Terms

What Spent So Far is

Spent So Far works out what you've spent this month from the bank and card accounts you connect through SimpleFIN. It runs in your web browser and as an iPhone app. The web app is free during early access, and we'll tell you before that changes.

These terms cover the iPhone app too, with the differences in Spent So Far for iPhone.

Spent So Far for iPhone

• Same account. You can try the iPhone app with sample data without an account. To use your own numbers you sign in with the same account as the web app, using an email and password, Google or Apple, and Your account applies. Using the iPhone app means you agree to these terms.
• Your data. The app keeps your bank data in its own storage on your iPhone, and your SimpleFIN connection and sync key in the iPhone's Keychain. If you turn on sync, an encrypted copy is kept as described in Your data. With sync off we hold no copy, so Delete everything from this iPhone in Settings, or deleting the app, removes it for good. Export a copy first if you want to keep one, and keep that file private: it isn't encrypted. The privacy page has the details.
• Free, with nothing to buy. The iPhone app is free. It has no in-app purchases, subscriptions or ads. Connecting a bank is optional and goes through your own SimpleFIN account, which you arrange with SimpleFIN directly. We don't sell SimpleFIN and receive nothing from it.
• Sample data. The sample is three months of made-up spending, there so you can try the app without connecting anything.
• Apple. Apple's standard licence for App Store apps applies to the iPhone app along with these terms. Apple isn't responsible for the app or for supporting it, so write to us with questions.
• Everything else applies as written. The sections on your account, your data, SimpleFIN, the numbers, changes, warranty and liability, governing law and contact apply to the iPhone app just as they do to the web app.

Your account

• Use an email address you can get to, and keep your password to yourself.
• An account is for one person.
• You need to be at least 18 to create an account.
• We may suspend or close an account that's used to attack, overload or misuse the service.
• You can delete your account whenever you like, in Settings, on the web or in the iPhone app.
• If you sign in with Google or Apple, their terms also apply to that sign-in.

Your data

Your bank data is stored on your device: in your browser, or in the iPhone app. If you turn on sync, an encrypted copy is also kept in Google Cloud Firestore in Montréal. Only your sync passphrase or recovery code can unlock it, and neither Google nor we can read it. The privacy page has the details.

Keeping your data, your passphrase and your recovery code safe is up to you. With sync off, clearing your browser's data, or deleting the iPhone app, deletes your bank data for good: we never had a copy, so we can't recover it. With sync on, we can't unlock the cloud copy for you either. If you lose both the passphrase and the recovery code, it can't be read again.

SimpleFIN

SimpleFIN Bridge is a separate service with its own terms and fees, which you pay to SimpleFIN. We don't run it, and we can't fix it when it's down or sends wrong data.

Some banks' account agreements restrict sharing account access with third-party services, and may limit their fraud protection if you do. Check your bank's terms before you connect. Connecting is your choice and your responsibility. Spent So Far only ever reads data; it can't move money.

The numbers

Spent So Far doesn't give financial, tax, accounting or legal advice. Its totals depend on what your bank reports through SimpleFIN, which can be late, incomplete or wrong, and on how you've set things up. Check anything important against your statements. Decisions you make with its numbers are yours.

Changes

Spent So Far is early and will change. We may add or remove features, pause the service or stop it. Before we stop it, the app will say so, so you have time to look at your numbers one last time. If these terms change, the date at the top changes too.

Warranty and liability

You use Spent So Far at your own risk. It's provided as it is and as available, without warranties of any kind, including that it will be accurate, always available, or free of errors or data loss.

Spent So Far is a free service. To the fullest extent the law allows, we aren't liable for any loss or damage that comes from using it, being unable to use it, or relying on its numbers, and we won't pay damages or compensation of any kind. You agree you won't be owed any money from us for using it.

Nothing in these terms takes away rights you have under consumer protection laws that can't be waived.

Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.

If a court decides part of these terms can't be enforced, the rest still applies.

Contact

Write to [email protected]. Spent So Far is based in Toronto, Ontario, Canada.