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 checking the required boxes and clicking Accept and continue, you ("you", "Customer") agree to these Terms on behalf of yourself and, if applicable, the business you represent. If you do not agree or are not authorized to accept, 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;
• may include optional public-web business research. Identity, industry, and court results may be incomplete, stale, or matched to the wrong entity; a “possible match” is not a finding about the subject business, and no blank result proves that no public record exists;
• 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, use an individual account, protect credentials and devices, and promptly report suspected compromise. You are responsible for activity under your account except to the extent caused by our breach of a non-waivable legal duty.
• An account owner may invite team members. The owner's business is responsible for approving access, assigning least-privilege permissions, training and supervising its members, reviewing connected integrations and exports, and promptly removing anyone who should no longer have access.
• Every owner, manager, and member is individually responsible for accessing, uploading, changing, exporting, or sharing only data and records that person and the organization are legally authorized to handle.
• You must be at least 18 and using the Service on behalf of a business, not as a consumer.
• Organization owners and managers control member access. Organization owners are responsible for retention settings, exports, connected Drive destinations, internal security policies, and deletion requests. A legal hold may delay deletion when reasonably required by law, dispute preservation, fraud prevention, or security.

3. Credits and payment

• The standard paid plan is a recurring $1,000 monthly subscription that includes 2,000 statement credits for each paid billing period. One credit is used each time a brand-new statement is underwritten; re-opening, editing, and re-running an already-underwritten statement does not use additional credits.
• Included monthly credits do not roll over. Any part of the 2,000 credits included with a paid billing period that is still unused when the next period begins is forfeited. Unused included credits are not carried forward, banked, added to a later period's allowance, extended, reinstated, or exchanged for anything else. Active subscribers may purchase 100-credit top-ups for $25; purchased top-up credits are separate from the monthly allowance, are not reset by the billing cycle, and remain available while the subscription is active.
• Statement credits belong to the organization pool. The organization owner may allow all teammates to use the available pool or apply billing-cycle limits to individual members. Authorized managers may adjust regular-member limits but cannot change their own limit or another manager's limit. These controls do not transfer ownership of credits or create separate user wallets.
• The organization owner is included with the base subscription. Each additional active team member and each unclaimed team invitation is a recurring $50 monthly seat. Adding a seat may create an immediate prorated charge. Canceling a pending invitation or removing a member ends that person's access and reduces the recurring seat quantity going forward; Stripe may apply any unused-time proration as a credit under the account's billing settings.
• Credits are non-refundable, including unused credits. We do not refund, repurchase, redeem for cash, or issue account credit for any unused credit balance — whether those credits were included with a paid month, purchased as a top-up, or granted as a trial. This applies when you cancel, when a subscription lapses or is not renewed, when the monthly allowance resets, and when an organization is deleted. Credits have no cash value and are not transferable outside your organization. Nothing in this paragraph removes a refund that applicable law requires us to provide.
• Trial credits may be granted at our discretion and may expire or be adjusted.
• Subscriptions renew automatically until canceled. An organization owner or manager can cancel at any time, without contacting us, from Billing & credits → Manage billing, which opens the Stripe-hosted customer portal; the same portal shows invoices and updates the payment method. Cancellation takes effect at the end of the billing period you have already paid for. Access and any remaining included credits continue until that date, and the period already paid for is neither refunded nor prorated.
• We may change pricing prospectively with notice required by applicable law; changes do not alter top-up credits already purchased.

4. Your data; your responsibilities for submitted records

• You retain all rights you have in bank statements, CSV files, forwarded emails, applications, attachments, applicant, broker, owner, business-contact and other deal information you submit ("Customer Data").
• You grant us a limited, non-exclusive, worldwide license to host, process, transmit, display, retain, reproduce, analyze, modify, and create derived information from Customer Data to provide, secure, support, train, test, evaluate, develop, and improve the Service. This includes improving statement parsers, transaction classifiers, funder and recurring-obligation detection, scoring and pricing logic, AI-assisted features, quality controls, and related models and workflows. The license lasts for as long as the Customer Data or resulting improvement materials are retained as described in the Privacy Policy and applicable law.
• An organization owner or manager may enable native Email intake and receive a randomized organization-specific forwarding address. When an authorized user forwards a message to that address, you authorize the Service and its disclosed processors to receive and archive the full message and supported attachments, use the organization’s configured AI account to extract application and attachment fields, and propose an existing-deal match or a new Calc. Native Email intake is independent of Heron.
• Email-intake extraction and matching are automated and may be inaccurate. An authorized team member must review the extracted business identity, applicant and broker fields, attachment types, and proposed deal match before importing any statement into a Calc. Importing uses the normal statement parser, reconciliation, credit metering, and autosave controls.
• For product training and improvement, you authorize us to retain and use Customer Data and related results, including statement content and layout, transaction descriptions, dates, amounts and balances, classifications and corrections, parser and reconciliation outcomes, deal and offer results, AI inputs and outputs, support and error records, and usage signals. We may combine information and learnings across customers to build training and evaluation datasets and improve product-wide logic and models.
• Where reasonably practicable for the improvement purpose, we minimize, redact, aggregate, or remove direct account, business, organization, and user identifiers and restrict access to the personnel and service providers who need it. De-identification is a safeguard, not a promise that every retained training or evaluation item is anonymous. We do not sell Customer Data or give another customer direct access to your identifiable statements, deals, files, account rules, or pricing records. Product-wide models and features may reflect generalized patterns learned from many customers.
• The Service may also create privacy-reduced format descriptors containing a detected financial-institution name, generic section or column headings, coarse column positions and types, page and parsed-row counts, reconciliation status, and a one-way layout fingerprint. These descriptors exclude raw statement text, transaction descriptions, amounts, balances, account numbers, filenames, merchant or business names, user email addresses, and organization identity. Additional details about both broader product-improvement use and format descriptors appear in the Privacy Policy, Section 3.
• 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 apply only authorized corrections, classifications, rules, status changes, exports, sharing settings, retention choices, and integration instructions. You are responsible for verifying instructions submitted by your personnel and for protecting copies downloaded or sent outside the Service.
• You will not upload or forward data you have no right to process, consumer (non-business) account data for consumer-credit purposes, passwords, bank-login credentials, unnecessary sensitive personal data, or any content that is unlawful or infringing.
• If you use Business & risk lookup, you authorize us to send the business name, location, known website, and industry hint you confirm to the organization’s configured AI/web-search provider and to store the returned public-source citations and result with the deal. Raw bank transactions and account data are excluded from that lookup.
• You are responsible for a lawful purpose for public-record research and for independently checking the subject identity, source record, jurisdiction, filing, disposition, and freshness. The lookup is not legal advice, a comprehensive litigation/lien/judgment/bankruptcy search, a consumer report, or a substitute for a licensed records provider.

