1. Introduction
Welcome to NeoSpend, a digital financial platform designed to help individuals organize, track, and better understand their personal finances through secure tools and insights.
By creating an account, downloading our software, or using any NeoSpend product, website, or application (collectively, the “Services”), you agree to these Terms and Conditions (“Terms”) and any related documents referenced here. These Terms form a legally binding agreement between you (“User,” “you,” or “your”) and NeoSpend Inc. (“NeoSpend,” “we,” “us,” or “our”).
If you do not agree to these Terms, you must discontinue using the Services immediately.
2. Scope of Services
NeoSpend provides access to:
- Personal financial tracking and budgeting tools;
- Data visualization and spending insights;
- Web and mobile applications that help users view and analyze financial information;
- Notifications, summaries, and personalized insights related to your activity.
NeoSpend may update or change the scope of its Services at any time, with or without prior notice, as permitted by law.
3. Eligibility and User Obligations
To use NeoSpend, you must:
- Be at least 18 years of age (or the age of majority in your province or territory);
- Have legal capacity to enter into these Terms;
- Provide accurate and current information during registration;
- Use the Services only for lawful, personal, and non-commercial purposes;
- Not use automated systems, bots, or scripts to create or manage accounts.
You are responsible for keeping your account credentials secure. Any activity performed under your account will be treated as your own unless you can demonstrate unauthorized use.
If you believe your account has been compromised, please contact us immediately at security@neospend.com
4. Account Management and Termination
You may close your account at any time by contacting our support team. After termination, access to your account data may be restricted, except as required by law for recordkeeping or regulatory compliance.
NeoSpend may suspend or permanently close your account without prior notice if:
- You violate these Terms or applicable law;
- We detect fraudulent, abusive, or harmful activity;
- Required by regulatory authorities or legal obligations.
Account termination does not release you from any obligations or fees incurred before termination.
5. Fees and Subscriptions
Certain features may be offered on a paid subscription basis. The price, billing frequency, and applicable taxes will be clearly displayed before you confirm payment.
Payments are handled securely through your app store (e.g., Apple App Store or Google Play). NeoSpend does not collect or store your full payment details.
If a payment fails or is reversed, NeoSpend may suspend access to paid features until payment is successfully completed.
6. Subscription Renewals and Cancellations
If you subscribe to premium features:
- Subscriptions renew automatically at the end of each term unless cancelled at least 24 hours before renewal;
- You can manage or cancel your subscription through your app store account settings;
- Fees already paid are non-refundable, unless required by law.
- Quebec users: You may cancel at any time, but you remain responsible for payment of services provided up to the end of the current billing period.
7. Acceptable Use
You agree not to use NeoSpend to:
- Violate any laws or regulations;
- Upload or share unlawful, offensive, or harmful content;
- Attempt to gain unauthorized access to any system or data;
- Reverse-engineer, copy, or distribute our software;
- Interfere with the security or functionality of the Services.
We reserve the right to suspend or terminate access if you breach these requirements.
8. Ownership and Intellectual Property
All content and technology within NeoSpend — including software, trademarks, designs, databases, algorithms, and related documentation — are owned by NeoSpend Inc. or its licensors.
You receive a limited, revocable, non-exclusive license to use NeoSpend for lawful, personal purposes. You may not copy, reproduce, or distribute any part of the platform without our written consent.
Any content you upload (such as notes, categories, or feedback) remains your property. You grant NeoSpend a limited, royalty-free license to use such content solely to operate and improve the Services.
9. Third-Party Integrations and Links
NeoSpend may integrate with third-party data tools or provide links to other services for convenience. NeoSpend does not control or endorse any third-party websites, applications, or their content.
Your interactions with third parties are governed by their own terms and privacy policies. NeoSpend is not responsible for losses or damages arising from those interactions.
10. Data Privacy and Security
NeoSpend collects and uses your personal information in accordance with our Privacy Policy, available at neospend.com/privacy.
Your data may be processed in Canada or other jurisdictions where our service providers operate, in compliance with applicable data protection laws.
We implement reasonable technical and organizational measures to protect your data but cannot guarantee absolute security.
11. Service Availability and Maintenance
NeoSpend aims to provide continuous and reliable access. However, we do not guarantee uninterrupted availability. Maintenance, updates, or unforeseen events may cause temporary interruptions.
We may modify, suspend, or discontinue some or all of the Services at any time. If we discontinue the Service, we will provide reasonable notice and allow you to export your data where feasible.
12. Limitation of Liability
(Does not apply to Quebec consumers.)
To the fullest extent permitted by law, NeoSpend and its affiliates are not liable for:
- Indirect, consequential, or special damages;
- Data loss, unauthorized access, or service interruptions;
- Inaccuracies resulting from data provided by third parties;
- Any loss of income, savings, or goodwill.
In all cases, NeoSpend’s total liability shall not exceed the total amount you paid to NeoSpend in the twelve (12) months before the event giving rise to the claim.
Consumers in Quebec retain all rights under provincial consumer protection laws.
13. Indemnification
You agree to defend, indemnify, and hold harmless NeoSpend, its officers, directors, employees, and affiliates from any claims, damages, or losses arising out of:
- Your misuse of the Services;
- Violation of these Terms;
- Infringement of intellectual property or other rights by you or your content.
14. Changes to These Terms
NeoSpend may amend these Terms periodically to reflect updates in our operations, products, or applicable laws.
Changes will take effect 30 days after being posted on our website or within the app. If you disagree, you may cancel your account before the new Terms take effect. Continued use after that date constitutes acceptance.
15. Assignment
NeoSpend may assign or transfer its rights and obligations under these Terms to an affiliate or successor company in connection with a merger, acquisition, or reorganization. You may not transfer your rights or obligations without NeoSpend’s written consent.
16. Governing Law and Dispute Resolution
These Terms are governed by the laws of the Province of Manitoba, Canada, without regard to conflict of law principles.
All disputes shall be resolved exclusively in the courts of Winnipeg, Manitoba, unless you are a Quebec resident, in which case Quebec law and courts will apply.
17. Dispute Handling
If you have a complaint or concern, please contact hello@neospend.com
NeoSpend will review and respond to your concern within 21 days and make reasonable efforts to resolve it informally.
This process does not affect your right to pursue legal action where permitted by law.
18. Severability and Waiver
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force.
Failure by NeoSpend to enforce any right or clause does not constitute a waiver of that right.
19. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and NeoSpend. They supersede all prior agreements, communications, or representations regarding your use of the Services.