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Terms of Service

Last updated: January 7, 2026

These Terms of Service (“Terms”) govern your use of Spentra(the “Service”). By accessing or using the Service, you agree to these Terms.

1. Who We Are

Spentra provides subscription tracking, reminders, and related features to help you manage recurring payments.

2. Eligibility

You must be at least 13 years old to use the Service. If you are using the Service on behalf of an organization, you confirm you have authority to bind that organization to these Terms.

3. Your Account

  • You are responsible for maintaining the security of your account.
  • You agree to provide accurate information and keep it updated.
  • You must not share access in a way that violates these Terms.

4. Plans, Billing & Renewals

Some features may require a paid plan. If you subscribe to a paid plan:

  • Billing occurs according to the plan shown at checkout.
  • Plans may renew automatically unless you cancel before renewal.
  • If we change pricing, we'll notify you before it affects your next renewal where required.

5. Acceptable Use

You agree not to:

  • Use the Service for illegal, harmful, or abusive purposes
  • Attempt to access, probe, or disrupt our systems or other users' data
  • Reverse engineer or copy the Service except where legally allowed
  • Upload malware, spam, or automate misuse of the Service
  • Bypass feature gating, access controls, or usage limits

6. AI Insights Disclaimer

Any AI-generated insights or recommendations are provided for convenience and informational purposes only. You remain responsible for verifying details (including billing dates and amounts) and making your own financial decisions.

7. Your Data

You retain ownership of the content and data you submit to the Service. You grant us a limited license to use it only to operate, maintain, and improve the Service.

8. Intellectual Property

We own the Service, including our branding, design, and underlying software. You receive a limited, non-exclusive, non-transferable, revocable license to use the Service according to these Terms.

9. Availability & Changes

We aim to keep the Service available, but we do not guarantee uninterrupted access. We may modify, suspend, or discontinue all or part of the Service at any time.

10. Termination

You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms or if required by law.

11. Disclaimers

The Service is provided “as is” and “as available”. To the maximum extent permitted by law, we disclaim all warranties, including fitness for a particular purpose and non-infringement.

12. Limitation of Liability

To the maximum extent permitted by law, Spentra will not be liable for indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill.

13. Governing Law

These Terms are governed by the laws of Australia, without regard to conflict of law rules.

14. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date and may notify you in-app.

15. Contact

If you have questions about these Terms, contact us at