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Terms and conditions

Last updated 11 October 2026

The rules for using CashSpell, written to be read and not just agreed to.

01Agreeing to these terms

These terms are an agreement between you and Gamify Apps ("we", "us") about your use of the CashSpell apps for Android, iPhone and the web (the "app"), any paid plan you buy for it, and this website. By downloading, installing or using the app, you agree to them. If you do not agree, please do not use the app.

Our privacy policy explains how the app handles information and forms part of these terms.

02Your licence to use CashSpell

We give you a personal, non-exclusive, non-transferable and revocable licence to install and use the app on devices you own or control, for your own non-commercial use, in line with these terms and the rules of the store you downloaded it from. On an iPhone or other Apple device, that means as permitted by the Usage Rules in Apple's Media Services Terms and Conditions.

03Not financial advice

CashSpell is a tool for recording and reviewing your own money. Figures and suggestions it shows, such as what is left to spend, budget progress, pace warnings, reports, net worth, insights, forecasts, the answer to Can I afford this?, savings plans, coaching tips and currency conversions, are worked out from what you enter, are estimates, and are for your information only.

Nothing in the app or on this website is financial, investment, tax or legal advice. CashSpell is not a bank, does not connect to your bank accounts and does not move money. Talk to a qualified professional before making important financial decisions.

04Entries read for you

The app can turn what you say, a sentence you type, a receipt you scan, share in or forward by email into a proposed entry. This is done on your phone and, with Pizza Max and only if you allow it, by AI service providers named in the privacy policy.

Speech recognition, text recognition and AI can be wrong: an amount, currency, date, merchant, category or account may be misread or missed. That is why nothing is saved until you confirm it. You are responsible for checking each proposed entry before you confirm it, and for what you save. We do not promise that any reading will be accurate or complete, and AI help may sometimes be unavailable, in which case the app reads on your phone instead.

05Your data and keeping a copy

Everything you enter belongs to you and is stored on your device. If you sign in, it is also synced to CashSpell's server, as the privacy policy describes. If you do not, we have no copy of it and no way to access, restore or recover it.

You are responsible for:

  • the accuracy of what you enter or confirm, including any exchange rates you type in;
  • keeping your own copy of your records. The app can make backups on every plan, from Settings › Data › Backups, and with a paid plan export them to a file; we recommend doing this regularly;
  • keeping your device, your account and any exports you make secure.

Unless it is synced or backed up somewhere else, your data can be permanently lost if your device is lost, damaged or reset, or if the app is uninstalled or its storage is cleared.

06App lock and forgotten PINs

If you set a PIN, it is checked on your device and never leaves it. If you are signed in, you can reset a forgotten PIN by signing in again. If you are not, nobody, including us, can reset it for you, and the only way back into the app is to reinstall it, which deletes every entry, account, budget and category on that device. Keep a backup if you use the lock.

07Acceptable use

You agree not to:

  • copy, modify, distribute, sell or rent the app, or offer it as part of another service;
  • decompile, reverse engineer or try to extract its source code, except where the law allows it;
  • remove or change any copyright, trademark or other notices;
  • get around a plan's limits or the store's billing, or share an account so others can use a plan they have not bought;
  • use our server, AI help or your receipts-by-email address in a way that overloads or abuses them, or send anything to them that is not yours to send;
  • post anything unlawful, abusive or infringing in a shared group, or harass its members;
  • use the app for anything unlawful, fraudulent or harmful.

We may suspend or remove access to signed-in features, such as sync, groups or receipts by email, for an account that breaks these rules.

08Intellectual property

The app, the CashSpell name and logo, its design, text and graphics, and this website are owned by Gamify Apps or its licensors and are protected by intellectual property laws. These terms do not give you any rights to them beyond the licence above. The records you create in the app are yours.

09Plans and subscriptions

Free. The app is free to download and use on the Free plan, which has limits: up to 50 personal expenses in all, where deleting one does not free a place, and income, transfers and group expenses do not count; one image per entry; and up to 3 backups in the cloud and 5 on the phone. Features that belong to a paid plan are shown but open the plans screen.

Paid plans. Coffee Plus, Burger Pro and Pizza Max (listed in the stores as Plus, Pro and Max) are auto-renewing subscriptions, billed monthly or yearly. What each includes is listed on the plans screen in the app and on our home page. The price, in your currency, is shown in the app and by the store before you buy. You can buy a plan without a CashSpell account, and it then works with the store account you bought it with; once you sign in, it belongs to your CashSpell account and works on every phone signed in to it. A plan is for you alone and may not be shared with or transferred to anyone else.

