In using Personal Spendings, you are deemed to have read and agreed to the following terms and conditions.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements:

  • "Client", “You” and “Your” refers to you, the person accessing this website and accepting Personal Spendings’s terms and conditions.
  • "Personal Spendings", “Ourselves”, “We” and "Us", refers to Personal Spendings.
  • “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves.
Privacy Statement

Personal Spendings is committed to protecting your privacy. Only authorized employees within Personal Spendings use any information collected from individual customers on a need to know basis. We constantly review our systems and data to ensure the best possible service to our customers.


Client records are treated as confidential and will not be shared with any third party. We will not sell, share, or rent your personal information to any third party or use your e-mail address for unsolicited mail. Any emails sent by Personal Spendings will only be in connection with the provision of agreed services and products.

Exclusions and Limitations

The information on Personal Spendings is provided on an "as is" basis. To the fullest extent permitted by law, Personal Spendings:

  • excludes all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or Personal Spendings’s literature; and
  • excludes all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised this Company of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages.
Eligibility of Subscription

Personal Spendings may be used by anyone. Some services provided by Personal Spendings require that you create an Account with Us. You may not hold more than one (1) Account in connection with Your use of Personal Spendings. We reserve the right to close Your Account(s) if You open multiple Accounts.


Personal Spendings is free to join and provides basic functionality to all users. Premium Services are available as paid services. Payment methods include Neteller, Skrill and Paypal and may be changed at any time. In case Premium Services are used, a monthly recurring subscription fee will be billed from the subscription date, until cancelled in writing via email to or cancelled by the user within their account.

Cancellation Policy

You can cancel your account at any time by emailing your request to or by cancelling within your account.

Termination of Agreements and Refunds Policy

Both the Client and Personal Spendings have the right to terminate any Services Agreement for any reason, including the ending of services that are already underway. No refunds shall be offered. Service begun and/or underway are active and require a payment to Personal Spendings, regardless if that user has used the website in any way. If the Client cancels the service during a month, no refund shall be awarded, however the Client will have complete access to the paid services until that month’s subscription has ended, at which time the user will have access to the free subscription at no charge.


All information provided by You and recorded on Personal Spendings' database is managed with care. However, we cannot guarantee this information will be always available. Personal Spendings does not warrant that the service from this site will be uninterrupted, timely or error free, although it is provided to the best ability. Personal Spendings provides tools to perform backups of key information, including "accounts" and "transactions" and strongly recommends you to perform regular backups. By using this service, you thereby indemnify Personal Spendings, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused. Redistribution or republication of any part of this site or its content is prohibited without the express written consent of Personal Spendings.

Browsing information

We use IP addresses to analyze trends and gather demographic information. Additionally, for troubleshooting purposes, our web servers can automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within Personal Spendings on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission. Like most interactive web sites, Personal Spendings uses cookies to enable us to retrieve user details for each visit. Some of our affiliate partners may also use cookies.

Links to this website

You may create links to any page of this website provided you inform us in advance and we do not deny your request. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Links from this website

We do not monitor or review the content of other party's websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

Copyright Notice

Copyright and other relevant intellectual property rights exist on all text relating to Personal Spendings's services and the full content of this website.


Our contact information can be found on our Contact Us links on our website or via Company literature.

Force Majeure

Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, Political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavors to comply with the terms and conditions of any Agreement contained herein.


Failure of either Party to insist upon strict performance of any provision of this or any Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.


By accessing this website and using our services, you consent to these terms and conditions and to the exclusive jurisdiction of the Uruguay courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of Personal Spendings to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorized representatives of Personal Spendings.

Notification of Changes

Personal Spendings reserves the right to change these conditions from time to time. Your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers’ Personally Identifiable Information, notification by e-mail or postal mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our web site 30 days prior to these changes taking place. You are therefore advised to re-read this statement on a regular basis.

These terms and conditions form part of the Agreement between the Client and ourselves. Your accessing of this website indicates your understanding, agreement to and acceptance, of the Disclaimer Notice and the full Terms and Conditions contained herein. © Personal Spendings, All Rights Reserved