Terms of Service

1.1 CashflowFrame is a subscription-based personal and family finance application available on iOS and Android. Access requires an active paid subscription.

1.2 By creating an account, downloading the app, or subscribing, you confirm you are at least 18 years old and legally capable of entering contracts.

1.3 We may update these Terms. We'll notify you of material changes via email or in-app notice. Continued use constitutes acceptance.

2.1 No Free Tier: CashflowFrame requires an active paid subscription (Standard or Premium) to access any workspaces or features.

2.2 Subscriptions auto-renew monthly or annually based on your selection. You authorize recurring charges to your payment method.

2.3 You can upgrade, downgrade, or cancel anytime via the App Store or Google Play. No refunds except as required by law.

2.4 We may adjust pricing with 30 days notice. Current pricing is available at cashflowframe.com/pricing.

3.1 You must create an account with accurate information. You are responsible for maintaining the security of your account.

3.2 Keep your password confidential and notify us immediately of any unauthorized access or suspected breach.

3.3 You may not share accounts, sell access, or use automated tools such as bots or scrapers.

3.4 We may suspend or terminate accounts for violations of these Terms or for non-payment.

4.1 Workspaces are private by default. Premium users can invite other users to collaborate via email or link.

4.2 Workspace owners control permissions (for example: view, edit, or admin). Invitees access shared workspaces through their own accounts.

4.3 Workspace owners can remove members at any time. Removed members immediately lose access to the workspace.

4.4 Collaboration does not involve sharing passwords. Each user maintains their own login and credentials.

5.1 You retain ownership of the content and data you enter into CashflowFrame, including transactions, budgets, accounts, and notes.

5.2 You grant us a worldwide, non-exclusive license to store, process, and sync your data as needed to operate the Service.

5.3 Financial Disclaimer: CashflowFrame is for personal and household finance management only. We do not provide financial, tax, or investment advice. You should consult a qualified professional before making financial decisions.

5.4 You may remove your data at any time. When you delete your account, we delete your personal data within a reasonable period, subject to technical and legal constraints, and limited backup retention.

6.1 Your privacy is important to us. Our Privacy Policy, available at cashflowframe.com/privacy, explains how we collect, use, and protect your information.

6.2 We collect only the data needed to provide and improve the Service, including account information and financial data you choose to store in the app.

6.3 We do not sell your financial data to third parties and we do not run third-party advertising networks based on your data.

7.1 You agree not to use CashflowFrame for any illegal purpose or in violation of any applicable law or regulation.

7.2 You must not attempt to reverse engineer, decompile, or otherwise derive source code from the app or its services.

7.3 You must not interfere with or disrupt the integrity or performance of the Service, including by overloading infrastructure or attempting unauthorized access.

7.4 You must respect other users. You may not harass, abuse, or misuse collaboration and invite features.

8.1 CashflowFrame, including its software, design, trademarks, and branding, is owned by us or our licensors and is protected by intellectual property laws.

8.2 You are granted a limited, non-exclusive, non-transferable license to use the app solely for your personal or household purposes, in accordance with these Terms.

8.3 You may submit feedback or suggestions, which we may use without obligation to you and without compensation.

9.1 The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory.

9.2 We do not guarantee that the Service will be error-free, uninterrupted, secure, or that it will meet your requirements.

9.3 While we aim for accurate calculations and reporting, you acknowledge that errors, delays, or data discrepancies may occur and that you should not rely solely on the app for critical financial decisions.

9.4 To the maximum extent permitted by law, we disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

10.1 To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill.

10.2 Our total liability for any claim arising out of or relating to the Service will not exceed the amount you paid for the Service in the twelve (12) months preceding the event giving rise to the claim.

10.3 These limitations apply whether the claim is based on warranty, contract, tort (including negligence), or any other legal theory.

11.1 You may cancel your subscription at any time through the App Store or Google Play. You will retain access until the end of the current billing period.

11.2 We may suspend or terminate your access to the Service if you violate these Terms, fail to pay fees when due, or if we are required to do so by law.

11.3 Upon termination or cancellation, certain provisions of these Terms will continue to apply, including those relating to intellectual property, limitations of liability, and dispute resolution.

12.1 These Terms are governed by and construed in accordance with the laws of Portugal, without regard to its conflict of law principles.

12.2 Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts located in Lisbon, Portugal, unless applicable law requires otherwise.

13.1 We encourage you to contact us first to attempt to resolve any issue informally by emailing [email protected].

13.2 Where permitted by law, you and we agree to resolve certain disputes through individual, binding dispute resolution procedures rather than through broad class actions.

13.3 Nothing in this section limits your mandatory rights under applicable consumer protection laws.

14.1 Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

14.2 Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.3 No Waiver: Our failure to enforce any provision of these Terms will not be considered a waiver of our right to enforce it later.

14.4 Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations as permitted by law.

14.5 Third-Party Stores: Your use of the Service may also be subject to the terms and policies of the app store or platform from which you download the app.

If you have questions or concerns about these Terms or the Service, please contact us at:

Riscas Fidalgas

Contact: [email protected]

By using CashflowFrame, you acknowledge reading, understanding, and agreeing to these Terms.