Terms of Use

Last Updated: December 3, 2025

These Terms of Use ("Terms") govern your access to and use of the Cashflow Manager mobile application (the "App") provided by Cashflow Inc ("we," "us," or "our"). By downloading, installing, or using the App, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the Cashflow Manager App, you acknowledge that you have read, understood, and agree to be bound by these Terms, including our Privacy Policy. If you do not agree to these Terms, please do not use the App.

2. Subscription Plans and Pricing

Cashflow Manager offers multiple subscription tiers designed to meet your business needs, ranging from a Free Plan to premium monthly subscriptions including Starter, Essential, Professional, Business, and Enterprise plans.

2.1 Plan Features

Each paid subscription plan includes:

Access to advanced financial management features
Increased limits for businesses, members, books, and transactions
Additional storage for attachments and CSV imports
Higher-tier plans offer unlimited features and dedicated support

For detailed pricing and feature comparisons, please visit the pricing section within the App or contact our support team.

2.2 Free Trial

Most paid subscription plans include a 14-day free trial for eligible new subscribers. During the trial period, you can access the full features of your selected plan at no cost. If you do not cancel before the trial ends, you will automatically be charged for the first billing cycle.

2.3 Currency and Pricing

Subscription prices are displayed in your local currency based on your App Store region. Prices may vary by region and are subject to change with reasonable notice. The exact pricing for each plan is available in the App and at the time of purchase through your respective app store (Apple App Store or Google Play Store).

3. Auto-Renewal Subscription Terms

3.1 Automatic Renewal

IMPORTANT: All paid subscription plans (Starter, Essential, Professional, Business, and Enterprise) are automatically renewing subscriptions. By subscribing to any paid plan, you authorize us to charge your payment method on a recurring monthly basis until you cancel.

3.2 Billing Cycle

Subscriptions are billed monthly from the date of initial purchase
Your subscription will automatically renew at the end of each billing cycle
You will be charged the then-current subscription price unless you cancel before the renewal date
The exact renewal date is available in your App Store account settings

3.3 Free Trial Period

Eligible paid plans include a 14-day free trial for new subscribers:

The free trial begins when you subscribe to an eligible plan
You will not be charged during the free trial period
If you do not cancel before the trial ends, you will automatically be charged for the first billing cycle
Free trials are available only once per user and cannot be combined with other offers
We reserve the right to determine eligibility for free trials

3.4 Payment Authorization

By subscribing, you:

Authorize automatic charges to your payment method on file with Apple App Store or Google Play Store
Acknowledge that subscription charges are non-refundable except as required by applicable law
Agree to maintain valid payment information in your store account
Understand that failed payments may result in service interruption or termination

4. Platform-Specific Billing Terms

4.1 Apple App Store Subscriptions

For users subscribing through the Apple App Store:

End User License Agreement (EULA)

BY PURCHASING A SUBSCRIPTION THROUGH THE APPLE APP STORE, YOU EXPLICITLY AGREE TO THIS END USER LICENSE AGREEMENT (EULA) AND ACKNOWLEDGE THE FOLLOWING:

Auto-Renewal: Your subscription will automatically renew unless cancelled at least 24 hours before the end of the current period
Renewal Charges: Your Apple account will be charged for renewal within 24 hours prior to the end of the current period
Price Display: The renewal cost will be clearly identified in your account settings
Subscription Management: You can manage and cancel your subscriptions by going to your Apple Account Settings after purchase
Cancellation: You may turn off auto-renewal at any time from your Apple Account Settings, but you must do so at least 24 hours before the end of the current period to avoid being charged

How to Cancel Apple Subscriptions:

Open the Settings app on your iOS device
Tap your name at the top
Tap Subscriptions
Select Cashflow Manager
Tap Cancel Subscription

Alternatively, manage subscriptions at: https://apps.apple.com/account/subscriptions

Apple Store Terms Apply:

Your use of the App through Apple devices is also governed by Apple's Licensed Application End User License Agreement and Terms of Service.

4.2 Google Play Store Subscriptions

For users subscribing through the Google Play Store:

Auto-Renewal: Your subscription will automatically renew at the end of each billing cycle unless cancelled
Renewal Charges: Your Google Play account will be charged within 24 hours prior to the end of the current period
Subscription Management: You can view, manage, and cancel subscriptions in your Google Play Store account settings
Cancellation: You must cancel before the renewal date to avoid being charged for the next period
Refunds: Google Play refund policies apply; refund requests should be submitted through the Google Play Store

How to Cancel Google Play Subscriptions:

Open the Google Play Store app on your Android device
Tap the Menu icon (three horizontal lines)
Tap Subscriptions
Select Cashflow Manager
Tap Cancel Subscription

Alternatively, manage subscriptions at: https://play.google.com/store/account/subscriptions

Google Play Terms Apply:

Your use of the App through Android devices is also governed by Google's Terms of Service and applicable Google Play policies.

