By accessing spnd.io, you agree to these terms. If you do not agree, please do not use this site.

About Us

spnd.io is a financial tools and education platform operated by TheWebTeam.co LLC, a limited liability company registered in the State of Wyoming, USA. References to "we", "us", or "our" in these terms refer to TheWebTeam.co LLC.

Use of Tools

All calculators and tools on spnd.io are provided for informational and educational purposes only. Results are estimates based on the inputs you provide and standard financial assumptions. They do not constitute financial, legal, tax, or investment advice.

Always consult a qualified professional before making financial decisions.

Lead Submission

When you submit a "Get Help" form, you agree to be contacted by one pre-screened financial professional. You are not obligated to purchase any product or service. We do not guarantee any specific outcome from the professional introduction.

Professional Accounts

Professionals who register and purchase leads agree to:

  • Be properly licensed in their jurisdiction
  • Contact leads only in connection with the service they requested
  • Not resell leads to third parties
  • Comply with all applicable privacy and anti-spam laws (PIPEDA, CASL, CAN-SPAM, and any other applicable regulations)

Lead purchases are non-refundable unless the lead contact information is demonstrably invalid.

Intellectual Property

All content on spnd.io — including text, calculators, code, and design — is the property of TheWebTeam.co LLC. You may not reproduce or redistribute it without written permission.

Disclaimer of Warranties

spnd.io is provided "as is" and "as available" without warranties of any kind, either express or implied. TheWebTeam.co LLC does not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, TheWebTeam.co LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of spnd.io or reliance on any information or tools provided herein.

Governing Law

These terms are governed by and construed in accordance with the laws of the State of Wyoming, USA, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Wyoming.

Changes

We may update these terms at any time. Continued use of the site after changes are posted constitutes your acceptance of the revised terms.

Contact

Questions about these terms? Email us at hello@spnd.io.

TheWebTeam.co LLC — Wyoming, USA