Version eula_2026_07_08. Effective July 8, 2026.
This End-User License Agreement governs access to and use of the SnapSpend software platform, including all associated APIs, AI models, OCR engines, extraction workflows, dashboards, credit systems, databases, documentation, and related services (collectively, the “Platform”). The Platform is owned and operated by Ardenuity, Inc. You may access the Platform either directly through an account registered with SnapSpend, or through an authorized reseller or distribution partner (“Reseller”) pursuant to a separate commercial agreement between you and the Reseller. In either case, this Agreement governs your right to access and use the Platform itself. By clicking “I Agree”, creating an account, or accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by this Agreement. If you do not agree, you must not access or use the Platform.
1. License Grant
SnapSpend grants End-User a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for lawful internal business purposes and in accordance with this Agreement. The Platform is licensed, not sold; no ownership rights are transferred to End-User. Access may be subject to usage credits, subscription limits, or transaction-based billing, as determined by SnapSpend or, where applicable, by the Reseller through whom access was obtained.
2. Restrictions
End-User shall not: reverse engineer, decompile, disassemble, or attempt to derive the source code, AI models, algorithms, architecture, or system design of the Platform; copy, modify, adapt, translate, or create derivative works based on the Platform; remove, obscure, or alter proprietary notices or trademarks; circumvent security controls, usage limits, or credit metering; use the Platform to build, train, or develop a competing product or service; use the Platform for unlawful, fraudulent, deceptive, or abusive purposes; access the Platform for benchmarking or competitive analysis without SnapSpend’s prior written consent; or upload data that infringes intellectual property, privacy, or other third-party rights, or that is unlawfully obtained. Any violation of this Section may result in immediate suspension or termination of access, in addition to any other remedies available to SnapSpend.
3. Intellectual Property
All intellectual property rights in the Platform — including software, AI models, OCR engines, databases, documentation, trademarks, and improvements — are owned exclusively by SnapSpend or its licensors. Nothing in this Agreement transfers any such rights to End-User. Any feedback or suggestions voluntarily provided by End-User regarding the Platform may be used by SnapSpend without restriction or compensation.
4. Data Processing and Privacy
Where End-User accesses the Platform through a Reseller, the Reseller acts as Data Controller with respect to End-User’s personal data, and SnapSpend acts as Data Processor, processing personal data on the Reseller’s documented instructions, in each case consistent with the Data Processing Addendum governing that relationship. Where End-User accesses the Platform directly through SnapSpend, SnapSpend’s Privacy Policy governs the processing of End-User’s personal data. End-User warrants that it has lawful authority to upload and process all data submitted to the Platform, including any personal data of third parties contained in receipts, invoices, or accounting records. SnapSpend implements administrative, technical, and organizational safeguards designed to protect data processed through the Platform, including encryption in transit, access controls, and monitoring for unauthorized access; no system can guarantee absolute security. SnapSpend does not use End-User’s uploaded documents or data to train its underlying AI models. Data may be processed or stored using infrastructure located outside the Philippines (including cloud hosting and AI service providers); SnapSpend implements safeguards consistent with the Data Privacy Act of 2012 (RA 10173) for any such transfer. SnapSpend will notify affected End-Users without undue delay upon becoming aware of a security incident involving their personal data, describing the nature of the incident, the categories of data affected, and mitigation steps taken. Questions regarding data processing may be directed to SnapSpend’s data protection contact at ezekiel@snapspend.ai.
5. AI Processing Disclosure
The Platform utilizes artificial intelligence and machine learning technologies, including OCR extraction and AI-based classification. AI-generated outputs may contain inaccuracies; SnapSpend does not guarantee error-free extraction or 100% accuracy in data processing. End-User is solely responsible for reviewing and validating extracted data prior to any regulatory filing (including BIR/tax reporting) or financial reporting use.
6. Disclaimers
The Platform is provided on an “as is” and “as available” basis and does not constitute accounting, tax, legal, or financial advice. To the maximum extent permitted by law, SnapSpend disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and uninterrupted operation. Unless expressly stated in a separately executed Service Level Agreement, SnapSpend shall not be liable for downtime or interruptions caused by third-party infrastructure providers, internet or power failures, force majeure events, cyberattacks, or other events beyond SnapSpend’s reasonable control.
7. Limitation of Liability
To the maximum extent permitted under Philippine law: SnapSpend shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages; SnapSpend’s total aggregate liability arising out of or relating to this Agreement shall not exceed the fees paid for access to the Platform in the one (1) month preceding the event giving rise to the claim; and SnapSpend shall not be liable for errors in uploaded documents, inaccurate inputs, or End-User misuse of the Platform. Nothing in this Agreement excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or willful misconduct.
8. Suspension and Termination
SnapSpend (or, where applicable, the Reseller) may suspend access for non-payment, security risk, legal violations, or breach of this Agreement. Upon termination: (a) the license granted herein immediately ceases; (b) access credentials may be disabled; and (c) data retention and deletion shall be handled in accordance with the applicable Data Processing Addendum or, for direct users, SnapSpend’s Privacy Policy.
9. Confidentiality
End-User shall not disclose non-public information relating to the Platform’s technology, performance, or security measures to any third party.
10. Indemnification
End-User agrees to indemnify and hold harmless SnapSpend (and, where applicable, the Reseller) from claims arising out of: unlawful data upload; regulatory violations; misuse of the Platform; or breach of this Agreement.
11. Export and Compliance
End-User shall comply with all applicable laws and regulations, including tax, accounting, and data privacy laws, in connection with its use of the Platform.
12. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the Republic of the Philippines. Any dispute shall be resolved in the proper courts of Manila, Philippines, unless otherwise agreed in writing by the parties.
13. Third-Party Beneficiary
Where End-User accesses the Platform through a Reseller, SnapSpend is an express third-party beneficiary of the End-User’s commercial agreement with that Reseller with respect to provisions protecting the Platform (including acceptable-use, IP, and confidentiality terms), and may enforce those provisions directly.
14. Modifications
SnapSpend may update this Agreement from time to time. Material changes will be notified through the Platform or by email. Continued use of the Platform after an update constitutes acceptance of the revised Agreement. If End-User does not agree to updated terms, it must discontinue use.
15. Entire Agreement
This Agreement constitutes the entire understanding between End-User and SnapSpend regarding use of the Platform and supersedes prior understandings relating thereto, except where End-User’s access is subject to a separate commercial agreement with a Reseller, in which case this Agreement governs solely the license to use the Platform itself.
Your use of the Platform is also governed by the SnapSpend Terms and Privacy Policy.