Last updated: October 21, 2026
Welcome to Spot-Ya
These Terms of Service ("Terms") are an agreement between you and Vinyan Technologies LLC ("we," "our," or "us"). Spot-Ya is a platform owned and operated by Vinyan Technologies LLC. These Terms govern your use of Spot-Ya, including the Spot-Ya.com website, the Spot-Ya mobile application, and any related services (collectively, the "Services"). By creating an account or using the Services, you agree to these Terms. If you do not agree, please do not use Spot-Ya.
Our Services
Spot-Ya is a technology platform that helps individuals create, manage, and track informal SPOT agreements between trusted people. Spot-Ya is not a lender or bank. We provide agreement and tracking tools and do not provide legal, tax, or credit counseling advice. Payment services, when available, are subject to the applicable payment-provider terms and disclosures. Spot-Ya does not make lending decisions, guarantee repayment, or participate in agreements between users.
Website and Launch Updates
The website provides information about Spot-Ya and allows visitors to contact us and request launch updates. A launch signup does not create an app account, guarantee access, or authorize a payment. December 15, 2026 is the planned launch date; availability may change.
Eligibility
You must be at least 18 years old and legally able to enter into binding agreements to use Spot-Ya. By creating an account, you represent that the information you provide is accurate and complete.
User Accounts
You are responsible for maintaining the security of your account and login credentials. You agree to notify Spot-Ya immediately if you believe your account has been compromised or used without authorization.
SPOT Agreements
Spot-Ya provides tools that allow users to create, manage, and track SPOT Agreements between trusted individuals. Spot Agreements are intended to document the terms accepted by the participating users, including the amount, repayment schedule, due dates, extensions, and other agreed-upon conditions. Depending on applicable law and the circumstances of the transaction, a Spot Agreement may serve as evidence of the parties' agreement in the event of a dispute or legal proceeding. Spot-Ya is not a party to any Spot Agreement and does not guarantee repayment, enforce agreements, provide legal advice, or participate in disputes between users.
Manual Tracking
Spot-Ya allows users to create and manage SPOTs regardless of how funds or value are exchanged. Users may manually record payments, partial payments, or agreed exchanges made by cash, check, bank transfer, third-party payment services, goods, services, or other mutually accepted forms of value. Spot-Ya records the information entered by users but does not independently verify the accuracy of manually entered transactions.
Payments
Payment features are subject to availability, eligibility, verification, and the applicable provider’s terms and disclosures presented before use. A SPOT Agreement or reminder alone does not authorize a debit from your bank account. Any payment or recurring debit requires the applicable authorization. Payment timing, limits, fees, returns, reversals, and any account arrangements will be disclosed for the payment service you select. Contact info@spot-ya.com promptly about a suspected payment error or unauthorized activity. Nothing in these Terms limits rights or remedies that cannot be waived under applicable law.
Fees and Optional Features
Any applicable subscription, platform, extension, or payment-service charges will be disclosed before you accept them. Recurring charges require the applicable consent. Billing frequency, renewal, cancellation, and refund terms will be presented with the offer. Do not assume that a feature or plan described on the website is available before it is offered to you.
Electronic Records and Notices
We may provide service notices and records electronically through the app or the email address you provide. Keep your contact information current and retain copies of agreements and notices. Where a separate electronic-signature or electronic-delivery consent is required for a feature, it will be presented before that feature is used. Launch-marketing consent is separate from payment authorization and service notices.
User Conduct
You agree not to:
• Use Spot-Ya for illegal or fraudulent purposes.
• Misrepresent your identity.
• Harass or threaten other users.
• Attempt unauthorized access to the platform.
• Upload malicious software or harmful content.
• Violate applicable laws or regulations.
Spot-Ya reserves the right to suspend or terminate accounts that violate these Terms.
Intellectual Property
The Spot-Ya name, logo, trademarks, software, graphics, content, and platform are the property of Vinyan Technologies LLC or its licensors and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or reproduce any portion of the Services without written permission.
Disclaimer of Warranties
Spot-Ya is provided on an "as is" and "as available" basis. We make no guarantees regarding uninterrupted service, repayment of SPOT agreements, or the actions of other users.
Limitation of Liability
To the fullest extent permitted by law, Spot-Ya shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Spot-Ya is not responsible for disputes between Spotters and Spotees.
Changes to These Terms
We may update these Terms from time to time. Updated versions will be posted on Spot-Ya.com with a revised Effective Date. Continued use of the Services constitutes acceptance of any updates.
