End-User License Agreement

This End-User License Agreement (“Agreement” or “EULA”) is a legally binding contract between you (“User,” “you,” or “your”) and CashVault AI (“Company,” “we,” “us,” or “our”) governing your access to and use of the CashVault AI software-as-a-service platform, including all related web applications, mobile applications, APIs, integrations, and documentation (collectively, the “Service”).

By creating an account, clicking “I Agree,” or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you are entering into this Agreement on behalf of a business entity, you represent and warrant that you have the authority to bind that entity, and references to “you” include both you individually and that entity.

IF YOU DO NOT AGREE TO ALL TERMS OF THIS AGREEMENT, DO NOT ACCESS OR USE THE SERVICE.

1. Description of the Service

CashVault AI is an AI-powered cash flow management platform designed for project-based businesses. The Service provides tools to help you track, forecast, and manage cash flow across projects and client engagements. Key capabilities include:

• Financial data integration via QuickBooks Online and other third-party accounting platforms to import invoices, expenses, and transaction records.
• AI-powered analysis and recommendations using large language models provided by Anthropic (Claude) and OpenAI (GPT-4o) to generate cash flow insights, forecasts, and suggestions.
• Project and client management dashboards for tracking payment terms, cost of goods sold (COGS), and profitability at the project level.
• Cash position tracking including runway estimation, overhead allocation, and credit facility management.
• Secure cloud data storage via Supabase infrastructure hosted on AWS.

2. License Grant

Subject to your compliance with this Agreement and timely payment of any applicable subscription fees, CashVault AI grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your internal business purposes during the term of your subscription.

This license does not include any right to: (a) resell or make the Service available to third parties as a standalone service; (b) modify, adapt, or create derivative works based on the Service; (c) reverse engineer, decompile, or disassemble any component of the Service; or (d) use the Service in any manner not expressly authorized by this Agreement.

3. User Accounts and Registration

To access the Service, you must register for an account through Clerk, our third-party authentication provider. You agree to:

• Provide accurate, current, and complete registration information.
• Maintain the security of your credentials and not share your account access with unauthorized parties.
• Promptly notify us at martin@cashvault.ai of any unauthorized use of your account or any other breach of security.
• Accept responsibility for all activities that occur under your account, whether or not you authorized them.

We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or are being used in violation of this Agreement.

4. Third-Party Integrations and Services

4.1 QuickBooks Online Integration

The Service integrates with Intuit’s QuickBooks Online platform to access your financial data. By connecting your QuickBooks account, you:

• Authorize CashVault AI to access, retrieve, and display data from your QuickBooks account solely to provide the Service.
• Acknowledge that your use of QuickBooks is separately governed by Intuit’s terms of service and privacy policy, and that CashVault AI is not affiliated with or endorsed by Intuit Inc.
• Understand that the availability of QuickBooks integration depends on Intuit’s APIs and may be modified or discontinued by Intuit without notice to us.

4.2 AI Processing Services

The Service uses AI models provided by Anthropic (Claude) and OpenAI to analyze your financial data and generate insights. By using AI-powered features, you acknowledge that:

• Portions of your financial data may be transmitted to Anthropic’s and OpenAI’s servers for processing, subject to their respective data processing agreements and privacy policies.
• AI-generated outputs are provided for informational purposes only and do not constitute professional financial, accounting, tax, or legal advice.
• You are responsible for independently verifying all AI-generated recommendations before making any business decisions.

4.3 Authentication Services

Account authentication is managed by Clerk, Inc. Your use of the authentication service is subject to Clerk’s terms of service and privacy policy. CashVault AI is not responsible for the security practices or data handling of Clerk beyond what is required by our data processing agreements with them.

4.4 Data Storage

Your data is stored using Supabase infrastructure, which operates on Amazon Web Services (AWS). We apply industry-standard security measures to protect your data, as described in our Privacy Policy.

5. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party rights, including intellectual property rights and privacy laws.
• Upload, transmit, or store content that is unlawful, harmful, fraudulent, or misleading.
• Attempt to gain unauthorized access to any part of the Service, other users’ accounts, or any related systems or networks.
• Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.
• Scrape, crawl, or otherwise extract data from the Service using automated means without our prior written consent.
• Use the Service to provide cash flow management services to third parties as a bureau or managed service without a separate written agreement with CashVault AI.
• Circumvent, disable, or otherwise interfere with security-related features of the Service.

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Service, including all software, algorithms, interfaces, text, graphics, logos, and other content created by CashVault AI, is the exclusive property of CashVault AI and its licensors, protected by copyright, trademark, patent, and other intellectual property laws. This Agreement does not transfer any ownership rights to you.

6.2 Your Data

You retain full ownership of all data you submit to or generate through the Service (“User Data”). By using the Service, you grant CashVault AI a limited, worldwide, royalty-free license to host, process, transmit, and display your User Data solely as necessary to provide the Service and as described in our Privacy Policy.

