Terms of Service

1. Introduction and Acceptance

Welcome to Cashflow!

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Cashflow ("we," "us," or "our") governing your use of our expense tracking application and services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not access or use the Service. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Service

Cashflow is an expense tracking and financial management application that helps users organize and analyze their financial transactions. Our Service includes:

• Email Integration: Connection to your Gmail account via OAuth to read transaction-related emails under specific labels you designate
• Transaction Parsing: Automated extraction and categorization of transaction information from your emails
• AI-Powered Categorization: Integration with OpenAI to convert transaction details into Merchant Category Codes (MCC) and provide spending insights
• Dashboard and Analytics: Visual representations of your spending patterns, trends, and financial activity
• Email Accounts Management: Tools to manage and add email filters, which will in turn manage specific bank or credit card related emails in your linked email account.
• Bank Account/Credit Card Tracking: Tools to track your bank and credit card transactions.

Important: Cashflow does NOT directly connect to your bank accounts or credit cards. We only access email notifications from your financial institutions that you have configured to be sent to your Gmail account.

3. Regional Availability and Restrictions

Important: Cashflow is designed and intended primarily for users in Singapore. Our Service is optimized for Singapore-based financial institutions, banks, and credit card providers.

3.1 Geographic Restrictions

By using this Service, you represent and warrant that you are located in Singapore or are a Singapore resident. The Service may not be available, suitable, or compliant with the laws and regulations of other countries or regions.

3.2 No Support for Other Regions

We do not currently support users outside of Singapore. This includes but is not limited to:

• Limited or no support for transaction email formats from non-Singapore financial institutions
• No guarantees of compatibility with banks, credit cards, or financial services outside Singapore
• Service features and parsers tailored specifically to Singapore institutions
• Customer support provided in Singapore time zone and context

3.3 Compliance with Local Laws

If you access the Service from outside Singapore, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. We make no representation that the Service is appropriate or available for use in locations outside Singapore.

4. Account Registration and Security

4.1 Account Creation

To use our Service, you must create an account by authenticating with Google OAuth. You must provide accurate, current, and complete information during registration and keep your account information updated.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality and security of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized access or security breach
• Ensuring your Gmail account remains secure, as it is the gateway to your financial data

4.3 Account Eligibility

You must be at least 18 years old to use this Service. By creating an account, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

5. Gmail Integration and Data Access

5.1 OAuth Authorization

Our Service uses Google OAuth 2.0 to access your Gmail account. When you connect your Gmail account, you grant us permission to:

• Read emails under specific labels that you configure for transaction tracking
• Access email metadata such as sender, subject, and date
• Create and manage email filters/labels for organizing transaction emails

5.2 Scope Limitations

We will ONLY access:

• Emails that match your configured labels and filters
• Transaction-related emails from financial institutions
• Email content necessary to extract transaction details

We do NOT access your personal emails, contacts, or any emails outside the specific labels you designate for expense tracking.

5.3 Revoking Access

You may revoke our access to your Gmail account at any time through your Google Account settings or by disconnecting the email account within our Service. Upon revocation, we will cease accessing new emails, but previously processed data will remain in your account until you delete it.

5.4 Google API Compliance

Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

6. AI Integration and Data Processing

6.1 OpenAI Integration

We use OpenAI's services to analyze transaction descriptions and convert them into standardized Merchant Category Codes (MCC). This processing helps categorize your expenses accurately.

6.2 Data Sent to OpenAI

When processing transactions, we may send the following information to OpenAI:

• Transaction merchant names
• Transaction descriptions
• Transaction amounts (in anonymized form)

We do NOT send personally identifiable information, complete account numbers, or sensitive financial credentials to OpenAI.

6.3 AI Accuracy Disclaimer

AI-powered categorization and insights are provided for convenience and may not always be 100% accurate. You are responsible for reviewing and verifying all transaction categorizations and making manual adjustments as needed. We are not liable for any decisions made based on AI-generated categorizations or insights.

