1. Acceptance of Terms

By creating an account, accessing, or using ExactSpend, you agree to these Terms of Service and our Privacy Policy. If you do not agree, you must not use the service.

2. Services

ExactSpend provides financial management tools that integrate with secure third-party APIs (including Plaid, QuickBooks, Xero, and others) to help users track expenses, categorize transactions, manage receipts, and detect potential fraud patterns.

3. Account Registration

You must be at least 18 years old to use this service. You agree to provide accurate information and are responsible for maintaining the confidentiality of your login credentials.

4. Subscriptions & Payments

• Subscription pricing is displayed at checkout.
• Payments are processed securely via Stripe or other processors.
• Subscriptions renew automatically unless canceled before renewal.
• No refunds are provided except as required by law.

5. Acceptable Use

You agree not to:

• Use the service for unlawful or fraudulent activities.
• Attempt to reverse engineer, resell, or disrupt the platform.
• Upload malicious or misleading content.

6. Third-Party Integrations

ExactSpend integrates with third-party providers such as Plaid, QuickBooks, Stripe, and others. Your use of those services is also governed by their respective terms and privacy policies.

7. Data Security & Privacy

We use encryption and secure systems to protect user data. See our Privacy Policy for full details.

8. No Financial Advice

ExactSpend provides financial organization and analysis tools for informational purposes only. We do not provide financial, tax, legal, or investment advice. Any insights, analytics, fraud alerts, or AI-generated recommendations are informational only. Users are responsible for verifying financial decisions with qualified professionals.

9. Intellectual Property

All software, trademarks, and content are owned by AJS SaaS Holdings LLC or licensed to us. You may not copy, modify, or distribute our content without written permission.

10. Limitation of Liability

The service is provided "as is" without warranties of any kind. To the maximum extent permitted by law, AJS SaaS Holdings LLC shall not be liable for indirect, incidental, consequential, or financial damages. Our total liability shall not exceed the amount paid by you in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless AJS SaaS Holdings LLC from claims, damages, or expenses arising from your use of the service or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of Pennsylvania, USA. Any disputes shall be resolved in Pennsylvania courts.

13. Contact

For questions regarding these Terms:

Email: exactspend@gmail.com