terms.

These Terms of Service govern your access to and use of cashbff (the "Service"). cashbff is a financial visibility tool. It is not a bank, broker, or investment adviser, and it does not provide regulated financial advice.

These Terms of Service (the "Terms") constitute a binding agreement between you ("User", "you", or "Subscriber") and cashbff ("cashbff", "we", "us", or "our"). By creating an account, accessing the Service, or otherwise using cashbff, you agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

Eligibility

The standard cashbff product is available only to individuals who are eighteen (18) years of age or older. Individuals under the age of eighteen (18) may access cashbff solely through the /school program, and only with the verified consent of a parent or legal guardian who agrees to these Terms on the minor's behalf and assumes responsibility for the account. The Service is not intended for, and may not be used by, any individual under the age of thirteen (13). By registering for an account, you represent and warrant that you satisfy the foregoing eligibility requirements.

The Service

Subject to these Terms, cashbff provides Users with the following functionality: (i) read-only synchronization of bank account information through Plaid Inc. ("Plaid"), under which cashbff does not access, store, or process the User's online banking credentials; (ii) a calendar-based interface for viewing balances and cash flow over time; (iii) the ability to schedule planned expenses and other forecasted entries; and (iv) automated detection of recurring charges and subscriptions for the purpose of cash flow forecasting. The Service additionally generates a structured snapshot of the User's financial data for use by the User within artificial-intelligence assistants. Through the cashbff Model Context Protocol ("MCP") integration, Users may, at their discretion, connect compatible third-party AI assistants such as Anthropic Claude or OpenAI ChatGPT in order to query their own data within those assistants.

cashbff endeavors to present accurate information; however, all values displayed within the Service are derived from one or more of the following sources: data transmitted by financial institutions through Plaid, entries scheduled by the User, and forecasts computed on the basis of those inputs. Each of these sources is subject to error, latency, or omission, and Users should not rely upon the Service as a sole source of truth for any financial decision.

Limitations of the Service

cashbff does not move money. The Service does not initiate transfers, payments, trades, or any other movement of funds, on behalf of the User or otherwise. cashbff is not a bank, broker-dealer, money services business, investment adviser, or tax adviser, and nothing made available through the Service constitutes regulated financial, investment, legal, accounting, or tax advice. The Service does not guarantee any particular financial outcome. The User retains sole responsibility for all financial decisions made in reliance upon, or in connection with, information presented by the Service.

User Responsibilities

The User shall: (i) maintain the security of all credentials used to access the Service; (ii) promptly notify cashbff of any change to the mobile telephone number associated with the account, as that number is used for authentication; (iii) refrain from sharing the account with, or permitting use by, any third party; and (iv) refrain from attempting to disrupt, scrape, reverse-engineer, or otherwise compromise the Service or its underlying infrastructure. Suspected unauthorized access or other security incidents should be reported promptly to daksh@cashbff.com. The User is responsible for all activity occurring under the User's account.

Third-Party AI Assistants

Where a User elects to connect cashbff to a third-party AI assistant by means of the MCP connector, the User is solely responsible for the assistants connected, the prompts submitted, and the use made of any output generated. The User shall not employ such connections to scrape, abuse, or circumvent rate limits, nor shall the User connect any automated agent designed to extract, redistribute, or resell data accessed through the Service. cashbff reserves the right, at its sole discretion, to rate-limit, throttle, suspend, or revoke any such connection where, in cashbff's reasonable judgment, the connection is being used in a manner inconsistent with these Terms or is generating disproportionate load on the Service. Where any such action is taken against a specific User, cashbff will provide a clear written explanation. All cashbff-side MCP operations are read-only. Additional detail regarding the data made available through these connections is set forth in our Privacy Policy.

Use of Aggregated, Anonymized Data

cashbff may use aggregated and anonymized usage data for the purpose of improving its forecasting models, recurring-charge detection, transaction categorization, and other Service features. cashbff shall not sell, rent, or share the raw personal financial data of any User with any third party for any purpose, except as expressly described in our Privacy Policy.

Subscription and Billing

Access to cashbff is offered on a paid subscription basis at a price of $12.99 per month, preceded by a fourteen (14) day free trial. All subscription fees are processed by Stripe, Inc. acting as cashbff's payment processor. The Subscriber may cancel the subscription at any time through the in-product settings or by contacting support; upon cancellation, access to the Service shall continue through the end of the then-current paid billing period, after which the subscription will lapse. cashbff does not provide pro-rata or partial refunds for the unused portion of any billing period, except where required by applicable law. With respect to the /school program, a parent or legal guardian shall complete a Stripe SetupIntent verification flow at enrollment in order to confirm payment-method ownership and establish parental consent, and shall be billed under the same monthly pricing terms in respect of each minor account.

Termination

The User may terminate the account and request deletion of associated personal data at any time by sending written notice to daksh@cashbff.com. cashbff may suspend, restrict, or terminate any account that, in cashbff's reasonable judgment, has engaged in abuse of the Service, has attempted to disrupt, scrape, or compromise the Service, or has otherwise materially breached these Terms. Where cashbff exercises its right of suspension or termination, it will provide the affected User with a written explanation in plain language.

Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. While cashbff endeavors to maintain accuracy, financial-institution data is inherently imperfect, and Users should independently verify any material figure with their financial institution before relying upon it for any consequential decision. To the maximum extent permitted by applicable law, cashbff disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. To the maximum extent permitted by applicable law, cashbff shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to the User's access to or use of the Service, including without limitation any financial decision made in reliance upon information presented by the Service. Certain jurisdictions do not permit the exclusion or limitation of certain warranties or damages; in such jurisdictions, the foregoing limitations shall apply to the maximum extent permitted by such law.

Governing Law and Dispute Resolution

These Terms shall be governed by, and construed in accordance with, the laws of the State of California, United States, without regard to its conflict-of-laws principles. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally shall be brought exclusively in the small claims court located in, or in binding arbitration seated in, Los Angeles County, California.

Changes to These Terms

cashbff may amend these Terms from time to time. In the event of any material change, cashbff shall provide affected Users with no less than thirty (30) days' prior written notice by email to the address associated with the account, in order to permit Users a reasonable opportunity to review the change and decide whether to continue using the Service. Non-material clarifications and typographical corrections shall be reflected by an updated "Last updated" date below.

Contact

Questions, complaints, or other communications relating to these Terms should be directed to daksh@cashbff.com.