These Terms of Service ("Terms") govern your use of Everybody Hates Spending ("EHS," "the app," "we," "our"). By accessing or using EHS, you agree to these Terms. If you do not agree, do not use the app.
EHS is a financial entertainment product. All verdicts, grades, roasts, and financial commentary are generated automatically by rules-based software and AI for entertainment purposes only. Nothing in this app constitutes financial advice, investment advice, tax advice, credit counseling, banking services, or any other regulated financial service. Do not make financial decisions based on anything EHS tells you.
The characters in EHS (Pops, Mr. Clinch, Grandma Gold, Baron Blue) are fictional. Their opinions are comedic content, not professional guidance.
You must be at least 13 years old to use EHS. By using the app, you represent that you meet this requirement. If you are between 13 and 18 (or the age of majority in your jurisdiction), you should review these Terms with a parent or guardian.
EHS functions without an account — all data is stored locally on your device by default. If you choose to create an account to enable Cloud Sync, you are responsible for maintaining the security of your credentials. You are responsible for all activity under your account.
You agree to use EHS only for lawful, personal, non-commercial purposes. You agree not to:
All content in EHS — including but not limited to the app name, character names and likenesses (Pops, Mr. Clinch, Grandma Gold, Baron Blue), roast text, verdicts, UI design, and source code — is owned by or licensed to the developer of EHS. You may not reproduce, distribute, or create derivative works from EHS content without prior written permission.
Your personal spending data belongs to you. We claim no ownership over the purchase records you enter into the app.
Some roast text may be enhanced by Google Gemini, a large language model. AI-generated content is provided for entertainment only. It may be inaccurate, nonsensical, or unexpectedly blunt. We are not responsible for the content of AI-generated responses.
EHS is currently in beta. This means:
EHS is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the app will be uninterrupted, error-free, or free of harmful components. Your use of the app is at your sole risk.
To the fullest extent permitted by applicable law, the developers of EHS shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — the app, including but not limited to financial losses resulting from decisions influenced by app content.
In no event shall our total liability to you exceed the amount you paid for the app in the twelve months preceding the claim (which, for a free app, is zero).
EHS may integrate with third-party services including:
Your use of these services is subject to their respective terms. We are not responsible for the practices of third-party services.
You may stop using EHS at any time. You can delete all locally stored data via Settings → Reset App Data. If you have a cloud account, you can delete it from Settings → Account.
We reserve the right to suspend or terminate access to the app for violations of these Terms or for any reason at our discretion.
We may update these Terms as the product evolves. We'll update the "Effective date" at the top when we do. Continued use of the app after an update constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in New York County, New York.
Questions about these Terms:
Email: sxabfcg@gmail.com
Website: everybodyhs.com
Everybody Hates Spending is a financial entertainment product. The characters, verdicts, and roasts in this app are fictional and for entertainment only. Nothing here is financial advice.