Terms of Service

Last updated: August 18, 2026

1. Acceptance

By installing or using Daily Spend (the "App"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the App.

2. What Daily Spend does

Daily Spend shows the total you've spent today on your iPhone Lock Screen. It does this by reading the transaction-alert emails your bank sends, which you route to a private email address we create for you. It is an informational spending record only. It is not financial, investment, tax, or legal advice.

3. Eligibility

You must be at least 18 years old and a resident of the United States, where the service is offered.

4. Your private address and your authorization

Daily Spend creates and operates a private email address for you. By using the service, you authorize us to receive, store, and read — by automated means — the messages delivered to that address, in order to record your spending. You confirm that you are authorized to route those bank alerts to us and that the address is yours alone (do not point a shared, family, or employer mailbox at it). The address is intended for your bank's transaction alerts only.

Our access is read-only. Daily Spend never receives your bank login, has no connection or API agreement with your bank, and cannot move money, make payments, or take any action on your accounts.

5. Estimates only — verify with your bank

Daily Spend's totals are estimates built from the emails your bank chooses to send. They can be incomplete or wrong for reasons outside our control, including:

• your bank not sending an alert, sending it late, or changing its email format;
• pending versus posted amounts, holds, tips, and currency conversion;
• refunds, reversals, and chargebacks;
• emails caught by spam filtering or hard to read (ambiguous merchant names);
• anything the emails don't cover — cash, checks, or accounts you didn't route to us.

Your bank's own records are the authoritative source. Always verify against your statements. Daily Spend is not a fraud-detection or account-monitoring service and has no duty to detect or alert you to missing or incorrect data.

6. Not a financial service

Daily Spend is not a bank, money transmitter, broker, investment adviser, tax preparer, credit counselor, or debt collector. We hold no funds and cannot move money, make payments, dispute charges, or contact your bank on your behalf.

7. Subscription and billing

Daily Spend is offered with a free trial followed by an auto-renewing subscription (monthly or yearly), or as a one-time lifetime purchase. Connect a bank and earn a free week — up to four. All purchases are made through the Apple App Store and are also governed by Apple's terms.

Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours beforehand. Manage or cancel in iPhone Settings → Apple ID → Subscriptions. Refunds are handled by Apple.

8. Acceptable use

You agree not to:

• use the App for any unlawful purpose;
• route email you are not authorized to receive;
• reverse engineer, decompile, or extract the App's source code;
• interfere with the App's security or operation.

9. Intellectual property

The App — including its source code, designs, mascot, name, and brand assets — is ours and our licensors'. You receive a non-exclusive, non-transferable license to use the App on devices you own or control, subject to these Terms.

10. Disclaimers

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DAILY SPEND WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY OVERDRAFT, NSF, OR LATE FEES, MISSED PAYMENTS, OR CREDIT-SCORE IMPACTS, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP. OUR TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF THE FEES YOU PAID US IN THE PRIOR 12 MONTHS OR US$100.

12. Arbitration and class-action waiver

You and Daily Spend agree to resolve any dispute through binding individual arbitration rather than in court, and both waive the right to a jury trial and to participate in a class action. You may opt out of this section by emailing legal@dailyspend.ai within 30 days of first accepting these Terms. This section does not apply to claims that may be brought in small-claims court.

13. Termination

You may stop using the App and delete your account at any time (Profile → Delete account). We may suspend or terminate your account if you violate these Terms or if we are legally required to do so.

14. Changes

We may update these Terms. Material changes apply going forward only, and we'll post them here with an updated effective date.

15. Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles.

16. Apple

These Terms are between you and Daily Spend, not Apple. Apple is not responsible for the App or its content, but is a third-party beneficiary of these Terms and may enforce them. Any maintenance, support, or warranty claims are our responsibility, not Apple's.

17. Contact

Questions: hello@dailyspend.ai.