Terms
What Tendd does, what it does not do, and what we each agree to.
Last updated 23 September 2026.
What Tendd is
Tendd keeps one list of what you pay for: what it costs, how often it repeats and when it is next due. The list is built from the recurring charges your bank reports, from what you type in yourself, or from both.
- Tendd is read-onlyIt cannot move your money. The bank connection has no permission to, and we never ask for one.
- Tendd cannot cancel anything for youCancelling happens at the service. Tendd shows you where to go and what to say.
- Tendd is not financial adviceIt is a record of what you signed up for. The decisions stay yours.
What the list is worth
Tendd finds what your bank reports as a repeating charge. Something paid another way, or too new to have repeated yet, will not appear, and you can add it yourself.
Your bank's own record is the one that counts. Your list is a clear view of what you are paying for, and it is not a statement.
Your account
Your account is reached by your email address, so anyone who can open your email can open Tendd as you. Keep it safe.
Everything Tendd holds for you is yours to download or to remove, at any time, on Data and privacy.
Free and Tendd Pro
Adding subscriptions yourself is free and unlimited. Connecting a bank and seeing every name the first scan finds is Tendd Pro.
Tendd Pro is not on sale yet. There is no price, no card and no charge anywhere in Tendd today, and these terms will say how paying works before you are ever asked for money.
The bank connection
Banks are connected through Plaid. You enter your bank details with Plaid and never with us, their terms cover that part, and you can disconnect a bank whenever you want, on Your sources.
When Tendd does not work
Tendd is young, and it will sometimes be down, late or wrong. We do not promise it is always available or always complete, and we cannot take on what a missed charge costs you. What we do promise is the read-only limit above, which is enforced in the code and not only written here.
Ending it
You can delete everything at any time, and nothing is kept back: no copy, no archive.
We can close an account that is being used to break the law or to damage Tendd for other people, and we will tell you why.
When these terms change
The date at the top of this page is the day it last changed. If a change affects what you get or what you pay, we will tell you by email before it takes effect.
Who runs Tendd
Tendd is run by one person and not by a company. There is no business registered behind it yet, and when there is, this page will name it.
Write to privacy@tendd.co about anything on this page: what Tendd holds about you, how to get a copy of it, how to remove it, or a sentence here that does not match what you see. One person reads that address.