Last updated: November 29, 2025
By accessing or using SpokenFor.money ("Service", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.
SpokenFor.money is a financial forecasting tool that helps you track your accounts, recurring transactions, and predict future account balances. The Service allows you to:
Important: SpokenFor.money is a forecasting and planning tool. It does not connect to your actual bank accounts, make financial transactions, or provide financial advice.
To use the Service, you must create an account by providing a valid email address and password. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
You are responsible for safeguarding your password and for all activities that occur under your account. You agree to:
We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activities. You may delete your account at any time through your account settings.
New users receive a 14-day free trial period. During the trial, you have full access to all premium features. No payment information is required to start your trial. After the trial period ends, you must subscribe to a paid plan to continue using the Service.
We offer an annual subscription:
Prices are subject to change with 30 days' notice to existing subscribers. Price changes will not affect your current billing cycle.
Payments are processed securely through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis according to your chosen plan. You agree to:
Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription fee for the renewal period.
You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period. You will retain access to premium features until the end of the paid period. We do not provide refunds for partial months or years.
We offer refunds under the following circumstances:
Refund requests must be submitted within 30 days of the charge. Contact us to request a refund. We reserve the right to determine refund eligibility on a case-by-case basis.
You agree to use the Service responsibly and lawfully. You agree NOT to:
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.
You retain ownership of all financial data you enter into the Service. You are solely responsible for the accuracy and completeness of the data you provide.
The Service and its original content, features, and functionality are owned by SpokenFor.money and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not:
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
Important: SpokenFor.money is a forecasting tool that provides estimates based on the data you provide. We do not guarantee the accuracy of forecasts or predictions. You should not rely solely on our Service for financial decisions.
SpokenFor.money is a planning and forecasting tool only. We do not provide financial, investment, tax, or legal advice. The Service is not intended to replace professional financial advice. You should consult with qualified professionals before making significant financial decisions.
Forecasts and projections are based on the data you provide and historical patterns. Actual future results may differ materially from forecasted results due to various factors beyond our control.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPOKENFOR.MONEY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless SpokenFor.money and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:
We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We may also impose limits on certain features or restrict access to parts of the Service without liability.
We will make reasonable efforts to notify you of significant changes to the Service. We do not guarantee that the Service will always be available or uninterrupted.
The Service uses third-party services including Stripe for payment processing and Supabase for data storage. Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the actions, policies, or practices of third-party services.
If you have a dispute with us, please contact us first to attempt to resolve it informally. We will work in good faith to resolve any disputes.
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which SpokenFor.money operates, without regard to its conflict of law provisions.
Any disputes that cannot be resolved informally shall be resolved through binding arbitration, except that either party may bring an action in court to seek injunctive relief. You waive any right to participate in a class action lawsuit or class-wide arbitration.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Material changes will be effective 30 days after posting, except for changes required by law, which will be effective immediately.
Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and may cancel your subscription.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be replaced with a valid provision that most closely matches the intent of the original provision.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and SpokenFor.money regarding the Service and supersede all prior agreements and understandings.
If you have any questions about these Terms, please contact us at:
Email: [email protected]
By using SpokenFor.money, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.