By creating an account, signing in, or using Spika, you agree to these Terms and our Privacy Policy.
1. The service
Spika is a personal finance tracking tool — accounts and transactions, categories, precious-metal tracking, voice logging (“Spika Now”), notifications, market rates, and optional encrypted Google Drive backup. It's provided for personal, non-commercial use unless we agree otherwise in writing.
2. Who runs Spika
Spika is operated by an individual developer — there's no separate registered company yet. Contact: spika.support@gmail.com
3. Eligibility
You must be at least 13 (or the minimum age required where you live) and able to form a binding agreement. If you use Spika on someone else's behalf, you confirm you have authority to accept these Terms for them.
4. Your account
You're responsible for activity under your device and Google account — keep your credentials secure. Local features work without signing in; backup and restore require Google. A backup can only be restored on the same Google account, after you confirm the restore and enter your App Lock PIN — signing into Google alone won't restore it. See our Privacy Policy, Section 2.
5. Your data
You keep ownership of the information you enter. You grant us only the permission needed to run the app and to perform the backups you choose to enable. You're responsible for the accuracy of your data and for exporting or backing up anything you need before deleting the app.
6. Acceptable use
You agree not to:
- Misuse, disrupt, or reverse-engineer Spika, except where the law allows it
- Use Spika for unlawful activity or to store data you have no right to use
- Scrape, probe, or overload any related services
- Misrepresent your affiliation with Spika
7. Market rates and financial disclaimer
Metal prices, exchange rates, and similar figures shown in Spika are approximate and may be delayed, incomplete, or unavailable. Spika is not a bank, broker, investment advisor, tax advisor, or financial planner. Nothing in the app is investment, legal, or tax advice. Decisions you make with your money are yours alone.
8. Free service and future subscriptions
Spika is currently free. If we add paid subscriptions or premium features later: prices and benefits will be shown in the app before you buy, billing will be handled by Google Play (and other stores if we expand distribution), refunds and cancellations follow the store's rules unless the law requires otherwise, and we will not charge you without your explicit purchase confirmation.
9. Intellectual property
Spika's name, branding, design, code, and content (excluding your personal data) are owned by the operator or its licensors. You may not copy or redistribute them except as allowed by these Terms or applicable open-source licenses bundled with the app.
10. “As is” availability
Spika is provided “as is” and “as available.” Features may change, break, or be removed. We do not guarantee uninterrupted or error-free operation, exact market prices, or that backups will always succeed — network conditions, Google quotas, and device state can get in the way.
11. Limitation of liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages, or for losses arising from: reliance on displayed rates, failed backups or restores, unauthorized access to your Google account or unlocked device, device loss, or decisions you make using the app.
Our total liability for any claim relating to Spika will not exceed the greater of (a) the amount you paid us for Spika in the 12 months before the claim, or (b) a nominal amount, if you used only free features.
Some jurisdictions do not allow certain limitations; in those places, our liability is limited to the minimum permitted by law.
12. Ending your use
You may stop using Spika at any time by uninstalling it and, if you wish, signing out or removing backups from your Google account. We may suspend or stop offering Spika or specific features, with or without notice, when reasonably needed — abuse, legal risk, or project changes.
13. Changes to these Terms
We may update these Terms as the product evolves. The effective date above will change when we publish updates. Continued use after changes means you accept the new Terms.
14. Governing law
These Terms are governed by the laws applicable in the operator's country of residence, except where mandatory consumer protections in your country require otherwise. Those mandatory rights still apply.
15. Contact
spika.support@gmail.com — also see our Privacy Policy.