Terms of Service

Spendika is owned and operated by WILLIATION™ TECHNOLOGIES LTD, 128 City Road, London, United Kingdom, EC1V 2NX. Company No. 17289183. D-U-N-S Number: 234927849.

The company website is https://www.williation.uk.

You must provide accurate account information, keep your login details secure and use Spendika only for lawful personal or business money-planning purposes.

You must not misuse the service, attempt to access another user account, reverse engineer the platform, upload malicious content or use automated scraping without written permission.

Free calculators and planning tools are provided for general information only. Results are estimates based on the figures you enter.

Logged-in features may include expense tracking, receipts, budgets, goals, subscriptions, reports and AI assistance. Features may change as the product develops.

Paid plans may be offered monthly or yearly. Monthly plans can be cancelled month to month. Yearly plans are billed for the yearly period and cancellation normally takes effect at the end of that yearly period, except where consumer law gives you a different right.

Where a trial is offered, the product page and checkout should explain the trial length, price after trial and renewal cycle before payment starts.

AI answers are generated automatically and may be incomplete, outdated or wrong. They are not financial, legal, tax, accounting or investment advice.

You remain responsible for checking important decisions and should speak to a qualified professional for regulated or high-impact decisions.

We aim to keep Spendika available, but we do not guarantee uninterrupted service. We may update, suspend or withdraw parts of the service for maintenance, security or product reasons.

We may update these Terms when the service, law or business needs change. Continued use after an update means you accept the updated Terms.

Spendika apps for iPhone and Android are licensed to you, not sold, for personal use on devices you own or control, under these Terms and the usage rules of the app store you downloaded them from.

If you use the iOS app: these Terms are between you and WILLIATION™ TECHNOLOGIES LTD, not Apple. Apple is not responsible for the app, its content, maintenance, support, warranty claims or any product liability, consumer protection or intellectual property claims relating to it. If the app does not conform to any applicable warranty, you may notify Apple and Apple may refund the purchase price, if any; Apple has no other warranty obligation. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

You confirm that you are not located in a country subject to a US Government embargo or designated as a terrorist-supporting country, and that you are not listed on any US Government list of prohibited or restricted parties.

App support and questions about these Terms: WILLIATION™ TECHNOLOGIES LTD, 128 City Road, London, EC1V 2NX, United Kingdom, through https://spendika.com/contact.

You can delete your account at any time in Settings on the website or in the mobile app. Deletion cancels any active Spendika subscription and permanently removes your account data, as described on our account deletion page.

We may suspend or close accounts that break these Terms or put the service or other users at risk.

Nothing in these Terms excludes liability that cannot legally be excluded, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

To the fullest extent permitted by law, Spendika is provided without guarantees that it will meet every requirement, prevent financial loss or produce error-free calculations.

These Terms are governed by the laws of England and Wales, subject to any mandatory consumer rights that apply where you live.

For questions about these Terms, contact WILLIATION™ TECHNOLOGIES LTD through https://www.williation.uk.