Financial Disclaimer

This page is maintained by the SpendMint team to describe how the SpendMint app should be used. It is not legal, tax, investment, or financial advice.

1. Informational purposes only

SpendMint is a personal budgeting and cash-flow visualization tool. All balances, projections, "Safe to Spend" amounts, miss-risk forecasts, savings estimates, coupon impact figures, and Smart Basket scores shown in the app are informational estimates derived from data you or your linked accounts provide. They are not guarantees, quotes, or offers.

2. Not a financial advisor

SpendMint is not a bank, broker-dealer, investment adviser, tax preparer, credit-repair organization, insurance producer, or fiduciary. Nothing in the Service constitutes personalized financial, investment, tax, accounting, or legal advice. Consult a qualified professional before making decisions that affect your finances.

3. Estimates and third-party data

Balances and transactions are retrieved through our bank-connection provider and may be delayed, incomplete, or reclassified by your financial institution. Refunds, holds, pending charges, and posting timing can cause displayed amounts to differ from your actual available funds. Always confirm balances with your bank of record before transacting.

4. Your responsibility

You are solely responsible for financial decisions you make while using the Service, including whether to spend, save, pay a bill, cancel a subscription, apply a coupon, or act on any suggestion. SpendMint is not liable for overdrafts, missed payments, late fees, or losses that result from reliance on the app.

5. No guarantee of savings

Savings amounts shown in coupon, subscription, and basket-optimization features are projected based on the data available at the time. Actual savings depend on retailer terms, product availability, and your own behavior and may be lower — or zero.

6. Questions

For questions about this disclaimer, contact the SpendMint team through in-app support.