Last updated: 2026-08-01 · Provider: Chen Yitong · Contact: yitong0322@gmail.com
SpendSmart AI is a personal finance ledger and planning app. It does not provide banking, payment transfer, lending, investment, tax, legal, or regulated financial advisory services.
In-app purchases and subscriptions are processed by Apple. Auto-renewable subscriptions renew unless canceled in your Apple ID subscription settings before the renewal date. Lifetime Pro is a one-time non-consumable purchase. AI credit packs are consumable purchases delivered after StoreKit verification.
Hosted AI features are optional. AI responses may be inaccurate and should not be treated as financial, legal, tax, or investment advice. You are responsible for reviewing outputs before acting on them.
You may not misuse the service, attempt to bypass purchase or credit controls, interfere with service operation, or use the app in violation of applicable laws.
Questions about these terms: yitong0322@gmail.com.