Terms of Service

These Terms constitute a legally binding agreement between you and Safe Spend (operated from Dubai, UAE) governing your use of the web application and related services. These Terms are governed by the laws of the United Arab Emirates.

Safe Spend is a personal finance tracking application that allows UAE residents to:

• Manually track credit card balances and transactions.
• Monitor bank account balances.
• Manage invoices and payment due dates.
• Set budgets, spending limits, and financial goals.
• View reports and financial analytics.

The Service is a manual tracking tool. We do not connect to your bank accounts, process payments, or provide financial advice.

You must be at least 18 years old to use SafeSpend. By using the Service, you represent that you meet this requirement. The Service is intended primarily for residents of the United Arab Emirates.

• You must provide accurate and complete registration information.
• You are responsible for maintaining the security of your account credentials.
• You must notify us immediately of any unauthorised account access.
• Each account is for personal use only; sharing accounts is not permitted.
• You may not create multiple accounts to circumvent fair-use or abuse limits.

The SafeSpend web application is available without a subscription. There is no trial countdown, and an inactive or cancelled subscription does not lock your web account or remove your data.

• Core access: Budgeting, manual tracking, reports, and exports are available on the web without payment.
• Fair use: AI processing and other features with a direct third-party cost may have reasonable usage allowances or temporary abuse controls. Manual alternatives remain available where practical.
• Existing subscriptions: A Paddle, Apple App Store, or Google Play subscription created before or during this transition remains managed by that provider until cancelled. You can reach the relevant cancellation controls from the Access page. See our Refund Policy for details.
• Voluntary support: If SafeSpend adds optional contributions in the future, they will not be required to use the core web product and will be clearly identified before payment.

You agree not to:

• Use the Service for illegal purposes or in violation of UAE law.
• Attempt to gain unauthorised access to the Service or other users' accounts.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Use automated tools to scrape or extract data from the Service.
• Upload malicious content, viruses, or harmful code.
• Impersonate other users or misrepresent your identity.

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms. You retain ownership of all financial data you enter. We only process your data as necessary to provide the Service.

The Service, including its design, code, content, and branding, is owned by Safe Spend and protected by UAE and international intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

The Service is provided "as is" without warranties of any kind. We do not guarantee that the Service will be uninterrupted, error-free, or completely secure. Safe Spend does not provide financial, investment, tax, or legal advice.

To the maximum extent permitted by UAE law, Safe Spend shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount you paid us in the three months preceding the claim.

We may suspend or terminate your account if you breach these Terms. You may delete your account at any time from Settings. Upon termination, your data will be deleted per our Privacy Policy.

We may update these Terms periodically. We will provide at least 30 days notice via email before material changes take effect. Continued use of the Service after changes constitutes acceptance.

These Terms are governed by the laws of the United Arab Emirates. Any disputes shall be resolved in the courts of Dubai, UAE. Before filing a claim, you agree to contact us to seek informal resolution.

For questions about these Terms: info@safespend.ae · Dubai, United Arab Emirates.