  • Billing. Payment is charged to your Apple ID or Google account when you confirm the purchase, and is handled by Apple or Google under their terms. We never receive your payment details.
  • Renewal. Your subscription renews automatically at the end of each period, for the same length and at the then-current price, unless you cancel at least 24 hours before the period ends. Your account is charged for the renewal within the 24 hours before the period ends.
  • Cancelling. Cancel at any time in your Apple ID's subscription settings on iPhone, or in Google Play's Payments & subscriptions on Android. Uninstalling the app or deleting your CashSpell account does not cancel a subscription. After you cancel, your plan keeps working until the end of the period you have paid for, and is not charged again.
  • Changing plans. You can move up or down between plans, or between monthly and yearly, through the app or the store. When the change takes effect, and any credit for time already paid, is decided by the store.
  • Free trials. If a free trial is offered, its length and the price that follows are shown before you start it. Unless you cancel at least 24 hours before it ends, it becomes a paid subscription. Any unused part of a trial ends when you buy a subscription.
  • Price changes. We may change our prices. The store tells you about a change to your subscription before it applies and, where its rules or the law require, asks you to agree to it. A change never affects a period you have already paid for.
  • Refunds. Payments are taken by Apple or Google, so refund requests go to them and are decided under their refund policies. We cannot issue refunds ourselves. Nothing here limits any refund right you have under consumer law.
  • Fair use. AI help and receipts by email have reasonable limits, such as 50 receipts by email a day, to keep the service running for everyone. When AI help is not available, entries and receipts are read on your phone.

When a plan ends, or you move to a lower one, nothing you made is deleted or hidden. Your entries, budgets, goals, receipts, repeating entries and everything else stay readable, and you can still edit and delete them. Only the features above your plan wait until you choose one again, and on Free, new personal expenses past the first 50 need a plan. An app lock you already had on keeps working and can be turned off. Backups and images over your new plan's limits stay until you remove them.

We may change what a plan includes. If a change takes away something you have paid for, we will tell you in the app first, and it will not apply before the end of the period you have already paid for.

10Google Play and the App Store

Your use of the app is also subject to the terms of the store you downloaded it from. If you downloaded it from the Apple App Store, these terms are the licence for it, and Apple's Standard Licensed Application End User License Agreement applies to anything these terms do not cover. You also agree that:

  • these terms are between you and Gamify Apps only, not Apple, and Gamify Apps, not Apple, is solely responsible for the app and its content;
  • your licence is limited to using the app on Apple-branded products that you own or control, as permitted by the Usage Rules in Apple's Media Services Terms and Conditions;
  • Gamify Apps, not Apple, is responsible for any maintenance and support for the app, and Apple has no obligation to provide any;
  • if the app fails to meet any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the app, and any other claims, losses, liabilities, damages, costs or expenses arising from a failure to meet a warranty are the responsibility of Gamify Apps;
  • Gamify Apps, not Apple, is responsible for addressing any claims relating to the app or your use of it, including product liability claims, claims that the app fails to meet legal or regulatory requirements, and consumer protection, privacy or similar claims;
  • if a third party claims that the app or your use of it infringes its intellectual property rights, Gamify Apps, not Apple, is responsible for investigating, defending, settling and discharging that claim;
  • you are not in a country subject to a U.S. Government embargo or listed as a "terrorist supporting" country, and you are not on any U.S. Government list of prohibited or restricted parties;
  • you must follow any third-party terms that apply when you use the app, such as those of your mobile carrier;
  • questions, complaints or claims about the app should be sent to Gamify Apps at the address under Contact below;
  • Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.

11Updates and availability

We may update, change or stop offering the app or any feature at any time, subject to what these terms say about paid plans. Some updates may be needed to keep using the app. Features that use our server or other services, such as sync, groups, AI help and receipts by email, need a connection and may sometimes be unavailable. We do not guarantee that the app will always be available on every device or platform.

12Disclaimer

The app and this website are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not promise that the app will be error-free or uninterrupted, that anything read for you by speech, text recognition or AI will be accurate, or that calculations, forecasts or suggestions will suit your circumstances.

13Limitation of liability

To the fullest extent permitted by law, Gamify Apps will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of data, savings, profits or goodwill, arising from your use of, or inability to use, the app. This includes decisions you make based on what the app shows, and entries you confirm.

Where liability cannot be excluded, our total liability to you is limited to the amount you paid for the app and its plans in the twelve months before the claim, or USD 10 if you paid nothing. Nothing in these terms limits any rights you have as a consumer that cannot be limited by law.

14Ending this agreement

You can stop using CashSpell at any time by uninstalling it, and delete your account in Settings or from the web. Neither cancels a subscription, which you cancel in your store. Your licence ends automatically if you break these terms. When it ends, you must stop using the app and delete it from your devices.

15Changes to these terms

We may update these terms from time to time. We will change the date at the top of this page when we do, and describe significant changes in the app's release notes. Continuing to use the app after a change means you accept the updated terms.

16Contact

Gamify Apps makes CashSpell. Questions, complaints or claims about the app or these terms can be sent to support@cashspell.com.