These terms and conditions (the 'Terms') govern the use of Spendo's SMS and WhatsApp telecommunication services (the 'Services'). By using the Services, you agree to be bound by these Terms.

Spendo reserves the right to modify or terminate the Services for any reason, without notice, at any time.

Spendo will not be liable for any losses or damages incurred as a result of using the Services.

You are solely responsible for the content of any messages or communications sent through the Services.

You agree to comply with all applicable laws and regulations when using the Services.

Spendo reserves the right to terminate or suspend your access to the Services if you violate these Terms or engage in any illegal or fraudulent activity.

Spendo may collect, use, and share your personal information in accordance with our Privacy Policy.

These Terms are governed by the laws of the state of California, and any disputes arising out of or in connection with these Terms will be resolved in the courts of California.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

These Terms constitute the entire agreement between you and Spendo with respect to the Services, and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and Spendo.