Terms & Conditions

Spread Terms and Conditions
Last updated: 3 July 2025

These terms and conditions ("Terms") govern your access to and use of the Spread website (https://spread.finance) and the Spread software-as-a-service platform ("Service"), operated by Spread Software Ltd ("we", "us", "our").

By using our website or subscribing to the Service, you agree to be bound by these Terms. If you do not agree to them, do not use our website or Service.

1. Use of the Service

You must be at least 18 years old and authorised to enter into contracts to use Spread. You agree to use the Service only for lawful purposes and in accordance with these Terms.

We may suspend or terminate access if we believe you are in breach of these Terms or any applicable law.

2. Subscriptions and Payments

Access to Spread is subject to a paid subscription unless otherwise stated. Pricing is listed on our website or within the Xero App Store.

Payments are processed via Stripe, and by subscribing you agree to Stripe’s terms. Subscriptions renew automatically unless cancelled before the end of the current billing cycle.

3. Your Responsibilities

You are responsible for:

Ensuring your login credentials remain confidential.
Providing accurate and up-to-date account and billing information.
Using Spread in compliance with all applicable laws and regulations.

4. Intellectual Property

Spread and its contents are owned by Spread Software Ltd or its licensors. You may not copy, reproduce, distribute or create derivative works without our written permission.

5. Availability

We aim to provide reliable service but do not guarantee 100% uptime. We may suspend access for maintenance, updates, or issues beyond our control.

6. Disclaimer and Limitation of Liability

The Service is provided on an "as is" and "as available" basis. We make no warranties, express or implied, and disclaim all liability for damages arising from your use of the Service, to the maximum extent permitted by law.

7. Termination

You may stop using Spread at any time. We reserve the right to suspend or terminate your access without notice if we believe you have breached these Terms.

8. Changes to These Terms

We may update these Terms occasionally. Continued use of the Service constitutes your acceptance of any changes. We will notify you of material updates via email or via the dashboard.

9. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

If you have any questions about these Terms, contact us at: privacy@spread.finance.