Terms of Service

1. Acceptance of Terms

By accessing or using Cashflow (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not use the Service. These Terms form a legally binding agreement between you and Cashflow.

2. Eligibility

You must be at least 13 years old to use the Service. By creating an account, you represent and warrant that you meet this age requirement and that the information you provide is accurate and complete.

3. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use of your account. Cashflow is not liable for any loss or damage arising from your failure to secure your account.

4. Description of Service

Cashflow is a personal finance tracking tool that scans your Gmail inbox for transaction-related emails (such as receipts, payment confirmations, and bank alerts), extracts transaction details, and categorises them for display within the app. The Service does not connect to your bank accounts and does not execute financial transactions.

5. Third-Party Services & Integrations

The Service integrates with third-party services that are not owned or controlled by Cashflow. By using the Service, you also agree to comply with the terms and policies of these third parties where applicable.

• Google Gmail API:The Service accesses your Gmail account via the Gmail API to scan for transaction-related emails. Your use of this integration is subject to Google's Terms of Service and the Google API Services User Data Policy.
• OpenAI:Transaction merchant names are sent to OpenAI's API for classification. Use of this feature is subject to OpenAI's terms and policies.
• PostHog & Sentry: We use PostHog for anonymised product analytics and Sentry for error monitoring.
• Supabase: Account data is stored with Supabase, which provides authentication and database services.

Cashflow is not responsible for the availability, accuracy, or practices of any third-party service. Your use of third-party services is at your own risk.

6. AI-Assisted Classification Disclaimer

The Service uses artificial intelligence (OpenAI) to classify transactions based on merchant names. These classifications are provided as a convenience and may be inaccurate, incomplete, or miscategorised. You should review classifications and correct any errors. Cashflow makes no warranty as to the accuracy of AI-generated categorisations, and you should not rely on them for financial, tax, or legal decisions.

7. User Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your data. You consent to the data practices described in the Privacy Policy by using the Service.

8. Subscriptions & Payments

Cashflow offers both free and paid subscription tiers. Paid subscriptions are billed on a recurring monthly basis. By subscribing to a paid tier, you authorise us to charge your payment method each billing period.

You may cancel your subscription at any time through the in-app customer portal. Cancellation takes effect at the end of the current billing period — you will retain access to paid features until that date. We do not provide refunds or credits for partial billing periods. We reserve the right to change our subscription fees upon reasonable notice.

9. Intellectual Property

The Service and all associated materials — including the Cashflow name, logo, design, software, and content — are the exclusive property of Cashflow and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial purposes. You may not copy, modify, distribute, reverse engineer, or create derivative works based on the Service.

10. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to gain unauthorised access to any part of the Service, other accounts, or related systems.
• Interfere with or disrupt the Service, its servers, or its underlying infrastructure.
• Use the Service to process data belonging to a third party without their consent.
• Resell, sublicense, or commercially exploit the Service without our prior written consent.

11. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your account if you breach these Terms, if your account is inactive for an extended period, or for any other reason at our sole discretion. Upon termination, your right to use the Service ceases immediately. Data stored locally on your device is not affected by account termination and must be deleted separately.

12. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. Cashflow does not warrant that the Service will be uninterrupted, error-free, or free of harmful components. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

Cashflow is a tracking tool — not a financial advisor, accountant, or tax professional. Information displayed in the app does not constitute financial advice. Always verify transaction data against your official bank statements and consult a qualified professional before making financial decisions.

13. Limitation of Liability

To the fullest extent permitted by law, Cashflow and its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or goodwill — arising out of or in connection with your use of the Service, whether based on warranty, contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to the Service shall not exceed the amount you have paid us in the twelve (12) months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless Cashflow and its owners, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your breach of these Terms, or your violation of any third-party rights or applicable laws.

15. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law principles. Any dispute arising out of or in connection with these Terms shall first be resolved through good-faith negotiation. If negotiation fails, the dispute shall be referred to the exclusive jurisdiction of the courts of Singapore.

16. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email or through the app. Your continued use of the Service after any changes take effect constitutes acceptance of the updated Terms. The date at the top of this page indicates when it was last revised.

17. Contact

For questions about these Terms, please contact us at [email protected].