Contact Us
Questions regarding these Terms may be submitted to Vinyan Technologies LLC at info@spot-ya.com or through the Contact Us page on Spot-Ya.com.
Last updated: October 21, 2026
Welcome to Spot-Ya. At Spot-Ya, protecting your privacy is just as important as protecting the trust between Spotters and Spotees. Spot-Ya is a platform owned and operated by Vinyan Technologies LLC. This Privacy Policy explains how Vinyan Technologies LLC ("we," "our," or "us") collects, uses, stores, and protects your information when you visit Spot-Ya.com, use the Spot-Ya mobile application, or interact with any related services (collectively, the "Services"). By using our Services, you agree to the practices described in this Privacy Policy.
Website Contact and Launch Signups
Our contact form collects your name, email address, selected subject, and message. Launch signup forms collect your email address and your agreement to receive launch updates. Submissions are sent to info@spot-ya.com and handled through our website and email hosting providers. We use contact details to respond to inquiries and signup details to send the launch updates you requested. To stop launch updates, reply to an update or email info@spot-ya.com. Please do not submit passwords, bank account details, or payment card information through these forms.
Website Technical Information
The website uses browser session storage to remember whether the launch popup has been shown during your session. The form handler uses an IP-derived temporary identifier to limit repeated submissions. Our hosting provider may process connection and server-log information to deliver and protect the website.
App Features and Availability
The app-related practices below apply when the corresponding feature is available and used. A website visit or launch signup does not itself collect the full set of app-account and transaction information described below. Additional notices or permissions will be presented where applicable.
Information We Collect
Depending on how you use Spot-Ya, we may collect information including:
• Your name
• Email address
• Mobile phone number
• Date of birth
• Profile photo
• Username
• Device information
• IP address
• Browser and operating system information
• App usage information
• Network connections you choose to add within Spot-Ya
If you create SPOTs or use certain features, we may also collect information related to SPOT Agreements, SPOT history, payment schedules, extension requests, activity in optional features you use, and messages or communications within the platform.
Identity Verification
To help maintain a trusted community, Spot-Ya may require users to verify their identity before accessing certain features. Identity verification may be performed through trusted third-party providers. Spot-Ya only collects information necessary to help prevent fraud, protect users, and maintain platform integrity.
Payment Information
Spot-Ya facilitates agreements between users but is not a lender or financial institution. Payments may be processed through secure third-party payment providers. Spot-Ya does not store complete payment card information on its servers.
Contacts and Permissions
With your permission, Spot-Ya may access your device contacts to help you connect with people already using the platform. You may revoke this permission at any time through your device settings.
Location Information
Certain features may request access to your device's location to improve functionality. Location services are optional and may be disabled through your device settings.
Notifications
Spot-Ya may send email, SMS, and push notifications regarding SPOT activity, payment reminders, extension requests, account security, identity verification, product updates, and service announcements. Security and transactional notifications cannot always be disabled.
Cookies and Analytics
Cookies or similar technologies may be used for the corresponding service features, such as maintaining sessions, remembering preferences, or protecting account security. The current launch-popup preference uses session storage as described above. Where additional analytics or optional technologies require notice or consent, we will provide it before their use.
How We Use Your Information
We use your information to create and manage accounts, facilitate SPOT Agreements, process transactions, verify identities, detect fraud, provide customer support, communicate updates, improve the platform, and comply with applicable laws.
Sharing Your Information
Spot-Ya does not sell your personal information. We may share information only with identity verification providers, payment processors, cloud hosting providers, customer support providers, analytics providers, or government authorities when required by law.
Data Security
We use commercially reasonable administrative, technical, and physical safeguards to protect your information. While no system is completely secure, we continuously work to safeguard the information entrusted to us.
Data Retention
We retain your information only as long as necessary to provide our Services, comply with legal obligations, resolve disputes, enforce agreements, and protect the platform.
Your Privacy Choices
Depending on applicable law, you may request access to, correction of, or deletion of your personal information, manage communication preferences, or request a copy of your personal data.
Children's Privacy
Spot-Ya is intended for users who are at least 18 years of age. We do not knowingly collect personal information from anyone under 18.
Changes to This Privacy Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised Effective Date.
Contact Us
For privacy questions or requests, contact Vinyan Technologies LLC at info@spot-ya.com or through the Contact Us page at Spot-Ya.com. We may request information to verify your identity before responding to an account-related request.