7. User Obligations and Acceptable Use

7.1 Your Responsibilities

You agree to:

• Use the Service only for lawful purposes and personal expense tracking
• Maintain accurate and up-to-date account information
• Review and verify all transaction data for accuracy, as our Service relies on email parsing
• Properly configure your bank and credit card email notifications to send to your designated Gmail account
• Keep your Gmail account secure and use strong authentication methods
• Comply with all applicable laws and regulations regarding financial data

7.2 Prohibited Activities

You agree NOT to:

• Use the Service in any way that violates any applicable federal, state, local, or international law
• Attempt to gain unauthorized access to any portion of the Service, other users' accounts, or connected systems
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use any automated system to access the Service without our prior written consent
• Reverse engineer, decompile, or disassemble any part of the Service
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Use the Service to track or monitor financial data of others without authorization
• Resell, redistribute, or create derivative works from the Service
• Upload or transmit viruses, malware, or any other malicious code to the Service

8. Subscription Plans and Payments

8.1 Service Plans

Cashflow offers both free and paid subscription plans with varying features and limitations. Current plan details are available on our pricing page.

8.2 Billing and Payments

For paid subscriptions:

• Fees are billed in advance on a monthly or annual basis, depending on your chosen plan
• All fees are in U.S. Dollars unless otherwise stated and are non-refundable except as required by law
• You authorize us to charge your payment method for all fees incurred under your account
• If your payment fails, we may suspend or terminate your access to paid features

8.3 Free Trial

We may offer free trials for paid plans. At the end of the trial period, you will be automatically charged for the subscription unless you cancel before the trial ends.

8.4 Changes to Pricing

We reserve the right to modify our pricing at any time. We will provide at least 30 days' notice for any price increases affecting existing subscribers. Continued use of the Service after a price change constitutes acceptance of the new pricing.

8.5 Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period. We do not provide refunds for partial billing periods except as required by law or at our sole discretion.

9. Data Accuracy and Financial Disclaimers

9.1 No Financial Advice

Cashflow is a tool for tracking and organizing expenses. We do NOT provide financial, investment, tax, or legal advice. Any insights, suggestions, or recommendations provided by the Service are for informational purposes only and should not be relied upon as professional advice.

9.2 Data Accuracy

While we strive to accurately parse and categorize transaction data from your emails, we cannot guarantee 100% accuracy. Factors affecting accuracy include:

• Variations in email formats from different financial institutions
• Incomplete or ambiguous transaction descriptions
• Changes to email formats by financial institutions
• AI interpretation errors

You are solely responsible for verifying the accuracy of all transaction data and correcting any errors. We are not liable for any consequences arising from inaccurate data.

9.3 Not a Banking Service

Cashflow is NOT a bank, financial institution, or money services business. We do not:

• Hold, transfer, or transmit money
• Directly access your bank accounts or credit cards
• Store your banking credentials or card numbers (beyond last 4 digits)
• Provide FDIC insurance or similar protections
• Execute financial transactions on your behalf

9.4 Tax Reporting

While you may use Cashflow to organize expense data for tax purposes, we are not responsible for tax reporting accuracy or compliance. Consult with a qualified tax professional for tax advice.

10. Intellectual Property Rights

10.1 Our Intellectual Property

The Service and its original content, features, functionality, design, code, and underlying technology are and will remain the exclusive property of Cashflow and its licensors. The Service is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

10.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use.

10.3 Your Data

You retain all rights to your financial data and transaction information. By using our Service, you grant us a limited license to process, store, and analyze your data solely to provide and improve the Service.

10.4 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, worldwide, royalty-free license to use, modify, and incorporate such feedback without compensation or attribution.

11. Third-Party Services and Dependencies

11.1 Service Dependencies

Our Service relies on third-party services including but not limited to:

• Google OAuth and Gmail API for email access
• OpenAI API for AI-powered categorization
• Cloud hosting and infrastructure providers

11.2 Third-Party Changes

We are not responsible for changes, interruptions, or terminations of third-party services. If a third-party service becomes unavailable or changes its terms, we may need to modify or discontinue related features of our Service.

11.3 No Endorsement

References to third-party services do not constitute endorsements. Your interactions with third-party services are governed by their respective terms and privacy policies.

