SpendBuster Terms of Service
version 1.0, effective from 01 Nov 2025
1. Introduction
These terms govern the use of the SpendBuster service (the “Service”) operated by Zdeněk Šavlík – SpendBuster, ID 76633519, Březina 179, 338 24 Březina (the “Provider”). They define the rights and obligations between the Provider and any person using the Service (the “User”).
2. Service description
SpendBuster lets Users record, categorize, and analyse personal expenses and subscriptions. The Service is available as Free (no charge) and Premium (paid). The full feature list is shown in the Pricing section.
The Service does not provide financial or investment advice and makes no guarantees regarding how Users use the data in their decision making.
3. User account
Registration creates an account. An email address and country are required. Users must protect their credentials and are responsible for any misuse.
The Provider is not liable for data loss or damage caused by unauthorized access that results from User negligence (e.g. shared password).
The Provider may terminate an account without compensation if these terms are breached, especially when the Service is abused (fake accounts, automated bulk actions, harmful content, activities that disrupt functionality or security). If possible, the User will be notified by email.
4. Inactive accounts
The Provider may delete a user account that is long-term inactive and does not have an active Premium subscription, to optimise the Service and protect personal data. An account is considered inactive if no actions related to keeping financial records have been performed for 12 months.
The User will be informed about the planned deletion by email at least 14 days in advance.
Deleting the account results in loss of all stored data, except data that must be retained for legal reasons.
5. Premium membership
Premium membership is provided after payment according to the current price list. Activation unlocks extended features (exports, notifications, reports, etc.). Access starts when the payment is settled and lasts for the chosen period.
The Provider may offer Premium membership for a limited time free of charge (“Premium Trial”). During a Premium Trial, Users may see ads. A Premium Trial does not automatically convert into paid Premium after it ends.
6. Right of withdrawal
EU consumers may withdraw from the contract within 14 days of activating Premium membership if the service has not been provided yet. By activating Premium before the end of the period the User agrees that the service is provided immediately and waives the right to withdraw.
7. Payment terms
Payments are processed by third-party gateways. The Provider does not store payment details. For payment issues or chargebacks contact info@spendbuster.com.
Comgate payment gateway
Online payments for SpendBuster are processed by Comgate, a.s.. SpendBuster does not store card details and does not share them with other parties.
Available payment methods
Card payments (Visa, Mastercard): Payments are completed on the secure Comgate gateway with 3D Secure verification. After finishing the payment you are redirected back to the app with an immediate confirmation. More details (CZ): card payments.
Bank buttons / online transfers: After selecting your bank you confirm a prefilled payment order in internet banking. Once confirmed, the payment is approved instantly and you are redirected back. More details (CZ): bank transfers.
Auto-renewal
During purchase the User can enable automatic renewal. If enabled, the next payment is charged on the last day of the current membership period using the selected payment method. Auto-renewal can be turned off anytime in My memberships → Payments; turning it off stops future renewal attempts while the already-paid period remains active until its end.
Payment support contacts
Comgate, a.s.Gočárova třída 1754 / 48b, Hradec Králové
E-mail: platby-podpora@comgate.cz
Tel: +420 228 224 267
8. Liability
The Service is provided “as is”. The Provider is not liable for any data loss or decisions made using the Service’s data.
9. Privacy
Personal data is processed according to the Privacy Policy.
10. Marketing & targeted ads
Users may optionally consent to receiving commercial messages and to using their activity data (expense categories, country, account type, etc.) for ad personalization. Consent can be withdrawn in the profile or by email.
11. Support
If you have a question or need help, please check our FAQ section first, where you will find answers to the most common questions.
If you cannot find the answer in the FAQ, you can contact us via email at info@spendbuster.com. We usually respond within two business days.
12. Termination
The Provider may discontinue the Service. Users will be notified at least 30 days in advance.
13. Changes to these terms
The Provider may update these terms at any time. The new version becomes effective once published on the website. Users are informed of material changes via email.
14. Governing law
These terms are governed by Czech law and take effect on 01 Nov 2025.