Terms of Service

Last updated:

Jan 30, 2026

DATA PRIVACY

Your data is always kept private and secure. We may use your data to help train our AI engine, but only in a safe, aggregated, and anonymized way that never exposes your identity or business details to others. Our AI is built to understand patterns, not to broadcast who you are.

Here’s how it works: your transactions, revenue, and financial flows help the model learn how numbers move in businesses like yours. Over time, that allows it to surface smarter insights, forecasts, and next-best actions, so you get a more powerful financial coach.

But your specific data, your business name, or your personal information is never shared, sold, or disclosed to OpenAI or any third party.

In short:

  • We never sell your data, and we never share your personal or financial information with companies like OpenAI. We only share what is strictly necessary with secure, regulated infrastructure partners (e.g., Plaid for bank connections) to operate the service.

  • We train our model using aggregate, anonymized patterns.

  • We use industry-standard encryption and access controls to protect your data.


That means your business remains private, and the AI just learns how to serve you better.

NO PROFESSIONAL ADVICE

Our software, webinars, and related materials are for informational purposes only and do not replace professional financial, accounting, legal, medical, or tax advice. Always consult a qualified professional for personalized guidance.

OUR REFUND POLICY

  • Software subscriptions are non-refundable but may be cancelled at any time to avoid future billing.

  • One-time services (such as Catchup Accounting) are non-refundable once work has begun.

  • Free webinars, lead magnets, and masterclasses are offered at no charge and carry no guarantee or refund obligation.

TESTIMONIALS

In accordance with FTC guidelines, testimonials featured on our website or marketing materials reflect the unique experiences of specific customers. Results will vary, and we cannot guarantee you will experience the same benefits.

EARNINGS DISCLAIMER

We’ve taken every effort to accurately represent our platform and its ability to support your business. However, there is no guarantee that you will earn any money or achieve specific results using our ideas, software, or recommendations. Your level of success depends on many factors, including your skills, financial situation, and market conditions.

This is not a “get rich scheme.” By law, we make no guarantees that you will achieve any results, and we offer no professional financial, legal, medical, or psychological advice.

ACCEPTANCE OF TERMS

These Terms of Service (“TOS”) are a legally binding agreement governing your relationship with Cashflowy.ai, Inc., a Delaware corporation, located at 16192 Coastal Highway, Lewes, Delaware 19958, and our affiliates. By accessing or using our services, you agree to these terms.

COMPANY’S SERVICES

Our Services include:

  • Cashflowy.ai Software: A financial platform that provides bookkeeping automation, AI-powered financial insights, and business reporting.

  • Add-on Services: Optional services such as Catchup Accounting, delivered by professional accountants.

  • Educational Content: Free webinars, masterclasses, and resources related to financial management.

We may update, modify, or discontinue features at any time. Continued use of our Services after updates constitutes your acceptance.

NO RESALE OF SERVICES

You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of our Services or access to them without our prior written consent.

INTELLECTUAL PROPERTY

All software, source code, algorithms, AI models, designs, and educational materials remain the sole property of the Company. You are granted a limited, non-transferable license to access and use the software for your own business purposes. You may not copy, modify, distribute, or reverse engineer any part of the Services.

AI DISCLAIMER

Our AI tools are designed to provide insights and recommendations based on data patterns. While we strive for accuracy, outputs may not always be correct or applicable to your specific circumstances. You remain responsible for reviewing and verifying all financial data and decisions.

REGISTRATION & ELIGIBILITY

To register and use our Services, you must be 18 years of age or older and legally able to form a binding contract. Our Services are not directed to children under 18, and we do not knowingly collect personal data from children.

LIMITATION OF LIABILITY

Your use of our Services is at your own risk. To the maximum extent permitted by law, our liability is limited to the lesser of (a) the amount you paid us in the 30 days prior to the claim or (b) $1,000.

CHOICE OF LAW & VENUE

These Terms are governed by the laws of the State of Delaware. Any disputes shall be resolved through binding arbitration in Delaware under the rules of the American Arbitration Association.

ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between the parties. Any modifications must be in writing and signed by both parties.