Terms & Conditions
1 Introduction
1.1 Spenderlog is provided by DVJ Insights ApS (CVR 38453041), hereinafter referred to as “DVJ Insights”.
1.2 By accepting these terms, you enter into an agreement with DVJ Insights, Ørestads Blvd. 73, 2300 Copenhagen.
1.3 These 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 address and password.
2.2 Use of Spenderlog is possible once these terms have been accepted.
2.3 Some functionalities within Spenderlog require additional information, such as information about family circumstances, housing situation, etc.
2.4 Upon creation of a user account, a confirmation will be sent to the email address provided.
2.5 DVJ Insights is entitled to close any Spenderlog user account without consent and without prior notice. The user may terminate their account without notice by submitting a request via mail@spenderlog.com.
2.6 In the event of suspected misuse, 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, provided that the user has not actively unsubscribed from such emails; however, see Section 5 regarding marketing.
3 Services
3.1 Spenderlog offers a range of services related to the user’s consumption/finances. The various services, individually or collectively, provide 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.
4 Payment
4.1 Spenderlog consists of a range of services. In the current version, all services are free of charge. In the future, fees may be charged for some services. It will be made clear to the user when a part of the service requiring payment is being used.
4.2 The application contains a module for user identification and the option to make online payments. To use services that require payment, user identification must be completed and the user must use a valid payment card. Transaction fees may apply to certain cards. The transaction fee will always be displayed in the payment window.
4.3 It is the responsibility of DVJ Insights to ensure that paid services are available before payment is completed.
5 Marketing
5.1 If the user has given consent when creating their user account, DVJ Insights may contact the user electronically for the purpose of marketing Spenderlog’s services, including new or improved services. Such communications may take place via email, SMS, MMS or similar means, using the information provided by the user.
5.2 The user may withdraw their consent to marketing at any time by contacting mail@spenderlog.com.
6 User’s Special Obligations
6.1 The user guarantees that the information provided by them is correct and that providing information to DVJ Insights does not violate applicable legislation or third-party rights.
6.2 The user is responsible for keeping information that provides access to Spenderlog confidential. However, the user is entitled, at their own risk, to share access information for Spenderlog if this is done for the purpose of granting a third party access to the user’s data in Spenderlog. In the event of misuse or suspected misuse of the account, DVJ Insights must be informed immediately. DVJ Insights is not liable for the consequences of any misuse of the user’s information if the user has granted third parties access to their data.
6.3 The user guarantees that, when using Spenderlog, they will not add indecent or criminal content, nor viruses, programs or software that may cause damage to the software or 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 will be considered a serious breach of the agreement between DVJ Insights and the user, and DVJ Insights reserves the right to close the user account.
7 Closing/Deleting a User Account
7.1 The user may close their user account at any time by contacting DVJ Insights via 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 recovered. For more information about deleting user accounts, please refer to our privacy policy.
8 Disclaimer
8.1 Spenderlog is solely a service intended to support insight into and optimisation of consumption/finances. Any use of the services, including the use of Spenderlog’s optimisation suggestions, is therefore entirely at the user’s own risk. DVJ Insights does not guarantee that the user will achieve any specific result through use of the service.
8.2 Under no circumstances can DVJ Insights be held financially liable for the use, or non-use, of Spenderlog or its functions (optimisation suggestions, etc.).
8.3 DVJ Insights cannot be held liable for damages resulting from operational disruptions, outages, closures or planned maintenance of Spenderlog. This applies regardless of whether the closure or planned maintenance takes place following prior notification to users. Services are therefore provided “as is” and with their content as available at any given time.
8.4 It is advisable to keep important receipts, such as proof of warranty, in multiple locations. Under no circumstances can DVJ Insights be held financially liable for lost product returns/warranties.
9 Collection and Disclosure of Data
9.1 DVJ Insights collects and processes users’ personal data. More information about our use of personal data can be found in our privacy policy.
9.2 The collection and storage of data is carried out in accordance with applicable legislation.
10 Copyright
10.1 DVJ Insights owns the copyright to all Spenderlog services. Upon creation of a user account, the user only obtains the right to use Spenderlog’s services, while all rights to the services as such remain with DVJ Insights.
11 Changes to the Terms
11.1 DVJ Insights reserves the right to amend these terms. To the extent that changes affect users’ rights, DVJ Insights will ensure that users are given the opportunity 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 most recent 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 in accordance with the laws of the country in which the user uses Spenderlog.
January 2026