Terms of Service

Last updated: January 2, 2026

1. Agreement to Terms

By accessing or using Tiny Cashflow ("the Service"), you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access the Service.

2. Description of Service

Tiny Cashflow is a personal finance tracking application that allows users to:

  • Track income and expenses
  • Manage multiple financial accounts
  • View net worth and cash flow projections
  • Sync data across devices (Premium feature)
  • Access the service via web, desktop, and mobile applications

Tiny Cashflow is a tracking tool only. We do not provide financial advice, investment recommendations, or access to your bank accounts.

3. Important Financial Disclaimer

NOT FINANCIAL ADVICE

Tiny Cashflow is a personal finance tracking tool, NOT a financial advisory service. We do not provide investment advice, tax advice, legal advice, or any other professional financial guidance.

  • All financial decisions you make based on information displayed in this app are solely your responsibility
  • Projections, forecasts, and calculations are estimates only and should not be relied upon for major financial decisions
  • You should consult qualified financial professionals before making significant financial decisions
  • We are not liable for any losses, damages, or adverse outcomes resulting from decisions made using this app

4. Data Security Disclaimer

We implement industry-standard security measures to protect your data, including:

  • Encryption of data in transit (TLS/HTTPS)
  • Secure password hashing
  • Regular security reviews

However, no system is completely secure. While we make best efforts to protect your data:

  • We cannot guarantee absolute security against sophisticated attacks, hacking, or data breaches
  • You acknowledge that storing financial information online carries inherent risks
  • We shall not be liable for unauthorized access to your account or data that occurs despite our security measures
  • You are responsible for maintaining the security of your account credentials
  • In the event of a security breach, we will notify affected users as required by applicable law

5. User Accounts

To access certain features, you must create an account. You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Providing accurate and complete information
  • Notifying us immediately of any unauthorized use

6. Acceptable Use

You agree not to:

  • Use the Service for any illegal purpose
  • Attempt to gain unauthorized access to any part of the Service
  • Interfere with or disrupt the Service
  • Transmit viruses or malicious code
  • Scrape or collect data from the Service without permission
  • Impersonate others or misrepresent your affiliation

7. Payment Terms

Premium subscriptions are billed through our payment partner, Paddle, who acts as the Merchant of Record. Paddle handles all payment processing, tax collection, and compliance.

  • Prices are displayed in your local currency where possible
  • Subscriptions automatically renew unless cancelled
  • You can cancel at any time from your account settings
  • See our Refund Policy for cancellation details

8. Your Data

You retain ownership of all data you enter into Tiny Cashflow. You are responsible for:

  • The accuracy of the financial data you enter
  • Maintaining backups of your important data
  • Ensuring you have the right to enter any data you provide

You can export or delete your data at any time. See our Privacy Policy for details on how we handle your data.

9. Intellectual Property

The Service and its original content (excluding user data), features, and functionality are owned by Tiny Cashflow and are protected by copyright, trademark, and other intellectual property laws.

10. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied. We do not warrant that:

  • The Service will be uninterrupted or error-free
  • Defects will be corrected
  • The Service is free of viruses or harmful components
  • The results from using the Service will meet your requirements

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • Tiny Cashflow and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages
  • This includes, but is not limited to: loss of profits, loss of data, financial losses, missed opportunities, or other intangible losses
  • We are not liable for any damages resulting from:
    • Financial decisions made using information from this app
    • Inaccuracies in calculations, projections, or displayed data
    • Service interruptions, errors, or downtime
    • Unauthorized access to your account despite security measures
    • Data loss or corruption
    • Third-party actions or services
  • Our total liability for any claims shall not exceed the amount you paid us in the 12 months prior to the claim

By using this Service, you acknowledge that you have read and understood these limitations and agree that they are reasonable given the nature of a personal finance tracking tool.

12. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe:

  • Violates these Terms
  • Is harmful to other users or the Service
  • Is fraudulent or illegal

You may delete your account at any time from your account settings.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

15. Contact Us

If you have any questions about these Terms, please contact us at:

Email: support@tinycashflow.com