Terms of Service

These Terms of Service ("Terms") form a legally binding agreement between you and Scarborough BC Ltd, a company registered in England and Wales (company number 15051613) trading as CashflowOS("we", "us", "our").

By creating an account or using the service available at cashflowwiz.co.uk, you agree to these Terms and to our Privacy Policy and Cookie Policy. If you do not agree, do not use the service.

1. Eligibility

• You must be at least 18 years old.
• You must be a UK resident or have a UK-registered business. The service is currently designed for UK users; we make no representation that it complies with the laws of any other jurisdiction.
• You must be legally able to enter into binding contracts.
• If you sign up on behalf of a business, you confirm you have authority to bind that business to these Terms.

2. Your account

You are responsible for keeping your login credentials secure. You must:

• Use a strong, unique password.
• Not share your account with anyone — use our team invite feature instead.
• Tell us immediately at security@cashflowos.app if you believe your account has been compromised.
• Provide accurate, up-to-date information.

We may suspend or close any account where we reasonably suspect fraud, abuse, or material breach of these Terms.

3. The service

CashflowOS is a cashflow management tool for businesses and individuals. It lets you track multiple financial entities, import bank statements, sync via Open Banking, get AI-assisted categorisation and forecasting, and manage inter-entity loans.

The service is software. It is not financial advice, accountancy advice, tax advice, or investment advice. AI suggestions, can-I-spend verdicts, and pattern detection are tools to help you make decisions — they are not professional opinions and you should consult a qualified professional for advice specific to your situation.

We do not initiate payments on your behalf and we do not move money. Open Banking access is read-only.

4. Subscription, billing and trial

We offer the following subscription tiers (current monthly prices, exclusive of VAT where applicable):

• Trial: £0 for 14 days. No card required. After expiry, the workspace becomes read-only until you choose a paid plan.
• Solo: £9 / month.
• Pro: £19 / month.
• Business: £39 / month.
• Agency: £89 / month.

Annual billing gives you two months free. Payment is processed by Stripe. By starting a paid plan you authorise us to charge your chosen payment method on each renewal date until you cancel.

Cancellation: you may cancel at any time from your billing settings. Cancellation takes effect at the end of the current paid period. Once cancelled you keep access to your data and exports until the period ends. We do not provide refunds for partial months.

Price changes:we will give you at least 30 days' notice (by email and in-app banner) before any price increase that affects your subscription. You may cancel before the new price takes effect.

Failed payments:if a payment fails, we retry per Stripe's standard schedule. After 7 days of continued failure, the workspace becomes read-only until payment is resolved.

Statutory consumer rights: if you are a consumer (not signing up for business purposes), the UK Consumer Contracts Regulations 2013 grant you a 14-day cancellation right from sign-up. You will be deemed to waive this right if you start using the service during that period, but you may still cancel for a refund of the unused portion of any paid period.

5. Fair use limits

Each tier has limits on entities, transactions, AI credits and bank uploads as shown on our pricing page. These are enforced at the API level. Exceeding a limit will block further usage of that feature until the next billing cycle or until you upgrade.

6. Acceptable use

You must not:

• Use the service for any unlawful purpose, including money laundering, fraud, or tax evasion.
• Upload statements or data that is not yours and that you do not have authority to process.
• Attempt to reverse engineer, scrape, or rate-limit-attack the service.
• Resell or sublicense the service without an Agency-tier white-label agreement.
• Use the service to develop a competing product.
• Submit malicious code, spam other users, or interfere with the integrity of the service.

Violations may result in immediate suspension without refund.

7. Your data — ownership

You own your data. Including bank transactions, recurring items, AI categorisations you have accepted, and uploaded statement files. We claim no ownership of customer content.

You grant us a non-exclusive, worldwide, royalty-free licence to host, process, transmit and display your data solely to operate and improve the service for you. We may use aggregated, fully anonymised data (containing no personally identifying or business-identifying information whatsoever) for product analytics and to improve features like pattern detection and AI categorisation accuracy.

You may export your data at any time from your settings page (JSON + CSV).

8. Intellectual property

The service, including all software, designs, templates, logos and trademarks, is owned by us or our licensors. We grant you a personal, non-transferable, non-exclusive licence to use the service in accordance with these Terms. Nothing in these Terms transfers any IP rights to you.

9. Third-party services

We rely on third-party providers including TrueLayer (Open Banking), Anthropic (AI), Stripe (payments), Brevo (email) and Hetzner (hosting). Their availability and uptime affects ours. We are not liable for downtime caused by sub-processors but will give reasonable status updates and pursue them where appropriate.

Bank connections are subject to TrueLayer's own terms. By connecting a bank you agree to those terms. Open Banking consent expires after 90 days under UK PSD2 rules and must be renewed.

10. Availability and uptime

We aim for high availability but do not guarantee uninterrupted service. We may need to take the service offline for maintenance, security or upgrades — we will give reasonable notice for planned maintenance. There is no SLA on the Trial, Solo or Pro tiers. Business and Agency tiers include best-effort 99.5% monthly uptime; service credits are at our discretion.

11. Limitation of liability

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be excluded under UK law.

Subject to that, and to the maximum extent permitted by law:

• We are not liable for any business losses (including loss of profits, revenue, contracts, goodwill, anticipated savings, or business opportunity), or for any indirect or consequential loss, even if foreseeable.
• Our total aggregate liability to you in any 12-month period is capped at the greater of £100 or the fees you actually paid us in that 12-month period.
• We are not responsible for the accuracy of AI suggestions, pattern detection, or can-I-spend verdicts. You remain solely responsible for decisions you make.
• We are not responsible for losses arising from your bank statement parsing or third-party data integrations being incomplete or delayed.
• We are not responsible for compliance with your tax, VAT or accounting obligations — that remains your responsibility, and the service is not a substitute for an accountant.

12. Indemnity

You indemnify us against losses we suffer arising from (a) your breach of these Terms, (b) your use of the service for unlawful purposes, or (c) any third-party claim that your use of the service infringes their rights.

13. Termination

You may cancel your subscription and delete your account at any time. We will retain your data per the schedule in our Privacy Policy §6, then permanently delete it.

Wemay suspend or terminate your account for material breach of these Terms or where we reasonably suspect fraud or abuse. We will give 30 days' notice for non-breach-related termination (e.g. service discontinuation), during which you may export your data.

Sections that by their nature should survive termination (intellectual property, limitation of liability, indemnity, governing law) survive.

14. Changes to these Terms

We may update these Terms from time to time. For material changes we give at least 14 days' notice by email and in-app banner. Continued use after the effective date constitutes acceptance. The current version date is at the top.

15. Governing law and disputes

These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, subject to your rights as a consumer (if applicable) to bring proceedings in the courts of your country of residence.

Before going to court, please contact us at legal@cashflowos.app so we can try to resolve the issue informally.

16. Miscellaneous

• Entire agreement: these Terms plus the Privacy Policy and DPA are the entire agreement between us.
• Severability: if any clause is found unenforceable, the rest stays in force.
• Assignment: we may assign these Terms to a successor in the event of merger, acquisition or asset sale. You may not assign without our consent.
• Force majeure: neither party is liable for delays caused by events beyond their reasonable control.
• Notices: we will email you using the address on file. You may notify us at legal@cashflowos.app.
• No third-party rights: the Contracts (Rights of Third Parties) Act 1999 does not apply.

17. Contact

Questions about these Terms: legal@cashflowos.app
Privacy questions: privacy@cashflowos.app
Support: see in-app support tickets once signed in