Legal
These Terms & Conditions govern your use of SpentNest, a personal finance and budgeting web application operated by Stavan Labs. By creating an account, accessing the website, or using the services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use the application.
SpentNest helps users track income, expenses, budgets, savings, dues, and other personal finance information. The product may also provide AI-generated summaries, predictions, recommendations, and budgeting guidance based on users' data. These features are provided for convenience and informational support, not as guarantees of financial performance or outcomes.
You must be at least the age required to enter binding contracts in your jurisdiction. You agree to provide accurate information when creating your account and to keep your login credentials secure. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under your account.
To use the application, you may create an account using your email address and password. You must not share your account, transfer access to another person, or use the service for illegal or abusive activities. If you become aware of unauthorized access or a security issue, you should notify the application operator as soon as reasonably possible.
SpentNest depends on user-provided information such as expenses, budgets, income, dues, and savings. The application does not verify the correctness or completeness of this data before using it in reports, graphs, or AI-generated insights. You are solely responsible for the accuracy, validity, and completeness of the data you add to the service.
The application provides tools to record income, budgets, expenses, savings goals, and due/borrowed amounts. These tools are designed to help with personal organization and planning. They do not replace professional financial management, accounting, or advisory services.
SpentNest may generate predictions, recommendations, or summaries based on your financial activity and historical patterns. AI-generated insights are generated using automated models and may be incomplete, outdated, context-limited, or inaccurate. You should review output carefully and use your own judgment before making decisions based on it.
SpentNest is not a financial advisor, investment advisor, tax advisor, or legal advisor. The service, including any AI-generated output, is not intended to provide professional, personalized advice. The application does not guarantee financial results, tax optimization, investment performance, legal compliance, or any specific outcome.
You agree not to use SpentNest:
The service may be temporarily unavailable, subject to maintenance, outages, or network issues. Data may not always be immediately synchronized or available across devices or browsers. We do not guarantee error-free operation, uninterrupted access, perfect data recovery, or continuous availability of all features.
SpentNest, its branding, layout, design, features, text, and software elements are owned by the application operator or licensed for use in connection with the service. You may use the service only for personal, non-commercial purposes in accordance with these Terms. You may not copy, resell, distribute, or attempt to reverse-engineer the platform except as expressly permitted by law.
SpentNest may integrate with third-party services such as hosting providers, authentication services, analytics infrastructure, or AI processing services. These providers may have their own terms and privacy policies. Links to external websites, including the Stavan Labs website, are provided for convenience and are not controlled by SpentNest. We are not responsible for the content or practices of those external sites.
To the maximum extent permitted by applicable law, SpentNest and its operator shall not be liable for indirect, incidental, consequential, or special damages arising from the use of the application, including loss of data, loss of business opportunities, financial losses, or reliance on inaccurate information. Where law does not permit exclusion of liability, the liability shall be limited to the extent permitted by applicable law.
We may suspend or terminate access to the service if you violate these Terms, misuse the platform, engage in fraudulent or abusive conduct, or if the service is otherwise no longer available or operationally required. We may also discontinue or modify features without notice when necessary for security, reliability, or legal compliance.
These Terms may be updated periodically to reflect changes in the service, law, or operational needs. Continued use of SpentNest after updates are published means you accept the updated Terms. Users should review this page periodically.
These Terms are governed by the laws of India, without regard to conflict-of-laws principles, and any dispute arising from or relating to the service will be subject to the jurisdiction of the competent courts located in India, to the extent permitted by applicable law. Nothing in these Terms excludes rights that cannot be waived under applicable consumer protection or other mandatory law.
For questions about SpentNest, these Terms, or related issues, please visit the developer website: https://stavanlabs.is-a.dev.
These Terms become effective on October 15, 2026 and were last updated on October 15, 2026.