Terms of Service

Welcome to CashCaptain. These Terms of Service ("Terms") govern your access to and use of the CashCaptain web application and services at cashcaptain.us (the "Service"). By creating an account or using the Service, you agree to these Terms.

1. Eligibility

You must be at least 18 years old and able to form a binding contract. The Service is provided in the United States; we make no representation that it is appropriate or available elsewhere.

2. Your Account

You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us at support@cashcaptain.us immediately if you suspect unauthorized access.

You agree to provide accurate information and to keep it up to date.

3. The Service

CashCaptain helps you view and analyze your personal finances by connecting to financial institutions through Plaid Inc. and presenting the resulting data in a unified dashboard. Features include transaction categorization, budgeting, recurring-charge tracking, and net-worth visualization.

CashCaptain is not a bank, broker-dealer, or financial advisor. We do not move money. The Service is a personal money-management tool; nothing on it constitutes financial, investment, legal, or tax advice. Always consult a qualified professional for those purposes.

4. Plaid

By connecting an account, you authorize Plaid to retrieve information from your financial institution on your behalf and share it with CashCaptain. Your use of Plaid is governed by Plaid's end-user terms and privacy policy at plaid.com/legal. You may disconnect a financial institution or delete your account at any time, which will cause us to revoke Plaid's access to that institution.

5. Acceptable Use

You agree not to:

• Use the Service for anything illegal or fraudulent
• Attempt to access another user's account or data
• Reverse engineer, scrape, or harvest data from the Service
• Disrupt or interfere with the Service or its security
• Use the Service to handle data that does not belong to you

6. Fees

CashCaptain is currently free to use. If we introduce paid plans, we will notify you in advance and give you the choice to accept the new terms or stop using the Service.

7. Termination

You may delete your account at any time from the Settings page. We may suspend or terminate your access if you violate these Terms or if your account creates a security or fraud risk.

Sections of these Terms that by their nature should survive termination (including sections 8, 9, 10, and 11) will survive.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that the data shown will be complete or accurate. Always verify financial information with your financial institution before acting on it.

9. Limitation of Liability

To the fullest extent permitted by law, CashCaptain will not be liable for indirect, incidental, special, consequential, or punitive damages, including lost profits or lost data. Our aggregate liability for any claim arising out of or relating to the Service will not exceed the greater of (a) the amount you paid us in the 12 months preceding the claim, or (b) US $100.

10. Indemnification

You agree to indemnify and hold CashCaptain harmless from any claim arising out of your misuse of the Service or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Disputes will be resolved exclusively in the state or federal courts located in Delaware.

12. Changes

We may update these Terms from time to time. Material changes will be announced by email. Continued use of the Service after changes take effect constitutes acceptance.

13. Contact

Questions? Email support@cashcaptain.us.