5. Cancellation and Refunds

5.1 Cancellation Policy

You may cancel your subscription at any time before the next renewal date
Cancellation takes effect at the end of the current billing period
You will retain access to paid features until the end of your current billing period
No partial refunds are provided for unused time in the current billing period
After cancellation, your account will revert to the Free plan at the end of the paid period

5.2 Refund Policy

General Rule: All subscription fees are non-refundable except as required by applicable law
Free Trial: If cancelled during the free trial period, you will not be charged
Platform Refunds: Refund requests must be submitted through the respective platform (Apple or Google)
Apple: Submit refund requests at https://reportaproblem.apple.com
Google: Submit refund requests through Google Play Store support
Discretionary Refunds: We may, at our sole discretion, provide refunds on a case-by-case basis

5.3 Account Termination

We reserve the right to suspend or terminate your account and access to the App if:

You violate these Terms
You engage in fraudulent activity
Your payment method fails repeatedly
We discontinue the service (with reasonable notice)

6. Service Modifications and Interruptions

6.1 Service Changes

We reserve the right to:

Modify, suspend, or discontinue any part of the App at any time
Change subscription prices with at least 30 days' notice to existing subscribers
Add or remove features from any subscription tier
Modify plan limits with reasonable notice

6.2 No Warranty

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

Uninterrupted or error-free service
Accuracy or reliability of data
Fitness for a particular purpose
Non-infringement of third-party rights

7. Data Usage and Privacy

Your use of the App is subject to our Privacy Policy. By using the App, you consent to our collection, use, and disclosure of your information as described in the Privacy Policy.

7.1 Data Ownership

You retain ownership of all financial data you enter into the App
We do not claim ownership of your business data
You grant us a license to process your data to provide the service
You are responsible for maintaining backups of your important data

7.2 Data Retention After Cancellation

Upon subscription cancellation or account deletion, your data is retained according to our Privacy Policy
You may request data deletion by contacting us at privacy@cashflowmanager.app
Some data may be retained for legal or business purposes as outlined in our Privacy Policy

8. Acceptable Use

You agree not to:

Use the App for any illegal purpose or in violation of any laws
Attempt to gain unauthorized access to our systems or other users' data
Upload malicious code, viruses, or harmful content
Reverse engineer, decompile, or disassemble the App
Use the App to transmit spam or unsolicited communications
Impersonate others or provide false information
Resell or redistribute the App or its content without authorization

9. Intellectual Property

9.1 Ownership

The App, including all content, features, functionality, and intellectual property rights, is owned by Cashflow Inc and is protected by copyright, trademark, and other laws.

9.2 License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal or internal business purposes.

10. Limitation of Liability

To the maximum extent permitted by law:

Cashflow Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the App
Our total liability for any claims shall not exceed the amount you paid for the App in the 12 months preceding the claim
Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you

11. Indemnification

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

Your use of the App
Your violation of these Terms
Your violation of any third-party rights
Your violation of applicable laws or regulations

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of your jurisdiction of residence, without regard to conflict of law principles.

12.2 Arbitration

Any disputes arising from these Terms or the App shall be resolved through binding arbitration, except where prohibited by law. You waive the right to participate in class action lawsuits.

12.3 Exceptions

Either party may seek injunctive relief in court for intellectual property infringement or unauthorized access.

13. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated through:

In-app notification
Email to your registered address
Notice on our website at https://cashflowmanager.app/terms-of-use

Your continued use of the App after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you must cancel your subscription and stop using the App.

14. Contact Information

For questions, concerns, or support regarding these Terms or your subscription:

Terms & Billing Email: support@cashflowmanager.app
Privacy Inquiries: privacy@cashflowmanager.app
General Support: https://cashflowmanager.app/contact
Response Time: We aim to respond within 7 business days

Cashflow Inc
Providing transparent and reliable financial management tools.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cashflow Inc regarding the App and supersede all prior agreements and understandings.

By using the Cashflow Manager App and subscribing to any paid plan, you acknowledge that you have read, understood, and agree to these Terms of Use, including the auto-renewal subscription terms for Apple App Store and Google Play Store billing.