaimer

IMPORTANT: READ CAREFULLY

SPENDCADDIE IS AN ADVISORY-ONLY, EDUCATIONAL PLATFORM. WE PROVIDE INFORMATION AND RECOMMENDATIONS, BUT WE DO NOT PROVIDE PERSONALIZED FINANCIAL ADVICE AND WE DO NOT EXECUTE ANY FINANCIAL TRANSACTIONS ON YOUR BEHALF.

SpendCaddie is NOT:

A financial advisor, investment advisor, or fiduciary
A credit counselor or credit counseling agency
A debt settlement or debt negotiation service
A credit repair organization
A money transmitter or payment processor
A lender, bank, or credit provider
A tax or accounting service

SpendCaddie does NOT:

Move money or execute transactions on your behalf
Provide personalized financial, legal, tax, or investment advice
Guarantee any specific financial outcomes or results
Store your bank login credentials (Plaid handles authentication)
Store full credit card or bank account numbers
Sell your personal information to third parties

YOU ARE SOLELY RESPONSIBLE FOR ALL FINANCIAL DECISIONS. All recommendations, projections, and calculations provided by SpendCaddie are estimates only. Actual results will vary. Always verify information independently and consult qualified professionals before making financial decisions.

6. Feature-Specific Disclaimers

The following disclaimers apply to specific features of the Service. All features are subject to availability and may change as we continue developing SpendCaddie.

6.1 Sweep Recommendations

Payment sweep recommendations are estimates only based on your current account balances and spending patterns. SpendCaddie does not execute sweeps or transfer money. You must manually initiate any transfers through your bank. Actual amounts may vary due to pending transactions, timing differences, or changes in your spending. Always verify your available balance before making payments.

6.2 Debt Payoff Projections

Debt payoff dates, interest savings, and payment schedules are projections only. They assume consistent payments, no new charges, and unchanged interest rates. Actual results will vary based on your payment behavior, additional spending, APR changes, fees, and other factors. These projections are not guarantees and should not be relied upon as financial advice.

6.3 Promotional Period Tracking (0% APR)

SpendCaddie may track promotional 0% APR periods based on information you provide or that we detect from your accounts. However, we cannot guarantee the accuracy of promotional period end dates or terms. Always verify promotional terms directly with your credit card issuer. Failure to pay off promotional balances before the end date may result in significant retroactive interest charges.

6.4 Credit Utilization Suggestions

Credit utilization information and suggestions are for educational purposes only. SpendCaddie does not have access to your credit reports or credit scores. The impact of credit utilization on your credit score depends on many factors we cannot assess. We do not guarantee any improvement to your credit score.

6.5 Cash Flow Predictions

Cash flow predictions are estimates based on historical patterns and are not guarantees of future account balances. Predictions may not account for unexpected expenses, income changes, or transaction timing. Do not rely solely on cash flow predictions for payment decisions.

6.6 Subscription Detection

SpendCaddie may attempt to identify recurring subscriptions from your transaction history. This detection is not guaranteed to be complete or accurate. Some subscriptions may not be detected, and some transactions may be incorrectly identified as subscriptions. Always review your statements directly.

6.7 Household Sharing

If you share your SpendCaddie account or data with household members, you are responsible for their use of the Service and any actions taken based on shared information. SpendCaddie is not responsible for disputes between household members or unauthorized access by invited users.

6.8 Gamification & Milestones

Badges, streaks, milestones, and other gamification features are for motivational purposes only. Achievement of milestones within SpendCaddie does not constitute financial success or guarantee any particular outcome. Progress displayed is based on data available to us and may not reflect your complete financial picture.

7. Account Security

You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.

Use a strong, unique password for your SpendCaddie account
Do not share your login credentials with others
Notify us immediately at security@spendcaddie.com if you suspect unauthorized access
Keep your contact information up to date

We are not liable for any loss or damage arising from unauthorized use of your account due to your failure to safeguard your credentials.

8. Subscription & Billing

Complete billing terms are available in our Subscription & Billing Terms. Key terms are summarized below.

30-Day Free Trial

✓ Full access to paid features for 30 days
✓ Payment method required upfront
✓ Not charged until trial ends
✓ Email notification 3 days before trial ends
✓ Cancel anytime before trial ends to avoid charges

Paid Subscription

✓ $8/month (monthly) or $79/year (annual)
✓ Billed in advance
✓ Auto-renews unless cancelled
✓ 30-day advance notice before each renewal
✓ Cancel anytime, access continues until period ends

Refund Policy

All charges are non-refundable. You may cancel at any time to prevent future charges, but you will not receive a refund for the current billing period. Your access continues until the end of the paid period. The only exception: if we discontinue the Service, you may receive a pro-rated refund.

By providing payment information and subscribing, you authorize us (via Stripe) to charge your payment method on a recurring basis until you cancel.

9. Third-Party Services

SpendCaddie integrates with third-party services. By using SpendCaddie, you also agree to the terms of these providers:

Plaid (Financial Data)

Securely connects to your financial accounts for read-only data access. We do not see or store your bank login credentials.

