The agreement between you and Spenlyx.

Spenlyx is published from Australia and can be reached at support@spenlyx.app. In these terms, “we” and “us” mean Spenlyx, and “you” means the person using the app. By installing or using Spenlyx you accept these terms. If you do not accept them, please delete the app.

These terms cover both halves of Spenlyx: the app you install, and spenlyx.app, including these pages and anything else published there. Where a clause applies to only one of them, it says so.

Spenlyx is for adults managing their own money. You need to be at least 18 to agree to these terms and to use the app, and by using it you are telling us that you are. There is no account and nothing to sign, so nothing checks this — it rests on you.

Spenlyx takes a bank statement PDF that you already have — the one your banking app already gives you — and reads it on your device. It extracts a date, an amount and a readable name for each line, suggests a category, and shows you the result so you can correct it before anything is saved. It then produces totals and charts from the rows you saved. You can also add a transaction by hand at any time, for anything a statement never recorded.

Spenlyx does not connect to your bank. It has no access to your accounts, cannot move money, and cannot see anything you do not hand it as a file.

Spenlyx is free. There is no subscription, no paid tier, no advertising and no in-app purchase. You do not create an account.

We give you a personal, non-exclusive, non-transferable licence to install and use Spenlyx on devices you control, for your own purposes, for as long as these terms are in force. You may not sell, rent or redistribute the app, take it apart to extract or repackage the reader, remove our notices, or attempt to work around any limit built into it. Nothing here stops you from doing anything the law expressly permits regardless of contract.

Your statements, transactions, categories and history are yours. They are stored on your device and we do not receive them, hold them, or claim any right to them. We cannot retrieve them for you, because we never had them.

You are responsible for keeping your device secure. This version has no export and no copy on a server, so if the phone is lost or wiped the records go with it. The Privacy statement sets out what does leave your device.

Reading a statement is interpretation, not arithmetic. The reader can misread an amount, split or merge a line, mistake a date format, or file something under the wrong category. Statements from some banks are laid out in ways it handles poorly. This is why Spenlyx shows you every row before saving, marks what it was unsure about, and keeps the original statement line visible underneath.

Treat what Spenlyx produces as a draft you have checked, not as a record of account. Your bank's own statement is the authority. Do not rely on Spenlyx alone for a tax return, a loan application, a business record, a legal filing or anything else where being wrong has consequences.

Spenlyx shows you what your own statements say. It does not give financial, tax, accounting or legal advice, does not make recommendations, and is not a licensed financial service. Anything you decide after looking at your spending is your decision. For advice about your situation, speak to someone qualified to give it.

Use Spenlyx only with statements you are entitled to read. Do not use it to process someone else's financial records without their permission, to break any law, or to interfere with the app, its update service or anyone else's use of it.

The app, the reader, the name Spenlyx, the logo and the design are ours or our licensors'. Your licence to use the app does not transfer any of that to you. Third-party components included in the app remain subject to their own licences.

We may change, add to or remove features, and we may release an improved reader that reads statements differently from the one you have now. We may also stop publishing Spenlyx. If we do, the copy on your device will keep working as long as your operating system supports it, and your data stays where it has always been — on your phone. We will give reasonable notice on this site where we can.

Spenlyx is provided as it is. We do not promise that it is free of faults, that it will read every statement correctly, that it will always be available, or that it will suit your particular purpose. To the extent the law allows, we exclude all other warranties and are not liable for indirect or consequential loss, lost profits, or loss of data — including a misread figure, a category filed wrongly, or records lost with a device.

Australian Consumer Law gives you guarantees that cannot be excluded. Nothing in these terms limits them. Where we are permitted to limit our liability for a failure to meet one of those guarantees, our liability is limited to supplying the app again or paying the cost of doing so. As Spenlyx is supplied free of charge, that cost is nil. Where liability cannot be excluded or limited, our total liability is capped at AUD 100.

If someone brings a claim against us because of the way you used Spenlyx — you read financial records you had no right to read, you broke a law with it, or you broke these terms — you agree to cover the reasonable cost of dealing with that claim, legal fees included.

This is about your conduct, not ours. It does not apply to a claim caused by the app itself, by something we did, or by anything the Australian Consumer Law leaves us answerable for.

You can end it at any time by deleting the app, which also deletes the data it holds. We may end your licence if you seriously breach these terms. The sections on ownership, disclaimers and liability survive.

If we change these terms we will update the date at the top of this page, and we will tell you in the app when the change is significant. Continuing to use Spenlyx after a change means you accept the new terms.

You also agree to the terms of the store you installed from. Apple and Google are not parties to this agreement, have no obligation to support the app, and are not responsible for any claim you may have about it. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them.

These terms are governed by the laws of New South Wales, Australia, and disputes go to the courts of that state — which does not take away any right you have to bring a claim where you live. If a provision turns out to be unenforceable, the rest still applies.

Questions about these terms, or about anything the app did that you did not expect: support@spenlyx.app. A person reads that address.