Terms & Conditions
1. Introduction
1.1 Spenderlog is provided by DVJ Insights ApS (CVR 38453041). Hereafter called "DVJ Insights".
1.2 By accepting these terms, you enter into an agreement with DVJ Insights, Ørestads Blvd. 73, 2300 Copenhagen.
1.3 The terms apply to all services provided by the online service Spenderlog.
2. User Account
2.1 Use of Spenderlog solely requires the creation of a user account with a valid email and password.
2.2 Use of Spenderlog is possible once these terms are accepted.
2.3 Some functionalities in Spenderlog require additional information, e.g., information about family type, housing, etc.
2.4 Upon the creation of a user account, a confirmation is sent to the provided email address.
2.5 DVJ Insights is entitled to close any Spenderlog user account without consent and without notice. The user may terminate their account without notice by requesting so at mail@spenderlog.com.
2.6 In case of suspicion of abuse, DVJ Insights may block the user account.
2.7 DVJ Insights is not liable for damages in cases where DVJ Insights closes the user account.
2.8 DVJ Insights may send emails to the user at the registered email address, as long as the user has not actively unsubscribed from these, cf. however, section 5 on marketing.
3. Services
3.1 Spenderlog offers a range of services related to the user's consumption/finances. The various services provide, alone or together, an overview of the user's habits/consumption and opportunities for change. DVJ Insights makes these services available to the user with their current content. DVJ Insights may change the content or functionality of these services without prior notice to users.
3.2 Spenderlog provides services that help users gain insight into their purchases, spending behaviour, nutrition, sustainability and other consumption-related information. To provide these services, Spenderlog may, at the user's request, retrieve purchase history, digital receipts and related purchase information from retailers that the user chooses to connect to the application. Spenderlog may retrieve this information using available technical methods, including user-authorised retailer connections, and direct retailer integrations where available.
3.3 Where the user explicitly enables this functionality through a separate authorisation step within the application (and not merely by accepting these Terms), the user authorises Spenderlog to act on the user's behalf when requesting purchase history and related purchase information from the retailers specifically identified to the user at the time the authorisation is given. During initial onboarding, a single authorisation may cover multiple retailers, provided that each retailer covered by the authorisation is clearly identified to the user before consent is given. If the user connects an additional retailer at a later stage, a separate authorisation will be requested for that retailer. The authorisation is solely intended to provide and improve the user's purchase overview and related services within Spenderlog and may be withdrawn at any time through the application settings. Enabling this functionality is optional and is not required to use a Spenderlog user account under section 2. This specific processing is carried out on the basis of the user's separate explicit consent, as further described in the Privacy Policy.
4. Payment
4.1 Spenderlog consists of a range of services. In its current version, all services are free. In the future, some services may require payment for use. It will be clear to the user if a part of the service requiring payment is used.
4.2 The application contains a module for user identification and the possibility for online payment. To use services that require payment, user identification must be completed, and the user must use a valid payment card. Transaction fees may apply for certain cards. The transaction fee is always displayed in the payment window.
4.3 It is DVJ Insights' responsibility to ensure that the paid services are available before payment is completed.
5. Marketing
5.1 If the user has consented to it upon creating their user account, DVJ Insights may electronically contact the user for marketing purposes of Spenderlog's services, including new or improved services. Such approaches can be made via email, SMS, MMS, or similar, using the user information provided by the user.
5.2 The user may at any time withdraw their consent to marketing by contacting mail@spenderlog.com.
6. User's Special Obligations
6.1 The user guarantees that the data provided by the user is correct and that providing data to DVJ Insights does not violate any current legislation or third-party rights.
6.2 The user is responsible for keeping information that provides access to Spenderlog confidential. Where the user has granted Spenderlog a specific authorisation under section 3.3 to retrieve data from a retailer on the user's behalf, Spenderlog will act strictly within the scope of that authorisation. In case of suspicion of abuse of the user account, DVJ Insights must be notified immediately.
6.3 The user guarantees that by using Spenderlog, they will not add indecent and punishable content as well as viruses, programs, and software that can damage the software and hardware of DVJ Insights, Spenderlog or other users.
6.4 The user guarantees that they will use Spenderlog in accordance with the guidelines described in these terms.
6.5 Any action in violation of the above is considered a significant breach of the agreement between DVJ Insights and the user, and DVJ Insights reserves the right to close the user's account.
7. Closing/Deleting a User Account
7.1 The user can at any time close their user account by contacting DVJ Insights at mail@spenderlog.com or by deleting the account directly in the Spenderlog app. All data relating to the user will then be permanently deleted from the user account and cannot be recreated. For further information on deleting user accounts, we refer to our privacy policy.
8. Disclaimer
8.1 Spenderlog is solely a service to support insight into and optimisation of consumption/finance. Any use of services, including the use of Spenderlog's optimisation suggestions, is therefore at the user's own risk. DVJ Insights does not guarantee that the user will achieve a specific result from using the service.
8.2 DVJ Insights cannot under any circumstances be held financially responsible for the use, or lack of use, of Spenderlog or the functions within it (optimisation suggestions etc.)
8.3 DVJ Insights cannot be held liable for damages resulting from operational failures, breakdowns, closures, or planned maintenance of Spenderlog. This applies regardless of whether the closure or planned maintenance occurs after prior notification of users. Services are thus provided "as is" and with their content at any given time.8.4 It is wise to store important receipts, such as warranty receipts, in several places. DVJ Insights cannot under any circumstances be held financially responsible for lost returns/warranties of products.
9. Collection and Disclosure of Data
9.1 DVJ Insights collects and processes personal data about the users. You can read more about our use of personal data in our privacy policy.
9.2 The collection and storage of data follow current legislation.
9.3 Where the user has provided explicit authorisation, Spenderlog may request purchase history and related purchase information directly from the retailer or retailers specifically covered by that authorisation. Such information is processed solely for the purposes described in these Terms and the Privacy Policy.
9.4 Withdrawal of authorisation: The user may withdraw this authorisation at any time through the Spenderlog application. Withdrawal does not affect processing already carried out before the withdrawal.
10. Copyright
10.1 DVJ Insights holds the copyright to all Spenderlog's services. Upon creating a user account, the user only obtains the right to use Spenderlog's services, while all rights to the services as such belong to DVJ Insights.
11. Changes to Terms
11.1 DVJ Insights reserves the right to change these terms. To the extent changes affect users' rights, DVJ Insights will ensure that users have access to accept the amended terms. If the user does not wish to accept such amended terms, access to DVJ Insights' services will be terminated.
11.2 The latest version of the terms is available via the Spenderlog app and/or website.
12. Other Provisions
12.1 Any dispute between DVJ Insights and a user shall be settled under the laws of the country in which the user is using Spenderlog.
September 2026