Terms of Service

Please read these Terms of Service ("Terms") carefully before using the Cashflow Companion mobile application ("App") operated by Cashflow Companion LLC ("we," "our," or "us").

Acceptance of Terms

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.

Description of Service

Cashflow Companion is a personal finance calculator application that helps you track your available funds, net worth, and asset allocation. The App functions as an on-device calculator where you manually enter your financial information. The App does not connect to bank accounts or financial institutions.

Not Financial Advice

The App is provided for informational and educational purposes only. The App does not provide financial, investment, tax, legal, or accounting advice. The calculations and information provided by the App should not be relied upon as the sole basis for making financial decisions.

We strongly recommend that you consult with qualified financial, tax, and legal professionals before making any financial decisions. We are not responsible for any financial decisions you make based on information from the App.

User Responsibilities

You are responsible for:

• The accuracy of all data you enter into the App
• Maintaining the security of your device and any backups containing your data
• Using the App in compliance with all applicable laws and regulations
• Any decisions you make based on information from the App

Data and Privacy

All financial data you enter into the App is stored locally on your device. We do not have access to your financial data. Please refer to our Privacy Policy for more information about how we handle information.

You are responsible for backing up your device to prevent data loss. We are not responsible for any loss of data stored in the App.

Intellectual Property

The App, including its design, features, and content, is owned by Cashflow Companion LLC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the App without our written permission.

Limitation of Liability

To the maximum extent permitted by law, Cashflow Companion LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or other intangible losses
• Financial losses resulting from decisions made using the App
• Errors or inaccuracies in calculations
• Unauthorized access to your device or data
• Any other matter relating to the App

Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, error-free, or free of harmful components.

Changes to the App

We reserve the right to modify, suspend, or discontinue the App at any time without notice. We may also update these Terms from time to time. Continued use of the App after any changes constitutes acceptance of the new Terms.

Termination

You may stop using the App at any time by deleting it from your device. We reserve the right to terminate or suspend access to the App for any reason, including violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions.

Contact Us

If you have any questions about these Terms, please contact us at:

info@cashflowcompanion.net

Cashflow Companion LLC
Atlanta, Georgia, USA