Terms of Service

1. Agreement to terms

StackSpend ("we", "us", "our") operates the website stackspend.app and the StackSpend cloud and AI cost tracking platform (the "Service"). These Terms of Service ("Terms") constitute a legally binding agreement between you (or the organisation you represent) and StackSpend. By creating an account, accessing, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, you must not use the Service.

If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and "you" includes both you and the organisation.

2. Description of service

StackSpend provides a SaaS platform that aggregates, displays, and reports on cloud and AI provider cost and usage data. The Service connects to third-party providers (such as AWS, GCP, Azure, OpenAI, Anthropic, Cursor, GitHub, and Twilio) using credentials you supply, and retrieves billing and usage information on your behalf. We do not guarantee the accuracy, completeness, or timeliness of data received from those providers, and we are not responsible for their availability, pricing, or policies.

We may change, suspend, or discontinue any part of the Service at any time, with or without notice. We will use reasonable efforts to minimise disruption but are not liable for any such changes.

3. Account and eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Service. You are responsible for:

• Providing accurate registration and billing information
• Maintaining the security of your account credentials
• All activity that occurs under your account
• Ensuring that your use of the Service complies with applicable law and these Terms

You must notify us promptly of any unauthorised access to your account.

4. Acceptable use

You may use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable law, regulation, or third-party rights
• Use the Service to transmit malware, engage in unauthorised access, or interfere with the integrity or availability of the Service or any third-party systems
• Attempt to reverse engineer, decompile, or extract the source code of the Service (except to the extent permitted by applicable law)
• Resell, sublicense, or provide the Service to third parties as a standalone offering without our prior written consent
• Use the Service in a way that could harm, overburden, or impair our infrastructure or the experience of other users
• Scrape, harvest, or use automated means to access the Service beyond normal use via our supported interfaces

We may suspend or terminate your access immediately if we reasonably believe you have violated this section, without liability to you.

5. Your data and credentials

You retain ownership of the data you provide (including cost data retrieved from your connected providers). By using the Service, you grant us a limited licence to process, store, and display that data as necessary to provide the Service, as described in our Privacy Policy. You are solely responsible for ensuring that you have the right to connect each provider and to share the resulting data with us.

You are responsible for the security and appropriate use of any provider credentials (e.g. API keys, OAuth tokens) you supply. We use industry-standard encryption and access controls, but we are not liable for loss or misuse of credentials due to your actions, provider vulnerabilities, or circumstances beyond our reasonable control.

6. Intellectual property

We and our licensors own all right, title, and interest in and to the Service (including software, design, branding, and documentation). These Terms do not grant you any licence to our intellectual property except the limited right to access and use the Service in accordance with these Terms. You may not use our trademarks or branding without our prior written consent.

7. Payment and subscription

Paid plans are billed in advance (e.g. monthly or annually) via our payment processor, Stripe. You agree to provide current, complete payment information and to pay all fees when due. Failure to pay may result in suspension or termination of your account.

Unless otherwise stated, fees are non-refundable. We may change pricing with at least 30 days' notice; continued use after the effective date of a price change constitutes acceptance. If you do not agree to a price change, you may cancel before the change takes effect.

All amounts are in the currency indicated at the time of purchase. You are responsible for any applicable taxes (e.g. VAT, GST) unless we are required by law to collect them.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.

Cost and usage data displayed in the Service is derived from third-party providers and may be delayed, incomplete, or inaccurate. StackSpend is a reporting and aggregation tool only. We do not guarantee that the data reflects your actual bills or that it is suitable for accounting, tax, or compliance decisions. You should verify important figures with your providers and advisors.

Some jurisdictions do not allow the exclusion of certain warranties; in such cases, the above exclusions apply only to the extent permitted by law.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• IN NO EVENT SHALL STACKSPEND, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (including lost profits, loss of data, business interruption, or cost of substitute services) arising out of or related to these Terms or the Service, whether based on warranty, contract, tort (including negligence), strict liability, or any other theory, even if we have been advised of the possibility of such damages.
• OUR TOTAL AGGREGATE LIABILITY for any claims arising out of or related to these Terms or the Service shall not exceed the greater of (a) the amount you paid us in the twelve (12) months preceding the claim, or (b) one hundred US dollars (USD 100).

These limitations apply regardless of whether the claim is in contract, tort, or otherwise, and even if any remedy fails of its essential purpose. Some jurisdictions do not allow limitation of liability for certain damages; in such cases, our liability is limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless StackSpend and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms or applicable law; (c) your violation of any third-party rights; (d) any data or content you provide or that we process on your behalf; and (e) any dispute between you and a third party in connection with the Service. We reserve the right to assume the exclusive defence and control of any matter subject to indemnification by you, at your expense.

11. Third-party services

The Service integrates with third-party providers (cloud and AI vendors, payment processors, communication tools, etc.). Your use of those services is subject to their respective terms and policies. We are not responsible for the availability, accuracy, or conduct of any third-party service. We do not endorse and are not liable for any loss or damage arising from your use of or reliance on third-party services.

12. Termination

You may cancel your account at any time through the Service or by contacting us. We may suspend or terminate your access to the Service, with or without cause or notice, including for violation of these Terms, non-payment, or to protect the Service or other users.

Upon termination: (a) your right to use the Service ceases immediately; (b) we may delete or retain your data in accordance with our Privacy Policy and data retention practices. Sections that by their nature should survive (including disclaimers, limitation of liability, indemnification, and governing law) will survive termination.

We are not liable to you or any third party for any termination of your access.

13. Changes to terms

We may modify these Terms from time to time. We will post the updated Terms on this page and update the effective date. For material changes, we will use reasonable means to notify you (e.g. email or in-app notice) at least 30 days before the change takes effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service and cancel your account before the effective date.

14. General

• Entire agreement: These Terms, together with the Privacy Policy and any order or plan-specific terms, constitute the entire agreement between you and StackSpend regarding the Service and supersede any prior agreements.
• Severability: If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.
• No waiver: Our failure to enforce any right or provision does not waive that right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• Force majeure: We are not liable for any failure or delay due to circumstances beyond our reasonable control (e.g. natural disasters, war, pandemics, strikes, or failures of third-party infrastructure).

15. Governing law and disputes

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales. If you are a consumer in the EEA or UK, you may also have rights under mandatory consumer protection laws in your country of residence.

Nothing in these Terms limits your right to bring a claim in the courts of your country of residence where applicable law requires.

16. Contact

For questions about these Terms or the Service, contact us at:

Email: legal@stackspend.app

General inquiries: hello@stackspend.app