Terms of Service
Effective date: August 17, 2026 · These terms govern your use of the CashFlow Android application ("the App"), published by palmer.technology ("we", "us").
1. Acceptance
By installing or using the App you agree to these Terms and to the Privacy Policy. If you do not agree, do not use the App.
2. What the App is — and is not
CashFlow is a personal budgeting and forecasting tool. Its projections, estimates, ranges, alerts, and verdicts are informational estimates only, computed from figures you enter yourself. They are:
- not financial, investment, tax, or legal advice, and not a substitute for advice from a qualified professional;
- not a statement of your actual bank balance — the App never connects to your financial institutions and only knows what you tell it;
- inherently uncertain — the App displays uncertainty ranges precisely because forecasts can be wrong, and actual outcomes may fall outside them.
Financial decisions you make while using the App are made at your own discretion and risk.
3. Your data, your device
All data you enter is stored locally on your device (see the Privacy Policy). You are responsible for your device's security and for any backups you wish to keep — the export feature exists for exactly that. If you delete the App or its data, we cannot recover it for you, because we never had it.
4. Free tier, advertising, and CashFlow Plus
- The free tier includes the App's core functionality and displays third-party advertising.
- CashFlow Plus is an optional auto-renewing subscription (monthly or yearly, with an introductory free trial where offered) that removes advertising and unlocks additional features. Prices are shown in the App before purchase.
- Billing, renewal, trial handling, and cancellation are processed by Google Play. You can cancel any time in Google Play's subscription settings; cancellation stops future renewals but does not refund the current period, except where Google Play's own refund policies or your local law provide otherwise.
- If a subscription lapses, additional ledgers beyond your first become read-only until it is renewed — your data is never deleted for non-payment.
- A legacy one-time ad-removal purchase remains honored forever for those who bought it, but is no longer sold.
5. Acceptable use
You may use the App for personal, non-commercial budgeting. You may not reverse-engineer, resell, or redistribute the App except where applicable law permits notwithstanding this term, and you may not use the App in violation of applicable law.
6. Intellectual property
The App, its design, and its content (excluding the data you enter, which is yours) are owned by us and protected by applicable intellectual-property laws. We grant you a personal, non-exclusive, non-transferable license to use the App on Android devices you own or control.
7. Disclaimer of warranties
THE APP 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, ACCURACY, OR NON-INFRINGEMENT. We do not warrant that the App will be error-free, that projections will be accurate, or that operation will be uninterrupted.
8. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY FINANCIAL LOSS, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE APP — INCLUDING DECISIONS MADE IN RELIANCE ON ITS ESTIMATES. WHERE LIABILITY CANNOT BE EXCLUDED, IT IS LIMITED TO THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS PRECEDING THE CLAIM. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.
9. Changes to the App or these Terms
We may modify or discontinue features of the App, and may update these Terms from time to time. Updated Terms take effect when posted at this address with a new effective date; continued use of the App after that constitutes acceptance. Material changes will be noted in the App's release notes.
10. Termination
You can stop using the App at any time by uninstalling it. We may suspend distribution of the App or terminate these Terms if you breach them. Sections 2, 3, 7, and 8 survive termination.
11. Governing law
These Terms are governed by the laws of the United States and the state of the publisher's residence, without regard to conflict-of-law principles, except where the mandatory consumer-protection law of your country of residence applies instead.