12. Service Availability and Modifications

12.1 Service Availability

We strive to provide reliable service but do not guarantee that the Service will be available at all times, uninterrupted, secure, or error-free. We may experience downtime for:

• Scheduled maintenance and updates
• Emergency repairs or security patches
• Third-party service outages
• Technical difficulties or unforeseen circumstances

12.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation of the Service.

12.3 Beta Features

We may offer beta or experimental features that are provided "as-is" without warranties. Beta features may be unstable, contain bugs, or be discontinued without notice.

13. Data Privacy and Security

13.1 Privacy Policy

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

13.2 Security Measures

We implement industry-standard security measures to protect your data, including encryption, access controls, and regular security audits. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

13.3 Data Breach Notification

In the event of a data breach that affects your personal information, we will notify you in accordance with applicable laws and provide information about the breach and steps to protect your data.

14. Termination

14.1 Termination by You

You may terminate your account at any time by deleting your account through the Service settings or by contacting us at [email protected].

14.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Non-payment of fees for paid subscriptions
• At our sole discretion to protect the Service or other users

14.3 Effect of Termination

Upon termination of your account:

• Your right to access and use the Service will immediately cease
• We will delete or anonymize your personal data within 30 days, as outlined in our Privacy Policy
• You remain responsible for any fees incurred prior to termination
• Provisions of these Terms that by their nature should survive will survive termination

14.4 Data Export

Before deleting your account, you may export your transaction data in a machine-readable format through the Service. We are not obligated to retain your data after account deletion.

15. Disclaimers and Limitations of Liability

15.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

WE DO NOT WARRANT THAT:

• The Service will meet your requirements or expectations
• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• All errors in the Service will be corrected
• The Service is free from viruses or other harmful components

15.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CASHFLOW, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, revenue, data, or use
• Loss of goodwill or business opportunities
• Business interruption
• Cost of procurement of substitute services
• Damages resulting from reliance on transaction data, AI categorizations, or financial insights
• Damages arising from unauthorized access to your account or data

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100 USD.

15.3 Basis of the Bargain

You acknowledge that we have set our prices and entered into these Terms in reliance upon the disclaimers and limitations of liability set forth herein, and that the same form an essential basis of the bargain between us.

16. Indemnification

You agree to indemnify, defend, and hold harmless Cashflow and its officers, directors, employees, agents, affiliates, and partners from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your breach of these Terms
• Your violation of any law or the rights of a third party
• Your negligence or willful misconduct
• Any dispute between you and any third party
• Unauthorized access to your account due to your failure to maintain security

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

17. Dispute Resolution and Arbitration

17.1 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us at [email protected]. We will attempt to resolve the dispute informally within 60 days.

17.2 Binding Arbitration

If we cannot resolve the dispute informally, any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the Singapore International Arbitration Centre (SIAC). The arbitration will be conducted in English and held in Singapore.

17.3 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Cashflow individually. To the full extent permitted by law, no arbitration or proceeding shall be joined with any other, and there is no right or authority for any dispute to be arbitrated on a class-action basis or in a purported representative capacity.

17.4 Exceptions

Either party may bring a lawsuit in court solely for injunctive relief to stop unauthorized use or abuse of the Service or infringement of intellectual property rights without first engaging in arbitration.

18. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Singapore, and the parties irrevocably consent to the personal jurisdiction and venue therein.

19. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will:

• Provide at least 30 days' notice before any new terms take effect
• Notify you via email or through a prominent notice in the Service
• Update the "Last updated" date at the top of this page

By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Service and may delete your account.

20. General Provisions

20.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the sole and entire agreement between you and Cashflow regarding the Service and supersede all prior understandings and agreements.

20.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

20.3 Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

20.4 Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice or consent.

20.5 Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

20.6 Notices

We may provide notices to you via email, in-app notifications, or by posting on our website. You consent to receive communications from us electronically. Notices to us should be sent to [email protected].

20.7 Export Control

The Service may be subject to U.S. export control laws and regulations. You agree to comply with all applicable export and re-export control laws and regulations.

20.8 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: ownership provisions, warranty disclaimers, indemnity, limitations of liability, dispute resolution, and general provisions.

21. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us at:

For privacy-related inquiries, please refer to our Privacy Policy.