Terms of services
SPENT N TERMS OF USE
Agreement and acceptance
These terms and conditions, along with any agreements executed or accepted by you in connection with the Services, incorporated by reference (collectively, Terms), apply to you (you or Customer) when you decide to avail any of the Services of Spent N (Spent N, we, us or our) through the Spent N website, mobile application or any authorised digital surface (the App).
The term Services means closed-loop, in-app credit issued after eligibility, and the ability to spend that credit on bookings for hotels, food, bus tickets, train tickets, catering and services such as photographers, as described in these Terms and the Annexures.
Please read these Terms carefully before availing the Services. By creating an account, submitting an eligibility form, or completing a booking, you acknowledge that you have read and understood these Terms and agree to be bound by them without limitation or qualification. If you do not agree, do not use the Services.
What Spent N is not
Spent N is not a bank, not a prepaid wallet for cash-out, not a credit card issuer, and not a UPI app. Credit is spend-only. There is no withdraw path, no bank payout of unused credit, and no transfer of credit to another person or UPI ID.
Definitions
Applicant means a person who requests access to the Services or a credit grant.
Credit means a spend-only balance granted after eligibility, recorded on the Spent N ledger, usable only for eligible in-app bookings until expiry.
Copay means the amount you pay in-app when a booking price is higher than available Credit.
Partner means a hotel, restaurant, operator, caterer, photographer or other vendor listed in the App and settled by Spent N after fulfilment.
Capitalised words not defined here take their ordinary meaning under applicable Indian law.
Registration
You must register an account to use the App. Registration requires, among other things:
- A mobile number that belongs to you.
- An email address that belongs to you.
- Your name and other details we request for eligibility.
- A password or other login credential you keep secret.
We may add or remove Services, supported devices and versions at our discretion. Attempts to bypass device, version or access limits are unauthorised use.
Representations, warranties and undertakings
- You are at least 18 years of age. If you act for another person, you have authority to bind them to these Terms.
- You are not restricted by any legal or regulatory authority from using the Services.
- You will use the Services only for lawful purposes and only for bookings you are authorised to make.
- Eligibility, Credit grants and bookings are subject to verification. We may refuse, limit or reverse a grant or booking without creating a cash payout.
- You will keep account details, address and contact information current. We are not responsible if notices go to an outdated address.
- You will tell us immediately if your phone, SIM or login is lost or compromised, at hello@spentn.com.
- A valid booking or instruction originating from your logged-in account is treated as authorised by you.
Your information
By using the Services you authorise Spent N, including through service providers, to collect and verify information needed to assess eligibility, prevent fraud and complete bookings. Provide only true, current and complete information. If we cannot verify you, we may refuse, suspend or close access.
How we handle personal data is described in our Privacy Policy.
Fees
We may levy fees, convenience charges or Partner-related amounts shown at checkout. Copay is collected in-app. Unused Credit is not paid out to offset fees. If Copay fails, the booking may not confirm.
Communication
We may contact you through the App, SMS, email, phone or other channels you provide. Electronic messages are treated as received within 24 hours of sending. We may record support calls for quality and fraud control. Delivery depends on networks we do not control.
Access to your account
You are responsible for credentials and for activity on your account. Repeated failed logins may lock the App. We aim to keep the Services available, but we are not liable for downtime, network failure, device issues or events beyond our reasonable control.
Conduct on the App
- Do not use the App for unlawful or deceptive purposes.
- Do not create fake accounts or use another person's identity.
- Do not scrape, overload, reverse engineer or attack the App.
- Do not post or transmit content that is illegal, harmful, or that infringes another person's rights.
Unauthorised transactions
Register for SMS and email alerts where offered. Report suspected unauthorised access or bookings as soon as you notice them. Delay increases risk to you and to Spent N. Credit captured on a booking you authorised is not a cash dispute with the Partner; it is settled under the booking and Partner rules.
Proprietary rights
The App, branding, software and content we publish belong to Spent N or our licensors. You receive a limited, revocable licence to use the App for the Services. Feedback you send may be used by us without restriction or royalty.
