1. Acceptance of Terms

By accessing and using Cash Flow Manager ("the Service"), you accept and agree to be bound by the terms and provision of this agreement.

2. Eligibility

You must be at least 13 years old to use the Service. If you are between the ages of 13 and 17, you may only use the Service with the consent and under the supervision of a parent or legal guardian. In such cases, your parent or guardian agrees to be bound by these Terms on your behalf and is responsible for your use of the Service.

The Service is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13.

3. Description of Service

Cash Flow Manager is a personal financial management tool that helps users track income, expenses, investments, and credit card payments to manage their cash flow.

4. User Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Ensuring the accuracy of the financial data you enter
• Using the service in compliance with applicable laws

5. Privacy and Data Security

Your financial data is stored securely using industry-standard encryption and security measures. We do not share your personal financial information with third parties. However, while we implement robust security precautions, no system is 100% secure, and we cannot guarantee absolute security of your data.

Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

6. Third-Party Services

Our Service relies on third-party platforms including Replit hosting services, Supabase database services, and email service providers. We are not responsible for any outages, data loss, security breaches, or other issues that may occur with these third-party platforms. Your use of the Service is subject to the availability and functionality of these external services.

7. Marketing and Communications Consent

By creating an account, you consent to receive service-related communications from us, including account notifications, security alerts, and service updates. You may also opt in to marketing communications, which you can unsubscribe from at any time through the unsubscribe link in our emails or by contacting us.

8. Account Termination

We reserve the right to suspend, terminate, or restrict access to your account at any time, with or without notice, for any reason including but not limited to:

• Violation of these Terms of Service
• Fraudulent or illegal activities
• Misuse of the Service
• Abusive behavior toward other users or our staff

Upon termination, your right to use the Service will cease immediately, and we may delete your account and associated data.

9. Financial Disclaimer

Cash Flow Manager is NOT a substitute for professional financial, investment, tax, or legal advice. This application is provided for informational and planning purposes only. The calculations, projections, and recommendations provided by our Service are based solely on the data you input and should not be considered personalized financial advice.

You should not make any financial, investment, or other important decisions based solely on the information provided by this tool. Always consult with qualified financial professionals, tax advisors, or legal counsel before making significant financial decisions.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE SHALL NOT BE LIABLE FOR ANY:

• Financial losses of any kind resulting from your use of the Service
• Lost profits, lost data, or business interruption
• Indirect, incidental, consequential, or punitive damages
• Errors in financial calculations or projections provided by the Service
• Actions taken based on information provided by the Service

11. Service Availability

While we strive to provide reliable service, we cannot guarantee 100% uptime or uninterrupted access to Cash Flow Manager. Service availability may be affected by factors outside our control, including but not limited to maintenance, third-party platform outages (such as Replit hosting or Supabase database services), internet connectivity issues, or technical difficulties.

We are not liable for any inconvenience, loss of data, or other issues that may arise from service interruptions or downtime.

12. Changes to Service

We reserve the right to modify, update, enhance, or discontinue any features or functionality of the Service at any time, with or without notice. This may include adding new features, changing existing features, or removing features entirely to improve the overall user experience or for technical reasons.

13. Indemnification

You agree to indemnify, defend, and hold harmless Cash Flow Manager, its owners, employees, and affiliates from and against any claims, damages, losses, costs, or expenses (including reasonable attorney's fees) arising from or relating to:

• Your use or misuse of the Service
• Your violation of these Terms of Service
• Your violation of any applicable laws or regulations
• Any content or information you provide through the Service
• Any harm caused to third parties through your actions

14. Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of material changes by posting the updated terms on our website and updating the "Last updated" date below. Your continued use of the Service after such changes constitutes acceptance of the new terms.

Last updated: September 27, 2025

1. Information We Collect

We collect the following types of information:

• Account Information: Email address and encrypted password
• Financial Data: Income, expenses, investment plans, and credit card payment information that you voluntarily enter
• Usage Data: How you interact with our service for improving user experience

2. How We Use Your Information

Your information is used to:

• Provide and maintain the Cash Flow Manager service
• Calculate financial projections and cash flow analysis
• Authenticate your access to your personal data
• Improve our service and user experience

3. Data Security

We take data security seriously:

• All data is stored in encrypted databases
• Passwords are securely hashed and never stored in plain text
• Data transmission is secured with HTTPS encryption
• Regular security updates and monitoring

4. Information Sharing

We do not sell, trade, or share your personal financial information with unrelated third parties. We may share data with trusted third-party service providers (such as cloud hosting, authentication services, and email delivery) strictly for the purpose of operating and improving the Service. These providers are contractually obligated to protect your information and may only use it for the services they provide to us.

Your financial data remains private and is only accessible to you through your secure account.

5. Data Retention

Your financial data is retained as long as your account is active. You may request account deletion and data removal at any time by contacting us.

We may retain minimal records (such as account or transaction logs) for legal, accounting, or security purposes for up to 2 years after account deletion. This timeframe is subject to change as needed for legal compliance.

6. Minor's Privacy

We do not knowingly collect personal information from children under 13. Users between ages 13-17 may use the Service only with parental or guardian consent.

7. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your account and data

8. International Users & Data Transfers

If you access the Service from outside the United States, your information may be transferred to and processed in the U.S. By using the Service, you consent to this transfer.

9. Cookies and Tracking

We use session cookies to maintain your login state. No third-party tracking or advertising cookies are used.

10. Changes to Privacy Policy

We may update this privacy policy from time to time. We will notify users of any material changes.

11. Contact Information

If you have any questions about this Privacy Policy, please contact us through the support channels in your account.

Last updated: September 27, 2025