These Terms of Service govern your use of the website located at https://app.spendflo.com and any related services provided by Spendflo.
By accessing https://app.spendflo.com, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by Spendflo.
We, Spendflo, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.
These Terms of Service were last updated on 9 June 2021.
By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not:
The intellectual property in the materials contained in this website are owned by or licensed to Spendflo and are protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial transitory use.
This constitutes the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by Spendflo at any time.
You retain your intellectual property ownership rights over content you submit to us for publication on our website. We will never claim ownership of your content, but we do require a license from you in order to use it.
The license you grant us can be terminated at any time by deleting your content or account. However, to the extent that we (or our partners) have used your content in connection with commercial or sponsored content, the license will continue until the relevant commercial or post has been discontinued by us.
Our website and the materials on our website are provided on an 'as is' basis. To the extent permitted by law, Spendflo makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.
In no event shall Spendflo or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the materials on this website, even if Spendflo or an authorized representative has been notified, orally or in writing, of the possibility of such damage.
In the context of this agreement, “consequential loss” includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity, or otherwise.
Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
The materials appearing on our website are not comprehensive and are for general information purposes only. Spendflo does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.
Spendflo has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval, or control by Spendflo of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.
We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.
Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.
These Terms of Service are governed by and construed in accordance with the laws of CA, United States. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
Data Breach Policy
A data breach is generally taken to be a suspected breach of data security of personal data which may lead to unauthorised or unlawful processing, accidental loss, destruction of or damage to personal data.
Process to handle Data Breach
Should an incident of data breach occur, Spendflo will take all remedial actions to lessen the harm or damage. The following action plan will be implemented:
Immediate gathering of essential information relating to the breach
Spendflo will promptly appoint dedicated personnel to be in charge of the investigation and process. The dedicated personnel shall promptly gather the following essential information:
Are there any methods to recover any losses and limit the damage the breach may cause?
The dedicated personnel may consider designating an appropriate individual / team (‘the coordinator’) to assume overall responsibility in handling the data breach incident, such as leading the initial investigation, informing relevant parties regarding the breach and what they are expected to do to assist in the containment exercise and the subsequent production of a detailed report on the findings of the investigation. The coordinator may need to report and synchronise with different functional divisions / departments / units and escalate the matter to senior management so that remedial actions and executive decisions can be made as soon as possible.
Assessing the risk of harm
Some data security breaches will not lead to risks beyond possible inconvenience, an example is where a laptop is irreparably damaged, but its files were backed up and can be recovered. While these types of incidents can still have significant consequences, the risks are very different from those posed by, for example, theft or identity fraud.
Each data breach will follow the risk assessment process below:
Contacting the interested parties, containment and recovery
Once the risk has been assessed, the dedicated personnel in charge will take actions to stop the breach and if necessary this may involve law enforcement agencies i.e. police.
The following containment measures will be followed:
Notification of breaches
Spendflo appreciates the distress such incidents can cause. We endeavour to keep the data subject abreast with the investigation and remedial actions. In case of a personal data breach, without undue delay and where feasible we aim to notify the data subject within 72 hours of becoming aware of the breach.
It is important not only to investigate the causes of the breach but also to evaluate procedures taken to mitigate possible future incidents. Spendflo attempts to learn from the experience, review how data collected is being handled to identify the roots of the problem, allow constant review to take place and to devise a clear strategy to prevent future recurrence.
The review will take into consideration: