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Terms of Service

Last updated: May 19, 2026. These Terms of Service (“Terms”) govern your access to and use of the SpendClear web application (the “Service”) operated by Bacenik LLC (“we,” “us,” “our”). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

SpendClear helps you understand modeled purchase impact from information you supply. The Service provides educational guidance based on transparent, rule-based scenarios. It does not provide financial, legal, tax, investment, or banking advice, and it does not tell you whether to complete a purchase.

2. Pilot release

The Service is offered as a pilot. Features may change, and availability is not guaranteed. There are no user accounts, bank connections, or payment processing in this release unless we state otherwise in-product.

3. Your responsibilities

  • Provide information you believe is reasonably accurate for your situation
  • Use the Service only for lawful purposes and in accordance with these Terms
  • Not misrepresent outputs as professional advice, credit decisions, or guaranteed outcomes
  • Maintain security of the devices and browsers where your local data is stored

4. Privacy

Our collection and use of information is described in the Privacy Policy. By using the Service, you acknowledge that policy.

5. Intellectual property

We own the Service, including software, design, and documentation, except for content you provide. You receive a limited, non-exclusive, revocable license to use the Service for personal, non-commercial purposes during the pilot unless we agree otherwise in writing.

6. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUTS WILL BE ERROR-FREE OR THAT USE WILL RESULT IN SAVINGS OR SPECIFIC OUTCOMES.

See the Financial disclaimer for additional product limitations.

7. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BACENIK LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (USD $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

8. Indemnity

You agree to indemnify and hold harmless Bacenik LLC from claims arising from your misuse of the Service, violation of these Terms, or violation of applicable law, except where prohibited by law.

9. Termination

You may stop using the Service at any time. We may suspend or discontinue the Service or these Terms with notice where reasonable. Sections that by nature should survive (including disclaimers, limitations, and governing law) will survive termination.

10. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles, except where mandatory consumer protection laws in your country of residence require otherwise.

Before filing a claim, you agree to contact us at info@bacenik.com so we can try to resolve the concern informally.

11. Changes

We may update these Terms. The “Last updated” date will change, and continued use after material changes constitutes acceptance where permitted by law.

12. Contact

Questions about these Terms: info@bacenik.com.