Terms of Service
Terms and conditions for using Spenrol.
Last updated: October 12, 2026
Applies to Spenrol app version 4.0.0 and above. If you use an earlier version, the previous Terms of Service still applies to you until you update.
1. Agreeing to these terms
By creating an account or using Spenrol, you agree to these terms and to our Privacy Policy. Spenrol is developed and operated by Shreyash Mogaveera as an individual, not a registered company. If you do not agree, do not use the app.
You must be at least 18 years old and able to form a binding contract under Indian law. Accounts are created with an Indian mobile number you control.
When we change these terms in a way that needs your agreement, the app asks you to accept the new version. If you do not accept, you can log out or delete your account, but you cannot keep using the app.
2. The service and your account
Spenrol is a personal budgeting and expense-tracking tool. You can set monthly budgets and categories, log expenses, import an expense from a payment screenshot, split an expense for your own tracking, keep a list of bills and subscriptions with reminders, and see insights and a Smart Spending Score about your own spending. Part of a budget you have not split into categories is held in an automatic "Not allocated" category that you cannot edit or delete.
Spenrol is not a payment service, bank, lender or payment aggregator. It never holds, moves or processes your money, and it cannot make or reverse a payment.
You log in with a one-time password sent to your phone number. You are responsible for keeping that phone and number secure and for everything done under your account. Tell us at once if you think someone else has access.
You are responsible for the accuracy of the budgets, categories, bills and expenses you create, import or confirm. Spenrol is not liable for entry errors, wrong tags, or differences between what you logged and what you actually spent.
3. Optional features and permissions
Some features need a permission on your phone. They are off until you turn them on, and you can turn them off at any time in Settings or in Android settings. How your data is handled is set out in the Privacy Policy.
Bank SMS tracking (Android). You allow Spenrol to read your SMS inbox to find bank and payment alerts. Detection is automatic and can be wrong, late or incomplete: a payment may be missed, shown twice, given the wrong amount, merchant or category, or marked as a refund by mistake. Detected payments are only suggestions. They do not count toward your budget until you add them in Review, so you are responsible for checking each one. Archived payments can be restored for 7 days.
Spend nudges (Android). You allow Spenrol to notice when you open certain shopping, food and cab apps, so it can show a notification about your budget. The figures reflect only what you have logged or confirmed in Spenrol, so they may not match your real spending. A nudge is a prompt, not a block: Spenrol does not stop you opening or using any app.
Bills, subscriptions and reminders. Reminders depend on your phone and network and on the due dates you enter. They may arrive late or not at all, so do not rely on them as your only way to pay a bill on time.
Category suggestions. Suggested categories come from your own past expenses and keywords. Check them before you save.
These features may change, move or be removed, and some may be available only in certain app builds or on certain devices.
4. Using Spenrol, and what it is not
You must not use Spenrol for anything unlawful, interfere with or disrupt the service or its servers, abuse the login flow, try to reach another person's account or data, upload content you have no right to, or reverse engineer the app beyond what the law allows.
Not financial advice. Spenrol gives no financial, investment, tax or legal advice. Budget alerts, nudges, the Smart Spending Score and insights are tools to help you reflect on your own spending. They are not recommendations and should not be relied on as such.
Your data. The budgets, expenses and other content you put into Spenrol remain yours. You allow us to store and process it only to run the service for you, as described in the Privacy Policy.
Ownership of the app. The app, its design, text and code belong to the developer and are licensed to you, not sold, for your personal, non-commercial use.
5. Availability, liability and ending your use
Spenrol is provided "as is" and "as available". We do not promise it will always be available, error free or accurate. It may be unavailable because of maintenance, outages, or problems with third-party services such as login, notifications, your phone's operating system or your network.
To the maximum extent the law allows, Spenrol and its developer are not liable for any indirect, incidental or consequential loss, including missed or late bill payments, overspending, or decisions you make based on the app's figures, alerts or insights. Our total liability for any claim is limited to the amount you paid us for Spenrol in the 12 months before the claim, which is nil while the app is free. Nothing here limits a liability that cannot be limited by law.
You may stop using Spenrol and delete your account at any time (Privacy Policy, section 5). We may suspend or end your access if we reasonably believe you have broken these terms or are putting the service or other users at risk.
6. Governing law, changes and contact
These terms are governed by the laws of India. Courts of competent jurisdiction in India will decide any dispute that cannot be settled by writing to us first.
We may update these terms as the app changes. We will change the "Last updated" date above and, for material changes, ask you to accept the new version in the app. Earlier versions are kept at dated links on spenrol.com/terms. If a part of these terms is found unenforceable, the rest still applies.
Questions or complaints:
Shreyash Mogaveera
[email protected]