What Spenlio is
Spenlio is a personal budgeting tool that builds a ledger from the bank and card SMS on your phone. It is provided for personal, non-commercial use.
Who can use Spenlio
You must be at least 18 years old (or the age of majority where you live, if higher) to use Spenlio and to turn on message sharing. Spenlio is not directed at children.
Not financial advice
Spenlio shows information derived from your messages to help you understand your money. It is not financial, tax, or legal advice, and it is not a system of record. Your bank's statements are the authority on your balances and transactions — always verify important figures against them.
Accuracy
Reading SMS formats is best-effort. Banks change their message formats, some messages are ambiguous, and some may be missed or read imperfectly. Spenlio surfaces what it could not read rather than hiding it, and lets you correct anything, but you should not rely on Spenlio's numbers for decisions where an error would matter without checking the source.
If you share messages
When you turn on sharing, you give Spenlio permission to use the messages you share — as described in the Privacy Policy — to build, train, validate, and improve its message-reading systems, models, and related review tooling, including processing by automated systems run by Spenlio and by AI providers acting on Spenlio's behalf. What Spenlio learns from shared messages remains part of Spenlio after you stop sharing.
Only share what you have the right to share. Sharing is designed to exclude personal conversations automatically, and you can stop at any time.
Acceptable use
Don't attempt to break, overload, reverse-engineer the service side of Spenlio, or use it to process messages you are not authorized to access.
No warranty, limited liability
Spenlio is provided as-is, without warranties of any kind, to the extent your local law allows. To that same extent, Spenlio is not liable for losses that come from relying on its numbers, from missed or misread messages, or from the app being unavailable — your banks remain the authority on your money. Nothing in these terms limits rights that your local law does not allow to be limited.
Changes and termination
These terms and the Privacy Policy may change as Spenlio evolves; material changes to what sharing means will re-ask for your consent before any further sharing. You can stop using Spenlio at any time by uninstalling it, which deletes its local data from your phone.
Questions?
Anything about this policy or your data: contact Spenlio.