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Terms of Service — LiveSpend

Effective date: April 1, 2026

These Terms of Service ("Terms") govern your use of LiveSpend ("LiveSpend", "we", "us", or "our"), an independent personal project operated under the name LiveSpend in Canada. By accessing or using LiveSpend, you agree to these Terms.

1) Description of Service

LiveSpend is a budgeting and transaction tracking tool that helps users monitor spending based on bank transaction notification emails.

LiveSpend operates by reading transaction notification emails through the Gmail API with user authorization.

After initial filtering (such as by sender domain), LiveSpend may use automated language model service providers to help determine whether a candidate email is a transaction alert and, if so, extract the merchant name, amount, and transaction date.

LiveSpend does not connect directly to your bank account, does not access your banking portal, and does not initiate financial transactions of any kind.

2) No Financial Advice

LiveSpend is provided for informational and budgeting purposes only. It does not provide financial, investment, tax, legal, or accounting advice.

Any insights, categorizations, summaries, or analyses generated by LiveSpend are automated and may contain errors. You remain solely responsible for verifying your financial information against official bank records.

3) Accuracy and Data Limitations

LiveSpend relies entirely on transaction notification emails sent by financial institutions. If an email is delayed, modified, incomplete, or not delivered, LiveSpend may not reflect accurate data.

Automated classifiers and language models may misidentify emails or extract incomplete or incorrect transaction details.

LiveSpend does not guarantee:

  • Real-time accuracy
  • Complete transaction coverage
  • Correct merchant categorization
  • Error-free operation

4) Gmail API Access

If you connect your Gmail account, you authorize LiveSpend to access your Gmail data using Google's Gmail API with read-only permissions.

By enabling Gmail sync, you also authorize LiveSpend to use automated service providers, including language model providers, for the limited purpose of classifying pre-filtered candidate emails and extracting transaction details for display in the Service.

LiveSpend:

  • Does not send emails on your behalf.
  • Does not modify your mailbox.
  • Extracts relevant transaction data and discards unrelated email content.
  • May use automated service providers to classify candidate emails and extract merchant name, amount, and transaction date.

Gmail access can be revoked at any time through your Google account settings.

5) Subscriptions and Billing

A. Free and Pro tiers

LiveSpend offers a free tier and a paid Pro subscription. The free tier provides core spending tracking features. The Pro tier provides additional features as described on our website.

B. Billing

Pro subscriptions are billed monthly in Canadian dollars (CAD). Payments are processed by Stripe. By subscribing, you authorize LiveSpend and Stripe to charge the payment method you provide on a recurring basis.

C. Automatic renewal

Pro subscriptions renew automatically at the end of each billing period unless you cancel before the renewal date. You can cancel at any time through your account settings or the Stripe customer portal.

D. Cancellation

If you cancel your Pro subscription, you will retain access to Pro features until the end of your current billing period. After that, your account will revert to the free tier. Your transaction data will not be deleted upon cancellation.

E. Refunds

Payments are non-refundable. If you cancel, no refund will be issued for the remaining portion of the current billing period. You can cancel at any time to prevent future charges.

F. Pricing changes

LiveSpend reserves the right to change subscription pricing at any time. Existing subscribers will remain at their current rate unless otherwise notified with reasonable advance notice. New pricing will apply to new subscribers and to existing subscribers only upon renewal after notice has been provided.

G. Payment failures

If a payment fails, LiveSpend may suspend access to Pro features until the payment issue is resolved. We may attempt to retry the charge as permitted by Stripe.

6) Third-Party Payment Processing

Payments are processed by Stripe. LiveSpend does not collect or store your credit card number, CVV, or full payment credentials. Your use of Stripe is subject to Stripe's Terms of Service and Stripe's Privacy Policy.

7) Data Security

LiveSpend takes reasonable measures to protect your data. Gmail refresh tokens are encrypted at rest.

However, no system can guarantee absolute security. By using LiveSpend, you acknowledge and accept inherent internet risks.

8) User Responsibilities

You agree not to:

  • Use LiveSpend for unlawful purposes
  • Attempt to reverse engineer or disrupt the platform
  • Abuse API connections or automation systems

You remain solely responsible for safeguarding your email and financial account security.

9) Limitation of Liability

To the fullest extent permitted by law, LiveSpend shall not be liable for:

  • Financial losses
  • Missed payments
  • Incorrect budgeting decisions
  • Data inaccuracies
  • Indirect, incidental, or consequential damages

LiveSpend is provided "as is" and "as available" without warranties of any kind.

10) Account Suspension or Termination

LiveSpend reserves the right to suspend or terminate access at any time for misuse, abuse, security concerns, or violation of these Terms. If your account is terminated by LiveSpend, any active Pro subscription will be cancelled and no refund will be issued for the remaining billing period.

11) Changes to the Service

LiveSpend may modify, suspend, or discontinue any feature at any time. Subscription plans, features included in free and Pro tiers, and pricing may change. Material changes to paid features will be communicated with reasonable advance notice.

12) Governing Law

These Terms are governed by the laws of Canada.

13) Contact

If you have any questions regarding these Terms, please contact:

Email: support@livespend.app

By using LiveSpend, you acknowledge that you have read and understood these Terms of Service.