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, classifications, keyword recommendations, outcomes, or other feedback, you grant us a perpetual, irrevocable, royalty-free license to use them to operate, train, test, evaluate, and improve the Service. Your account-level rule settings and saved pricing views remain accessible only under your organization's permissions, subject to the product-improvement rights in Section 4.
• General improvements to the Service—including parser rules, shared classifications, trained parameters, evaluation results, models, scoring logic, aggregated or de-identified datasets, and derived learnings—belong to us. This does not transfer your ownership of the underlying Customer Data to us.

6. Acceptable use

You will not misuse the Service, including by: interfering with its operation, availability, rate limits, metering, or security; probing or attempting unauthorized access to accounts, infrastructure, or other customers' data; sharing credentials; uploading malware or data you are not permitted to process; submitting abusive, deceptive, harassing, unlawful, or automated high-volume traffic; scraping or extracting the Service or its models; misrepresenting your identity, authority, or results; or helping another person do any prohibited act. We may investigate, preserve evidence, restrict traffic, suspend access, and cooperate with lawful process when reasonably necessary to protect the Service, customers, or others.

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.

No information system can guarantee absolute security. To the maximum extent permitted by law, we are not responsible for a security incident, disclosure, loss, or unauthorized use caused by Customer systems, credentials, personnel, permissions, integrations, exports, unlawful uploads, failure to remove access, or failure to follow reasonable security instructions. Nothing in these Terms excludes a responsibility that applicable law does not allow us to exclude.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST FUNDING, BAD-DEBT LOSSES, DATA-RESTORATION COSTS, LOSS OF GOODWILL, 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 SUBSCRIPTION AND SERVICE FEES YOU ACTUALLY PAID US DURING THE ONE (1) MONTH IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM (OR US $100 IF YOU PAID NOTHING DURING THAT MONTH). These limits apply regardless of the theory of liability and even if a remedy fails of its essential purpose, but do not apply where prohibited by law or to liability that cannot lawfully be limited.

10. Indemnification

You will defend and indemnify us against third-party claims, damages, and costs (including reasonable attorneys' fees) arising from: (a) Customer Data, including any claim that you lacked the rights, notices, security, or authorization required by Section 4; (b) your users, systems, credentials, permissions, integrations, exports, or sharing; (c) your underwriting, funding, or collection decisions; or (d) your breach of these Terms or applicable law. This obligation does not apply to the extent a claim was caused by our breach of a non-waivable legal duty.

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 County, New York, on an individual basis. You and we each waive any right to a jury trial and to participate in a class action. For a claim that applicable law permits to proceed in court, and for permitted injunctive relief concerning misuse of intellectual property, confidential information, or unauthorized access, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in New York County, New York. Either party may bring an eligible individual claim in small-claims court notwithstanding this paragraph.

12. General

These Terms plus the Privacy Policy are the entire agreement for the Service. We may update them prospectively. When the current legal version changes, each owner, manager, and member must affirmatively accept the updated version before continuing to use authenticated features. If any provision is unenforceable, it will be enforced to the greatest lawful extent and 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. Electronic acceptance and evidence

You consent to receive these Terms and the Privacy Policy electronically and to use an electronic action as your signature. When you accept, the Service may preserve an immutable evidence record containing your verified account email and identifier, organization and role, server timestamp, IP address, approximate network-derived location, browser time zone and device/browser information, the acceptance action, and the version, cryptographic hash, and exact snapshot of the legal documents accepted. These records are used to administer the agreement, prevent fraud, prove consent, and comply with law. You may review or print the current documents before accepting.

14. Contact

Questions about these Terms: ml7779@gmail.com.