Terms of Service

These Terms of Service (the "Terms") govern your access to and use of the CashflowReviewer website, application, and related services (collectively, the "Service"), operated by CashflowReviewer ("we", "us", "our"). By creating an account, clicking to accept, or using the Service, you ("you", "Customer") agree to these Terms on behalf of yourself and the business you represent. If you do not agree, do not use the Service.

1. The Service — an analytical tool, not advice

The Service is a business-to-business software tool that analyzes bank-statement data you upload and produces automated classifications, metrics, and risk indicators. The Service and its outputs:

• are provided for informational and analytical purposes only;
• are not financial, investment, lending, legal, accounting, or tax advice, and no output constitutes a recommendation to fund, decline, price, or otherwise act on any transaction;
• are generated by automated classification and statistical methods that can and do make errors — including misclassified transactions, missed or misidentified funding positions, and inaccurate metrics or grades;
• must be independently verified by you before any business decision. You are solely responsible for your underwriting, funding, pricing, and collection decisions and for compliance with all laws applicable to your business.

The Service is not a consumer reporting agency and its outputs are not "consumer reports." You agree not to use the Service or its outputs as a factor in establishing a consumer's eligibility for credit, insurance, employment, or any other purpose covered by the Fair Credit Reporting Act or similar laws.

2. Accounts and teams

• You must provide accurate registration information and keep your credentials secure. You are responsible for all activity under your account.
• An account owner may invite team members; the owner's business is responsible for its members' use of the Service and for removing members who should no longer have access.
• You must be at least 18 and using the Service on behalf of a business, not as a consumer.

3. Credits and payment

• The Service is metered in prepaid credits. One credit is used each time a brand-new statement is underwritten for your account; re-opening, editing, and re-running an already-underwritten statement does not use additional credits.
• Credits have no cash value, are not transferable outside your account, and — except where required by law — are non-refundable.
• Trial credits may be granted at our discretion and may expire or be adjusted.
• We may change pack pricing prospectively; changes never affect credits you already hold.

4. Your data; your responsibilities for uploaded statements

• You retain all rights you have in the bank statements, CSV files, and other data you upload ("Customer Data").
• You grant us a limited, non-exclusive license to host, process, transmit, and display Customer Data solely to provide, secure, and support the Service.
• You represent and warrant that you have all rights, consents, and legal authority needed to upload and process each statement you submit — including, where the statement concerns a third-party business (e.g., a merchant applying to you for funding), that you obtained it lawfully and have that party's authorization to process it for underwriting.
• You will not upload data you have no right to process, consumer (non-business) account data for consumer-credit purposes, or any content that is unlawful or infringing.

5. Our intellectual property

• The Service — including its classification engine, models, keyword and funder databases, scoring logic, software, and design — is our exclusive property and our confidential trade secret. No rights are granted except the limited right to use the Service under these Terms.
• You will not (and will not permit anyone to): reverse engineer, decompile, probe, scrape, or copy the Service or its engine; use the Service to build, train, or benchmark a competing product; resell or provide the Service to third parties as a service bureau; or circumvent usage metering or access controls.
• If you submit suggestions, corrections, or keyword recommendations, you grant us a perpetual, irrevocable, royalty-free license to use them to operate and improve the Service. Classification rules you create for your own account remain scoped to your account.

6. Acceptable use

You will not misuse the Service, including by: interfering with its operation or security; attempting unauthorized access to other customers' data; submitting malicious content or automated high-volume traffic; misrepresenting your identity or authority; or using the Service in violation of applicable law.

7. Availability, changes, and support

We may modify, suspend, or discontinue features at any time. We aim for high availability but the Service is provided without uptime guarantees. We may suspend or terminate accounts that breach these Terms or create risk for us or other customers; where practical we will notify you first.

8. Disclaimers

THE SERVICE AND ALL OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT CLASSIFICATIONS, METRICS, GRADES, OR ANY OTHER OUTPUT WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR ANY DECISION.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST FUNDING, BAD-DEBT LOSSES, OR BUSINESS LOSSES ARISING FROM OR RELATING TO THE SERVICE OR ITS OUTPUTS — INCLUDING LOSSES ON DEALS YOU FUNDED OR DECLINED IN RELIANCE ON ANY OUTPUT; AND (b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE THREE (3) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM (OR US $100 IF YOU HAVE PAID NOTHING).

10. Indemnification

You will defend and indemnify us against claims, damages, and costs (including reasonable attorneys' fees) arising from: (a) Customer Data, including any claim that you lacked the rights or authorization required by Section 4; (b) your underwriting, funding, or collection decisions; or (c) your breach of these Terms or of applicable law.

11. Dispute resolution; governing law

These Terms are governed by the laws of the State of New York, without regard to conflicts-of-law rules. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in New York, New York, on an individual basis. You and we each waive any right to a jury trial and to participate in a class action. Either party may seek injunctive relief in court for misuse of intellectual property or confidential information.

12. General

These Terms plus the Privacy Policy are the entire agreement for the Service. We may update these Terms; material changes will be posted here with a new "Last updated" date, and continued use after a change is acceptance. If any provision is unenforceable, the rest remain in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale.

13. Contact

Questions about these Terms: ml7779@gmail.com.