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Terms of Service

Last Updated: 4 May 2026

These Terms of Service ("Terms") govern your use of the Cashiva mobile application ("Service"). By accessing or using Cashiva, you agree to be bound by these Terms.

If you do not agree, you must not use the Service.

1. ACCEPTANCE OF TERMS

By using Cashiva, you agree to these Terms and our Privacy Policy.

We may update these Terms at any time. Continued use of the Service after changes are made constitutes your acceptance of the updated Terms.

2. DESCRIPTION OF SERVICE

Cashiva is a personal financial management platform that allows users to:

  • Track income, expenses, bills, loans, credit cards, and savings
  • Create and manage budgets and financial plans
  • Automate recurring transactions
  • Monitor net worth over time
  • Receive AI-driven financial insights
  • Use SmartCart for shopping assistance
  • Access forecasting and analytics tools
  • Secure access using PIN and biometric authentication

The Service is provided "as-is" and subject to these Terms and applicable laws.

3. USER ACCOUNT AND REGISTRATION

Account Creation

You must provide accurate and complete information when creating an account.

Account Security

You are responsible for:

  • Keeping your password and PIN confidential
  • Not sharing your credentials
  • Notifying us of unauthorized access

You are responsible for all activity under your account.

Eligibility

You must be at least 13 years old (or the legal age in your jurisdiction).

Termination

We may suspend or terminate your account if you violate these Terms.

4. USER RESPONSIBILITIES AND ACCEPTABLE USE

You agree to:

  • Provide accurate financial data
  • Use the Service lawfully

You agree NOT to:

  • Engage in illegal activities
  • Attempt unauthorized access or hacking
  • Upload malware or harmful code
  • Commit fraud or financial crimes
  • Harass or abuse others
  • Reverse-engineer the Service
  • Copy or distribute intellectual property
  • Spam or engage in deceptive practices
  • Overload or disrupt the system

5. FINANCIAL DISCLAIMERS

No Financial Advice

Cashiva does NOT provide financial, legal, tax, or investment advice.

All insights, forecasts, and AI outputs (including Finley AI) are for informational purposes only.

Data Accuracy

We do not guarantee accuracy. Incorrect user input will result in incorrect outputs.

No Guarantee of Results

We do not guarantee financial improvement, savings, or outcomes.

Investment Use

Cashiva is NOT designed for investment or trading decisions.

6. SUBSCRIPTIONS AND BILLING

Plans

  • Free Plan (limited features)
  • Basic Plan
  • Premium Plan
  • Lifetime Plan (one-time purchase)

Billing

  • Subscriptions renew automatically
  • Charges occur at the start of each billing cycle
  • Upgrades may include prorated charges

Payments

Payments are securely processed via Stripe.

Cancellation

  • You may cancel anytime
  • Cancellation takes effect at end of billing cycle

Refunds

  • No refunds for unused time unless required by law
  • Lifetime plan is non-refundable

Price Changes

We may change pricing with prior notice.

7. INTELLECTUAL PROPERTY

All content, software, and design in Cashiva are owned by Cashiva.

You are granted a limited, non-transferable license for personal use.

You may NOT:

  • Copy or distribute the Service
  • Modify or reverse-engineer it
  • Remove ownership notices

User Data

You retain ownership of your data.

You grant Cashiva a limited right to use anonymized and aggregated data to improve the Service.

8. LIMITATION OF LIABILITY

"AS-IS" SERVICE

The Service is provided without warranties of any kind.

We do not guarantee:

  • Accuracy
  • Availability
  • Error-free operation

No Uptime Guarantee

We may experience downtime.

Liability Limitation

To the maximum extent permitted by law, Cashiva is NOT liable for:

  • Financial losses
  • Data loss
  • Service interruptions
  • Indirect or consequential damages

Liability is limited to the amount paid by you in the past 12 months.

9. DATA AND PRIVACY

Your data is handled according to our Privacy Policy.

Data Retention

Data is retained as needed and deleted upon request (subject to legal obligations).

Data Risks

While we use strong security measures, we cannot guarantee absolute security.

You are responsible for backing up critical financial data.

10. THIRD-PARTY SERVICES

Cashiva may integrate with third-party services.

We are not responsible for:

  • Their content
  • Their policies
  • Their failures

Your use of third-party services is governed by their terms.

11. MODIFICATIONS TO THE SERVICE

We may:

  • Modify features
  • Suspend services
  • Discontinue the Service

We are not liable for any resulting impact.

12. DISPUTE RESOLUTION

Governing Law

These Terms are governed by the laws of the jurisdiction where Cashiva operates.

Jurisdiction

Disputes will be handled in courts within the appropriate jurisdiction.

Resolution

You agree to attempt good-faith resolution before legal action.

13. TERMINATION

By You

You may delete your account at any time.

By Cashiva

We may terminate your account if you:

  • Violate these Terms
  • Engage in illegal activity
  • Compromise system integrity

Effect

Access ends immediately upon termination.

14. AI FEATURES (FINLEY AI)

  • AI outputs may not always be accurate
  • You must verify recommendations independently
  • Cashiva is not liable for decisions based on AI outputs

15. SMARTCART FEATURES

  • Product and pricing data may rely on third-party sources
  • Prices and totals are estimates
  • Taxes are approximate

Cashiva is not responsible for discrepancies.

16. AUTOMATION & RECURRING TRANSACTIONS

  • Automated entries depend on your settings
  • You are responsible for accuracy

Cashiva is not liable for:

  • Incorrect entries
  • Missed or duplicated transactions

17. SECURITY FEATURES (PIN & BIOMETRICS)

  • PINs are securely hashed
  • Biometric data is never stored by Cashiva

You are responsible for device-level security.

Cashiva is not liable for unauthorized access due to:

  • Device compromise
  • Biometric spoofing
  • Weak device security

18. INDEMNIFICATION

You agree to indemnify Cashiva against:

  • Claims arising from your misuse
  • Violations of these Terms
  • Financial losses from your actions

19. SEVERABILITY

If any part of these Terms is invalid, the rest remains enforceable.

20. ENTIRE AGREEMENT

These Terms and the Privacy Policy form the full agreement between you and Cashiva.

21. CONTACT

For questions:

Email: info@cashiva.online

⚠️ FINAL NOTE

  • ✔ App Store compliant
  • ✔ Play Store compliant
  • ✔ Legally structured
  • ✔ Covers payments, AI, security, and liability