Terms of use

These terms cover the SpendRelay website and the current invitation-only iPhone welcome preview operated by Usman Mahmood. Contact usman.hussain940@gmail.com with questions.

The preview

The preview provides an early introduction to SpendRelay. It currently offers no expense tracking, bank import, AI feature or paid subscription. Participation is voluntary, and availability or functionality may change as development progresses. TestFlight access is also subject to Apple’s applicable terms.

Using the service

Use the website and preview lawfully. Do not attempt to compromise the service, misrepresent your identity, send malicious content or submit bank credentials and one-time codes. You retain ownership of feedback you provide and permit us to use it to improve the app, subject to the privacy policy.

No financial advice

SpendRelay is not a bank, payment service or financial adviser. This preview provides no financial analysis or recommendations. Do not rely on a development preview for financial decisions or essential record keeping.

Charges and future releases

There are no SpendRelay charges or in-app purchases in the current preview. Any future paid feature will disclose its price and applicable terms before purchase. No release date or future feature is guaranteed by this website.

Rights and responsibilities

SpendRelay branding, website content and app software belong to their respective rights holders. Use of this preview does not transfer those rights. The preview may contain defects or be interrupted; to the extent permitted by applicable law, no uninterrupted-service guarantee is provided. Nothing in these terms excludes rights or liabilities that cannot legally be excluded, including mandatory consumer rights.

Privacy and changes

Read our privacy policy for data handling. We will update these terms when the service changes and show the effective date. Contact support if you disagree with a change or want to stop participating.