Speakance Terms of Use

Last updated: May 23, 2026

These Terms of Use govern your use of Speakance, including the iOS app and related web pages. By using Speakance, you agree to these terms.

Use of the app

Speakance is provided as a tool for capturing and organizing personal expenses through voice, text, manual entry, widgets, Live Activities, notifications, exports, backups, subscriptions, and related ledger, report, and insights features. You are responsible for reviewing entries and verifying financial records.

Accounts

You are responsible for maintaining the confidentiality of your email/password credentials, Apple account access, and any device where you stay signed in. You are responsible for activity that occurs under your account.

Data accuracy

Parsing and categorization features may be automated and may make mistakes. Users should review and correct entries as needed, including subscription-generated charge drafts and reconciliation status, especially before relying on exported files, trip reports, summaries, or dashboards for tax, reimbursement, accounting, or financial decisions.

Notifications, widgets, and device features

Widgets, Live Activities, Dynamic Island controls, microphone capture, Speech Recognition, and notifications depend on device settings, OS permissions, network conditions, and Apple platform behavior. These features may be unavailable or behave differently depending on your device, iOS version, and settings. Direct widget recording requires microphone access and Live Activities to be enabled.

AI usage limits

Voice and text parsing may be subject to daily limits and short-term rate limits. Manual entry remains available when AI capture is unavailable, paused, or rate-limited.

Subscriptions and recurring charges

Subscription tracking is provided as an organizational aid. You are responsible for confirming due charges, skipped charges, canceled subscriptions, payment methods, and next-charge dates before relying on them.

Reports and trip summaries

PDF reports, CSV exports, trip summaries, converted summary estimates, and other analytics are provided for convenience. You are responsible for checking date ranges, filters, currencies, reconciliation status, and included raw capture text before sharing or relying on exported files.

Exports and backups

Speakance may let you export PDF reports, CSV files, or JSON backups and import backups. You are responsible for storing, protecting, validating, and restoring exported files carefully. Exported and backup data may include reconciliation status, queued captures, recently deleted items, subscriptions, and metadata. Imported backups can overwrite local app data.

Acceptable use

You agree not to use Speakance to violate applicable law, interfere with service operation, attempt unauthorized access, or abuse usage limits.

Availability

The service may change, be interrupted, or be updated over time. Features may vary by version.

Termination

We may suspend or terminate access to the service if required for security, abuse prevention, legal compliance, or service maintenance.

Disclaimer and limitation

Speakance is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim warranties and are not liable for indirect, incidental, or consequential damages arising from use of the service.

Contact

Questions about these terms: support@speakance.app.