Terms of Use

Last updated 2026

What this is

SpendFloor is a personal finance tool built and run by an individual, not a registered company. It is provided as-is, without warranty of any kind.

Not financial advice

SpendFloor projects your cash flow and surfaces a safe-to-spend number based on the bank data and rules you provide. It is a planning tool, not licensed financial, tax, or legal advice. Decisions you make based on it are your own responsibility.

Accuracy

Projections depend on the accuracy of your linked bank data and the recurring rules you set up. SpendFloor does its best to keep both in sync, but it cannot guarantee a projection will exactly match what your bank ultimately shows.

Bank access

By connecting a bank account, you authorize SpendFloor to access read-only transaction and balance data via Plaid for the purpose of calculating your projection. You can unlink an account at any time from within the app.

Availability

This is a personal project, not a company with an uptime commitment or support SLA. It is provided with reasonable effort to keep it running, but with no guarantee of availability.

Contact

Questions: hello@spendfloor.com