Terms of Service

1. Acceptance of Terms

By accessing and using SpendCharm ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

SpendCharm provides AI-powered vendor spend analysis and optimization tools for businesses. Features include spend tracking, vendor management, and savings opportunity identification.

3. User Accounts

To use our Service, you must:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Promptly notify us of any unauthorized access
• Be responsible for all activities under your account

4. Acceptable Use

You agree NOT to:

• Use the Service for illegal purposes
• Upload false or misleading information
• Attempt to breach our security measures
• Interfere with other users' access to the Service
• Reverse engineer or copy our technology
• Use automated systems to access the Service without permission

5. Intellectual Property

All content, features, and functionality of SpendCharm are owned by us and are protected by intellectual property laws. You retain ownership of data you input into the Service.

6. Payment Terms

If you subscribe to a paid plan:

• Fees are billed in advance on a monthly or annual basis
• All fees are non-refundable except as required by law
• We may change fees with 30 days notice
• You're responsible for all applicable taxes

7. Data and Privacy

Your use of our Service is also governed by our Privacy Policy. By using SpendCharm, you consent to our collection and use of data as described in the Privacy Policy.

8. Disclaimers

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPENDCHARM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

10. Indemnification

You agree to indemnify and hold harmless SpendCharm from any claims arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

11. Termination

We may terminate or suspend your account at any time for violation of these Terms. You may cancel your account at any time through your account settings.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or through the Service with 30 days notice.

13. Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

14. Contact Information

For questions about these Terms, please contact us at: