Terms of Use

By downloading or using Spencio, you agree to these terms. Please read them carefully.

Use of the App

We grant you a limited, non-exclusive, non-transferable license to use Spencio for your personal, non-commercial purposes. You may not copy, modify, distribute, sell, or lease any part of the app or its content.

Spencio Premium

Spencio offers an auto-renewable subscription, Spencio Premium, which removes ads and unlocks Bank SMS Automation on iOS:

• Monthly Plan — $0.99/month, renews automatically each month.
• Yearly Plan — $6.99/year, renews automatically each year.

Payment is charged to your Apple ID or Google Play account at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscription in your Apple ID account settings (iOS) or Google Play subscriptions (Android). No refund is provided for the unused portion of the current subscription period upon cancellation, except as required by Apple's or Google's own refund policies.

Your Data

Spencio's financial data is stored on your device — we do not access, collect, or share your personal financial records. See our Privacy Policy for full details, including how Bank SMS Automation works on iOS.

Disclaimer

Spencio is provided "as is" without warranties of any kind. We are not responsible for any financial decisions you make based on information displayed in the app. Always verify important financial information independently.

Changes to These Terms

We may update these terms from time to time. Continued use of the app after changes are posted constitutes your acceptance of the updated terms.

Contact

Questions about these terms? Reach us at support@blocmind.com.