Terms of Service

1. What SpendDown Is

SpendDown ("we," "our," "the site") is a product recommendation service that helps FSA and HSA account holders discover eligible products. We are not a retailer, financial advisor, tax advisor, or benefits administrator. All purchases are made through third-party merchant websites. We do not process payments, hold funds, or administer benefits accounts.

2. Eligibility Information Disclaimer

The eligibility classifications on this site are based on publicly available IRS guidelines (Publication 502) and SIGIS Eligible Product List criteria. They are provided for informational purposes only and should not be considered tax advice, legal advice, or a guarantee of eligibility under your specific plan.

FSA and HSA eligibility can vary by plan, employer, and administrator. You should always verify eligibility with your plan administrator before making a purchase. SpendDown is not responsible for declined transactions, IRS inquiries, or any financial consequences resulting from purchases based on our classifications.

3. Affiliate Relationships

SpendDown earns revenue through affiliate relationships with retailers. When you click a product link and make a purchase, we may receive a commission at no additional cost to you. Affiliate relationships do not influence our eligibility classifications. See our affiliate disclosure for more details.

4. No Financial Advice

Nothing on this site constitutes financial, tax, or legal advice. We provide product eligibility information to help you make informed purchasing decisions. For advice specific to your tax situation, consult a qualified tax professional. For questions about your specific plan, contact your benefits administrator.

5. Accuracy and Updates

We make reasonable efforts to keep eligibility classifications and product information accurate and up to date. However, IRS rules can change, product formulations can change, and prices fluctuate. We do not guarantee the accuracy, completeness, or timeliness of any information on this site. Product prices displayed are approximate and may differ from the current price on the merchant's website.

6. Limitation of Liability

SpendDown is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we disclaim all liability for any damages arising from your use of the site, reliance on our eligibility classifications, or purchases made through affiliate links. This includes but is not limited to declined FSA/HSA transactions, incorrect eligibility information, and price discrepancies.

7. Email Communications

By providing your email address, you consent to receive deadline reminder emails and product recommendations. You can unsubscribe at any time using the link in every email. We comply with the CAN-SPAM Act and process unsubscribe requests within 24 hours.

8. Changes to Terms

We may update these terms from time to time. The "last updated" date at the top reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the updated terms.

9. Contact

Questions about these terms: legal@spenddown.com