Stripe (Payments)

PCI-DSS compliant payment processing. We do not store your full payment card numbers.

Supabase (Database)

Secure cloud database with encryption in transit and at rest.

Vercel (Hosting)

Application hosting and content delivery.

Resend (Email)

Email delivery for notifications and alerts.

10. Intellectual Property

All content, features, and functionality of the Service—including but not limited to text, graphics, logos, icons, images, software, and the underlying code—are owned by SpendCaddie or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

11. User Content & Data Rights

You retain ownership of your personal data. By using the Service, you grant us a limited license to use, process, and display your data solely to provide and improve the Service.

For details on how we collect, use, and protect your data, please see our Privacy Policy.

12. Acceptable Use

You agree to use SpendCaddie only for lawful, personal purposes. Complete acceptable use guidelines are in ourAcceptable Use Policy.

Prohibited Activities

Using the Service for any illegal or fraudulent activity
Attempting to gain unauthorized access to systems or data
Uploading malicious code, viruses, or malware
Reverse-engineering or decompiling the Service
Using the Service to harm, harass, or abuse others
Misrepresenting your identity or impersonating others

13. Termination & Suspension

Termination by You

You may cancel your subscription or delete your account at any time through your account settings. Upon cancellation, your access continues until the end of your current billing period.

Termination by Us

We may suspend or terminate your account if you: violate these Terms, engage in fraudulent activity, fail to pay fees after multiple attempts, or as required by law. We will attempt to notify you before termination when practicable.

Effect of Termination

Upon termination, your right to use the Service ends. We may delete your account data in accordance with our Privacy Policy. Provisions that by their nature should survive (including disclaimers, limitations of liability, and arbitration) will survive termination.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT
ACCURACY OR COMPLETENESS OF DATA
UNINTERRUPTED OR ERROR-FREE SERVICE

We do not warrant that the Service will meet your requirements or that any errors will be corrected.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPENDCADDIE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

LOST PROFITS OR REVENUE
LOST DATA
CREDIT CARD FEES, INTEREST, OR LATE FEES
CHANGES TO YOUR CREDIT SCORE
MISSED PAYMENT DEADLINES OR PROMOTIONAL PERIODS
FAILURES OF THIRD-PARTY SERVICES (PLAID, STRIPE, ETC.)
CALCULATION OR PROJECTION ERRORS
MISSED OR DELAYED ALERTS OR NOTIFICATIONS

OUR TOTAL LIABILITY IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

16. Indemnification

You agree to defend, indemnify, and hold harmless SpendCaddie, Bobby Built Ventures, LLC, and our officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any content you submit to the Service.

17. Dispute Resolution & Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

BY USING SPENDCADDIE, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTION LAWSUITS.

17.1 Informal Resolution First

Before filing any formal dispute, you agree to contact us at legal@spendcaddie.com to attempt informal resolution. We will try to resolve the dispute within 30 days.

17.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising from or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules then in effect. The arbitration will be conducted in English.

17.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.

17.4 Jury Trial Waiver

YOU WAIVE ANY RIGHT TO A JURY TRIAL.

17.5 Small Claims Court Exception

Notwithstanding the above, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limit (typically up to $10,000, depending on jurisdiction).

17.6 Arbitration Fees

Payment of filing, administration, and arbitrator fees will be governed by AAA's Consumer Arbitration Rules. SpendCaddie will pay all fees required under AAA rules.

17.7 30-Day Opt-Out Right

You may opt out of this arbitration agreement within 30 days of creating your account by sending written notice to:

Email: legal@spendcaddie.com
Subject Line: "Arbitration Opt-Out"

Your notice must include: your full name, email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you may pursue claims in court, but the class action waiver still applies.

17.8 Governing Law

These Terms and any disputes shall be governed by the laws of the State of Colorado, USA, without regard to conflict of laws principles. For disputes not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Denver, Colorado.

18. Changes to Terms

We may update these Terms from time to time. For material changes, we will provide at least 30 days' notice via email or prominent notice within the Service before the changes take effect.

Your continued use of the Service after the effective date of any changes constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and cancel your account.

19. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and SpendCaddie.
Severability: If any provision is found unenforceable, the remaining provisions remain in full force and effect.
No Waiver: Our failure to enforce any right or provision is not a waiver of that right or provision.
Assignment: You may not assign or transfer these Terms without our consent. We may assign these Terms without restriction.
Force Majeure: We are not liable for delays or failures due to circumstances beyond our reasonable control.
Headings: Section headings are for convenience only and have no legal effect.

20. Contact Information

If you have questions about these Terms, please contact us:

Bobby Built Ventures, LLC
DBA SpendCaddie

Legal: legal@spendcaddie.com

Support: support@spendcaddie.com

Privacy: privacy@spendcaddie.com

Security: security@spendcaddie.com

Mailing Address:
1500 N Grant St, Ste R
Denver, CO 80203, USA

Version History

Version	Date	Changes
1.0	January 11, 2026	Initial release

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