The agreement, in plain English.

1. Who you're agreeing with

"SpendPace", "we", "us", and "our" refer to Have Faith Inc., a corporation registered in Canada. "You" means the person using the SpendPace mobile app and this website.

By creating an account or using the app, you agree to these terms. If you don't agree, please don't use SpendPace.

2. What SpendPace is

SpendPace is a payday-aware spending speedometer. You tell us your pay schedule and what's already committed to bills and savings; we calculate what's safe to spend until your next payday. We don't connect to your bank, we don't move money on your behalf, and we don't hold funds.

SpendPace is not a registered financial institution, money services business, investment advisor, broker-dealer, or insurance provider. We are a calculator with a memory.

SpendPace is not financial advice. The numbers in the app are math based on what you've entered. They are not a recommendation to spend or not spend. Use your judgement.

3. Your account

You need an account to use SpendPace. You're responsible for keeping access to your sign-in method (email, Apple ID, or Google account) secure. We won't ask for your sign-in credentials and we recommend you turn on the Face ID lock in Settings.

You can delete your account at any time from inside the app. Deletion is permanent — we have no way to recover the data after.

4. Subscription & billing

SpendPace is free for the first 14 days. After the trial, continued access to premium features requires an auto-renewing subscription.

Plans and pricing

• Monthly — $3.99 CAD/month. Access to all SpendPace features for one month from the date of purchase.
• Annual — $29.99 CAD/year. Access to all SpendPace features for one year from the date of purchase.

Prices may change. If they do, we'll notify subscribers in-app and by email before the change takes effect, and you'll have the option to cancel before being billed at the new price.

How Apple handles your subscription

Subscriptions are sold and billed by Apple through the App Store. By starting a subscription, you agree to the following terms required by Apple:

• Payment will be charged to your Apple ID at confirmation of purchase.
• Your subscription will automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period, at the same rate as the previous period (Monthly: $3.99 CAD, Annual: $29.99 CAD), unless we have notified you of a price change in advance.
• You can manage your subscription and turn off auto-renewal at any time by going to your Account Settings after purchase (iOS Settings → Apple ID → Subscriptions).
• No cancellation of the current subscription is allowed during the active subscription period; cancellation takes effect at the end of the current billing period.
• Any unused portion of the 14-day free trial will be forfeited when you purchase a subscription.

Refunds are handled by Apple, not by Have Faith Inc. To request a refund, visit reportaproblem.apple.com.

If you cancel, the app stays installed and your data stays in your account, but premium features become read-only at the end of your current billing period until you resubscribe.

5. Acceptable use

Please don't:

• Use SpendPace to do anything illegal or to harm anyone else.
• Try to reverse-engineer, decompile, or extract our source code.
• Attempt to access another user's account or data.
• Send us deliberately malformed requests, run automated scrapers against our infrastructure, or otherwise interfere with the service.

We can suspend or terminate accounts that break these rules.

6. Your content

The financial information you enter into SpendPace (pay schedule, bills, expenses, etc.) is yours. You grant us a non-exclusive, worldwide, royalty-free license to store, process, and display this data back to you, solely for the purpose of operating SpendPace. We are not granted ownership of your data, and we will not use it to train models, sell to third parties, or build advertising profiles.

7. Service availability & changes

We try to keep SpendPace running 24/7 but can't promise uninterrupted service. We may have to take the app down briefly for maintenance, security patches, or bug fixes. We'll do our best to time outages thoughtfully and to communicate them in-app or via email.

Product features will evolve. We may add, remove, or change features over time. We won't remove or break features you've paid for during your current billing period without offering a refund of the unused portion.

8. Apple's role

Apple is not a party to these terms. Apple's relationship with you regarding SpendPace is governed by Apple's own terms — including the Apple Media Services Terms and Conditions and Apple's Standard End User License Agreement. Apple has no obligation to provide maintenance or support for SpendPace.

Apple and its subsidiaries are third-party beneficiaries of these terms and have the right to enforce them against you. You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.

9. Disclaimers

SpendPace is provided "as is" and "as available". To the maximum extent allowed by law, we disclaim all warranties — express, implied, statutory, or otherwise — including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the app will be uninterrupted, error-free, or that the calculations will always be correct. The "safe to spend" number is math based on the inputs you provide; if those inputs are wrong, the number will be wrong.

10. Indemnification

You agree to indemnify and hold Have Faith Inc. harmless from any claim or demand made by a third party arising out of your breach of these terms, your violation of any law, or your infringement of any third-party right.

11. Limitation of liability

To the maximum extent allowed by law, our total liability to you for any claim arising out of or relating to SpendPace will not exceed the amount you paid us in the 12 months preceding the claim.

We will not be liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost data, or business interruption — even if we've been advised of the possibility of those damages.

12. Governing law & disputes

These terms are governed by the laws of the Province of Quebec, Canada, without regard to its conflict-of-laws rules. You and we agree to first try to resolve any dispute by emailing [email protected]. If we can't, the dispute will be resolved in the courts of Quebec, Canada.

13. Changes to these terms

If we change these terms in a material way, we'll email registered users and surface a notice in the app at least 30 days before the changes take effect. Continued use after that date means you accept the new terms. The current version always lives at spendpace.ca/terms.html.

14. Contact

Have Faith Inc. · Canada
[email protected]