J-Spending LLC (“J-Spending”) – Terms and Conditions
Terms and Conditions Agreement
Please read these terms and conditions carefully before creating a software account with J-Spending.
By using J-Spending you agree to be bound by and comply with this Terms and Conditions Agreement (“Agreement”), just as if you had signed it. Violation of any provision of the Agreement is grounds for immediate termination of your J-Spending account. J-Spending may modify these Terms and Conditions at any time. J-Spending may also modify the prices of its services, as well as discontinue or change the services offered. You acknowledge that you are subscribing to a software as a service platform that depending on choices may incur certain fees. You further acknowledge that your use of J-Spending is discretionary. J-Spending is not responsible for errors in calculations of the budget information. Budget amounts and calculations are for entertainment and educational purposes ONLY and are not to be considered financial advice. J-Spending budget information does not constitute advice. J-Spending is not an advisor. Past performance†e is not indicative of future results.
The J-Spending platform is free. Certain products J-Spending offers e.g. account creation and financial information may involve fees. J-Spending does not issue refunds for initial setup or monthly subscription fees. If you cancel at any time, you will have access to J-Spending through the last day of your given billing period.
You shall not use or permit any other party to use the software in connection with any matter of an illegal nature.
You shall not transfer any rights to access the software or any J-Spending services to another party. You will comply with instructions given by J-Spending concerning access to services associated with the use of J-Spending.
J-Spending is a software as a service company and not a regulated entity. The platform may require information from the associated financial account in order to display to its users their transactions and value of their account. You will allow basic transparency of account information e.g. financial transactions and balance information.
J-Spending will never debit your account directly. All fees for J-Spending will exist solely at your discretion through your phone subscription service provider. e.g. Apple or Google
J-Spending may cancel or suspend access if you fail to observe or perform any of the provisions of this agreement or provide false or misleading information in regard to this agreement or if J-Spending is of the opinion that you have or may use the service for any unlawful or improper purpose or in a manner that may jeopardize the security or interface in the proper operation of any part of the service.
J-Spending shall not be liable for any breach of this agreement caused by an Act of God, insurrection or civil disorder, war or military operations, national or local emergency acts or omissions of Government or other competent authority, industrial disputes of any kind (whether involving J-Spending employees or contractors), disruption in either the customer’s or J-Spending Internet services, or disruption of services necessary for J-Spending operations, fire, lightening, flood, subsidence, inclement weather, acts or omissions of persons for whom J-Spending is not responsible or any other case outside the control of J-Spending.
Bank Linking & Transaction and Balance Information
J-Spending may access, at the discretion of the user, bank information to be limited to recent financial transactions and current balance information. No information will be used for any other purpose other than budget calculations and internal application features. No information will be saved on J-Spending servers or transmitted to any other entity.
Revisions
J-Spending may at any time revise these Terms and Conditions by updating this document. You agree to be bound by subsequent revisions and agree to review these Terms and Conditions periodically for changes. The most updated version of this document will be available for your review under the “J-Spending - Terms and Conditions” link that appears on the J-Spending website and mobile application.
This agreement is deemed to have been executed when the customer clicks the “Continue” button on the Terms of Service screen.