Limitation of liability
To the extent permitted by law, Spent N is not liable for indirect, incidental or consequential loss, or for Partner fulfilment failures, travel disruption, or unavailability of listings. Our aggregate liability arising from the Services is limited to the Copay you paid for the specific booking giving rise to the claim, or one thousand rupees, whichever is higher, except where liability cannot be limited.
Indemnity
You will indemnify Spent N against claims arising from your breach of these Terms, inaccurate information, or unauthorised use of your account.
Changes, suspension and closure
We may change these Terms by posting an updated version on this page. Continued use after the update is acceptance. We may suspend or close an account for fraud risk, legal requirement, inactivity, or material breach. Closing an account does not convert unused Credit into cash.
Governing law and disputes
These Terms are governed by the laws of India. Courts at Hyderabad, Telangana have exclusive jurisdiction, subject to any mandatory consumer forum rights.
Contact and grievance
Write to hello@spentn.com for support or complaints. We will acknowledge and work through the issue in a reasonable time.
Last updated: 18 August 2026.
ANNEXURE I – CREDIT WALLET
Grant
After you complete eligibility, we may issue a Credit grant with a limit, allowed categories and an expiry. There is no score displayed — only a spendable limit. A rejection creates no balance.
Spend-only
Credit can be applied only at Spent N checkout for eligible bookings. It cannot be withdrawn, cashed out, transferred, gifted, or sent to a bank account or UPI ID.
Expiry
Unused Credit expires on the date shown in the wallet. Expired Credit is closed. It is not paid out.
Holds and capture
At checkout we may hold or capture Credit against the booking. After Partner fulfilment we settle the Partner in rupees. You do not pay the Partner from withdrawn Credit.
ANNEXURE II – BOOKINGS
All six categories share search, detail and checkout. Listing fields differ by category. A booking is a contract between you and the Partner on the terms shown before you confirm. Spent N facilitates payment using Credit and Copay.
- Hotels
- Food
- Bus tickets
- Train tickets
- Catering
- Photographers and similar services
Availability, price and taxes are as shown at the time you confirm. We may cancel a booking if payment fails, eligibility changes, or fraud controls require it. In that case captured Credit is released back to your ledger where the Partner rules allow.
ANNEXURE III – HOTELS
Hotel Credit is held at checkout and captured when the booking confirms, subject to the property's cancellation window. Check-in rules, occupancy and extras are set by the Partner. Unused Credit after a confirmed stay stays in the App only if a refund is due under Annexure VII.
ANNEXURE IV – FOOD
Food bookings use eligible Credit up to the bill shown in-app. Any gap is Copay. Tips, extras or amounts added after checkout may require additional Copay. Credit is not a restaurant gift card that can be cashed.
ANNEXURE V – BUS AND TRAIN
Tickets are issued in the App. Present the voucher as instructed. Operator delays, missed departures and change fees follow the operator's rules. Cancellations, if allowed, refund to Credit, not to a bank.
ANNEXURE VI – CATERING AND SERVICES
Event catering, photographers and similar services are booked on the ledger. Partners are paid by Spent N after fulfilment. Scope, date and deliverables are as listed. Change requests may change Copay. You spend Credit; vendors receive settlement from us.
ANNEXURE VII – REFUNDS AND CANCELLATIONS
When a booking is cancelled under Partner rules, captured Credit is released back to your Spent N ledger. It is not sent to your bank. If Copay was collected, we may refund Copay to the original in-app payment method where the processor allows, or credit an equivalent amount to your ledger.
Chargebacks that reverse Copay after a fulfilled booking may lead to account limits or recovery of the shortfall.
ANNEXURE VIII – COPAY
If the booking price exceeds available Credit, checkout applies Credit first and you pay the difference in-app as Copay. Copay is the only extra you pay inside the product. There is no EMI screen and no withdraw of the Credit portion.
ANNEXURE IX – ELIGIBILITY
Create an account, complete the eligibility form, and wait for review. We may request identity, address or other documents. Approval, limit and categories are at our discretion and may change if information is incomplete or risk changes. You can apply again later if your details change. Rejection does not create a balance.