End-User License Agreement

This End-User License Agreement ("Agreement") governs your access to and use of the CashVault AI website, the approved-access CashVault application, the standalone QuickBooks Connector, MCP endpoints, and related documentation and support (collectively, the "Service"). By creating an account, accepting an invitation, approving a connector, or using the Service, you agree to this Agreement and our Privacy Policy.

If you use the Service for an organization, you represent that you are authorized to act for that organization. If you do not agree, do not use the Service.

Features may change during this early release. Preview labels such as "coming soon" or "next" describe future plans and are not a commitment to deliver a feature on a particular date.

• The approved-access CashVault application provides manual-first cash planning through bank balances, balance confirmations and overrides, scheduled payments, sales and expected collection milestones, beneficiaries, investments, and the River view.
• CashVault may read selected QuickBooks bank-account balance snapshots after an owner connects QuickBooks. Manual CashVault planning records are not written back to QuickBooks in this release.
• The standalone QuickBooks Connector is a separate product path that lets authorized organizations approve MCP clients or AI agents with defined read or write scopes for QuickBooks operations.
• Organizations may assign owner, editor, and viewer roles. Available actions depend on the user role, product entitlement, connected account, and approved scope.

Supabase Auth manages email-and-password authentication and sessions. You must provide accurate account information, protect your credentials, and promptly notify us at martin@cashvault.ai of suspected unauthorized use.

Access to the full CashVault application is currently granted to approved organizations, including through validated invitations. The standalone QuickBooks Connector has a separate signup and entitlement. An organization owner controls members, roles, QuickBooks connections, and approved agents for that organization.

You may not share a personal credential, bypass an access decision, or use another organization’s account or data without authorization. We may suspend access reasonably believed to be compromised or used in violation of this Agreement.

Subject to this Agreement, CashVault grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable right to use the Service for your organization’s internal business purposes while you have authorized access.

• You may not resell or sublicense the Service, except to permit authorized members of your own organization to use it.
• You may not copy, modify, reverse engineer, interfere with, scrape, overload, or attempt to gain unauthorized access to the Service, except where applicable law expressly permits it.
• You may not use the Service to violate law, third-party rights, Intuit policies, or the security of another system.

As between you and CashVault, you retain your rights in business and financial data you submit or connect ("User Data"). You grant CashVault a limited right to host, process, transmit, and display User Data only as needed to provide, secure, and support the Service and as described in the Privacy Policy.

You are responsible for the legality, accuracy, and quality of User Data; for obtaining any permissions needed from employees, customers, vendors, and other people; and for maintaining appropriate source records and backups. Do not submit data you are not authorized to use.

QuickBooks Online is optional and provided by Intuit under separate terms. You authorize CashVault to store and use the connection credentials and QuickBooks data needed for the actions you select. You may disconnect QuickBooks through CashVault when the connection controls are available or through Intuit.

Before approving an MCP client or AI agent, review its identity, requested scopes, and intended use. A read scope can disclose financial or business records to that client. A write scope can cause records to be created, updated, sent, paid, voided, deleted, deactivated, or otherwise changed in QuickBooks when an authorized request is made. You are responsible for instructions given to your agents and for reviewing material actions before they occur.

CashVault provides controls to approve and revoke credentials, but cannot control data after it is delivered to an external agent or platform. That provider’s terms and privacy practices also apply.

QuickBooks snapshots may be delayed, incomplete, or affected by provider availability. CashVault therefore allows authorized users to confirm a manual effective balance. A manual override changes the balance used inside CashVault only; it does not correct QuickBooks. Returning to the stored QuickBooks snapshot is an explicit user action.

Scheduled payments, expected collections, budgets, projected margins, investment returns, and River projections are planning records based on information you enter. They are not bank transactions, accounting entries, guarantees of payment, or a substitute for reconciling your books and bank accounts.

As of the effective date, the public Service does not enroll users in an automatically renewing CashVault subscription through the application. Approved access and connector launch access may be offered without in-app recurring billing unless you and CashVault separately agree in writing to paid terms.

If we introduce a paid plan, we will disclose the price, billing interval, renewal terms, taxes, cancellation method, and any refund terms before charging you. We will obtain the affirmative agreement required by applicable law. This Agreement alone does not authorize CashVault to charge a payment method or start an auto-renewing subscription.

The Service relies on third-party services, including Supabase for authentication and database infrastructure and Intuit for QuickBooks Online. External AI agents, MCP clients, email delivery, and hosting services may also be involved when you choose or use those features. Third-party services are governed by their own terms and may change, suspend, or discontinue independently of CashVault.

CashVault is a planning and connectivity tool. It does not provide financial, investment, accounting, tax, or legal advice and is not a bank, payment processor, accounting firm, investment adviser, or fiduciary. Projections, summaries, agent responses, and suggested actions may be incomplete or incorrect.

You are responsible for verifying balances, dates, recipients, documents, tax treatment, and all material decisions with your books, financial institutions, QuickBooks records, and qualified advisers. Do not rely on the Service as the sole basis for sending money, taking credit, making an investment, filing taxes, or making another significant decision.

We may update, limit, or discontinue parts of the Service and may perform maintenance without prior notice when reasonably necessary. We do not promise uninterrupted availability, permanent compatibility with a third party, or delivery of roadmap features. We will make reasonable efforts to preserve integrity of current records during ordinary operation.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." CASHVAULT DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICE, QUICKBOOKS DATA, PROJECTIONS, OR AGENT ACTIONS WILL BE ERROR-FREE, CURRENT, SECURE, OR SUITABLE FOR A PARTICULAR DECISION.

Some jurisdictions do not allow certain exclusions, so these disclaimers apply only to the extent permitted by applicable law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASHVAULT AND ITS SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING FROM THE SERVICE, QUICKBOOKS AVAILABILITY, MANUAL DATA, OR AN EXTERNAL AGENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASHVAULT’S TOTAL LIABILITY ARISING FROM THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID DIRECTLY TO CASHVAULT FOR THE SERVICE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR USD $100. THIS LIMIT DOES NOT APPLY WHERE LIABILITY CANNOT LEGALLY BE LIMITED.

You may stop using the Service at any time and may ask us to close eligible access by contacting martin@cashvault.ai. Organization owners may remove members, disconnect QuickBooks, and revoke agent credentials. Stopping use or disconnecting a provider does not by itself erase records that must be retained or that remain under an organization’s control.

We may suspend or terminate access for a material breach, security risk, unlawful use, nonpayment under a separate paid agreement, third-party requirement, or discontinuation of the Service. Sections that by their nature should survive termination, including ownership, disclaimers, liability limits, and dispute terms, will survive.

This Agreement and the Privacy Policy are the entire agreement for the generally available Service unless you and CashVault sign a separate order form or written agreement. If a separate signed agreement conflicts with this Agreement, the signed agreement controls for that conflict. If a provision is unenforceable, the remaining provisions remain in effect. You may not assign this Agreement without our consent; CashVault may assign it with a merger, acquisition, reorganization, or sale of relevant assets.

This Agreement is governed by the laws of the State of Delaware, without regard to conflict-of-law rules, except where mandatory consumer or local law applies. Before filing a claim, contact martin@cashvault.ai and allow 30 days for a good-faith attempt at informal resolution.

We may update this Agreement prospectively. We will post a new effective date and provide additional notice or obtain consent when required. Questions may be sent to CashVault AI at martin@cashvault.ai. Website: https://www.cashvault.ai.