6.3 Feedback

If you provide feedback, suggestions, or ideas regarding the Service (“Feedback”), you grant us a perpetual, irrevocable, royalty-free license to use, modify, and incorporate such Feedback into our products and services without any obligation to you.

7. Subscription and Payment Terms

Access to certain features of the Service requires a paid subscription. By subscribing, you agree to the following:

• Billing: Subscription fees are billed in advance on a monthly or annual basis, as selected at the time of purchase.
• Auto-renewal: Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.
• Price changes: We reserve the right to change subscription prices with at least 30 days’ advance notice. Your continued use of the Service after a price change constitutes acceptance of the new pricing.
• Refunds: Subscription fees are generally non-refundable except as required by applicable law or as expressly stated in our refund policy.
• Taxes: You are responsible for all applicable taxes associated with your subscription, except where we are legally required to collect and remit taxes on your behalf.

8. AI-Generated Content Disclaimer

9. Confidentiality

Each party agrees to maintain the confidentiality of the other party’s non-public information that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and circumstances of disclosure. This obligation does not apply to information that: (a) is or becomes publicly known through no breach of this Agreement; (b) was rightfully known before disclosure; (c) is independently developed without use of confidential information; or (d) must be disclosed by law or court order.

Your financial data and business information submitted to the Service is treated as your confidential information. Please review our Privacy Policy for details on how we protect your data.

10. Disclaimers of Warranties

To the maximum extent permitted by applicable law:

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATIONAL CONTENT. CASHVAULT AI DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE, OR THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR CONTENT OBTAINED THROUGH THE SERVICE. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CASHVAULT AI, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages;
• Loss of profits, revenue, data, business opportunities, or goodwill;
• Business interruption or loss of business information; or
• Damages arising from reliance on AI-generated recommendations or forecasts,

EVEN IF CASHVAULT AI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE).

IN ANY CASE, CASHVAULT AI’S TOTAL CUMULATIVE LIABILITY TO YOU ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT PAID BY YOU TO CASHVAULT AI IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability, so the above limitations may not apply to you in full.

12. Indemnification

You agree to indemnify, defend, and hold harmless CashVault AI and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of this Agreement; (c) your violation of any applicable law or regulation; (d) your User Data or any content you submit to the Service; or (e) your violation of any third-party rights.

13. Term and Termination

13.1 Term

This Agreement is effective as of the date you first access the Service and continues until terminated as described herein.

13.2 Termination by You

You may terminate this Agreement at any time by cancelling your account through the Service settings. Upon cancellation, your access to paid features will continue until the end of your current billing period.

13.3 Termination by Us

We may suspend or terminate your account and access to the Service, with or without notice, if: (a) you breach any provision of this Agreement; (b) we are required to do so by law; (c) we determine that continued provision of the Service to you creates a legal, security, or reputational risk; or (d) we cease to offer the Service generally.

13.4 Effect of Termination

Upon termination: (a) your license to use the Service immediately ends; (b) we may delete your account and User Data in accordance with our data retention practices described in the Privacy Policy; and (c) provisions of this Agreement that by their nature should survive (including intellectual property, disclaimers, limitation of liability, and indemnification) will survive termination.

Upon request, we will make reasonable efforts to provide you an opportunity to export your data following termination of your subscription, unless termination was due to a breach of this Agreement.

14. Dispute Resolution and Governing Law

14.1 Informal Resolution

Before initiating formal legal proceedings, you agree to first contact us at martin@cashvault.ai to attempt to resolve any dispute informally. We will attempt to resolve disputes within 30 days of receiving notice.

14.2 Governing Law

This Agreement is governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions. You consent to the exclusive jurisdiction of state and federal courts located in Delaware for the resolution of any disputes arising under this Agreement.

14.3 Class Action Waiver

To the extent permitted by applicable law, you waive the right to participate as a plaintiff or class member in any purported class action, collective action, or representative proceeding related to your use of the Service.

15. General Provisions

15.1 Modifications to This Agreement

We reserve the right to modify this Agreement at any time. We will notify you of material changes by posting the updated Agreement on our website and, where appropriate, by sending an email to the address associated with your account. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Agreement.

15.2 Entire Agreement

This Agreement, together with our Privacy Policy and any applicable order forms or subscription agreements, constitutes the entire agreement between you and CashVault AI regarding the Service and supersedes all prior understandings and agreements relating thereto.

15.3 Severability

If any provision of this Agreement is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect.

15.4 Waiver

Failure by either party to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

15.5 Assignment

You may not assign or transfer this Agreement or any of your rights or obligations hereunder without our prior written consent. We may assign this Agreement in connection with a merger, acquisition, or sale of all or substantially all of our assets.

15.6 Force Majeure

Neither party will be liable for any failure or delay in performance due to causes beyond their reasonable control, including but not limited to acts of God, war, terrorism, pandemics, government actions, or third-party service failures.

16. Contact Information

If you have any questions about this Agreement, please contact us: