1. Eligibility & Account Registration #
Age and Capacity Requirements
You must be at least the age of digital consent in your jurisdiction to create an account and use the Service. In most jurisdictions, this is between 13 and 16 years of age. If you are under the age of majority in your jurisdiction, you may only use the Service with the consent and supervision of your parent or legal guardian, who must agree to these Terms on your behalf.
Children under the applicable minimum age may only use the Service with verifiable parental consent in accordance with applicable laws, including the Children's Online Privacy Protection Act (COPPA) in the United States and similar regulations in other jurisdictions. Parents or guardians who register accounts for minors assume full responsibility for the minor's use of the Service.
By using the Service, you represent and warrant that you have the legal capacity to form a binding contract with Cashira, and are not barred from receiving services under the laws of your jurisdiction or other applicable jurisdictions.
Account Registration and Security
To access certain features of the Service, you must register for an account. During registration, you must provide accurate, current, and complete information as prompted by the registration process. You agree to maintain and promptly update your account information to keep it accurate, current, and complete.
Credential Security
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
- Use a strong, unique password for your Cashira account
- Enable multi-factor authentication where available
- Immediately notify us of any unauthorized use of your account or any other security breach
- Ensure that you properly log out from your account at the end of each session
- Not share your account credentials with any third party
Cashira will not be liable for any loss or damage arising from your failure to comply with these security obligations.
2. Subscriptions, Trials, Fees & Taxes #
Subscription Plans and Features
Cashira offers multiple subscription tiers with varying features and capabilities. The specific features available to you depend on your selected subscription plan. We reserve the right to modify, add, or remove features from any subscription tier at any time, with notice provided as described in Section 19.
Basic Plan
Our entry-level subscription offering limited features and capabilities, designed for individual users with basic budgeting needs.
Pro Plan
Enhanced features for individual users and small teams, including advanced analytics, priority support, and additional integrations.
Enterprise Plan
Comprehensive feature set for organizations, including API access, advanced security features, dedicated support, and administrative controls.
Billing and Auto-Renewal
Unless otherwise specified in your subscription agreement, all paid subscriptions automatically renew at the end of each billing cycle for successive periods of the same length. The billing cycle depends on your selected subscription term (monthly, annually, etc.).
Renewal Notice
We will provide you with advance notice of any price changes or subscription renewals. The notice period will comply with applicable legal requirements in your jurisdiction, typically ranging from 30 to 60 days before the renewal date.
Cancellation of Auto-Renewal
You may cancel auto-renewal at any time before the renewal date through your account settings or by contacting support. If you cancel auto-renewal, your subscription will remain active until the end of your current billing period, after which it will not renew.
6. Financial + Calendar Integrations (Read-Only) #
Read-Only Nature of Service
Cashira is a read-only financial aggregation service. We emphasize and reiterate that under no circumstances can Cashira move money, initiate payments, transfer funds, modify account balances, execute trades, or perform any other financial transactions. The Service is designed solely to retrieve, analyze, and display your financial information for budgeting and planning purposes.
You acknowledge and agree that Cashira acts as a passive conduit for your financial data and does not engage in any financial intermediation, payment processing, or funds transmission. We are not a financial institution, money services business, payment processor, or money transmitter under applicable laws.
Data Accuracy and Timeliness
Financial data provided through the Service is sourced from third-party financial institutions and data aggregators. This data may be delayed, incomplete, or inaccurate for various reasons, including but not limited to:
- Technical issues at financial institutions or data aggregators
- Scheduled maintenance or unscheduled downtime
- Data synchronization delays
- Incorrect categorization or classification
- Pending transactions that have not cleared
- Currency conversion approximations
Cashira does not guarantee the accuracy, completeness, timeliness, or reliability of any financial data displayed through the Service. You should always verify critical financial information directly with your financial institutions before making decisions based on information provided by Cashira.
We are not responsible for any losses, damages, or inconveniences resulting from reliance on inaccurate, delayed, or incomplete financial data provided through the Service.
14. Consumer Rights & Jurisdiction-Specific Terms #
General Consumer Rights
Cashira respects consumer rights worldwide and complies with applicable consumer protection laws in the jurisdictions where we operate. This section outlines key consumer rights and jurisdiction-specific terms that may apply to your use of the Service.
If any provision in these Terms conflicts with mandatory consumer protection laws in your jurisdiction, the consumer protection laws will prevail to the extent of the conflict.
EU/EEA Consumer Rights
If you are a consumer in the European Union or European Economic Area, you benefit from various mandatory consumer protection laws, including:
14-Day Withdrawal Right
Under the Consumer Rights Directive, you have the right to withdraw from this distance contract within 14 days without giving any reason. The withdrawal period expires 14 days from the day of the contract conclusion.
However, if you explicitly consent to the service beginning during the withdrawal period and acknowledge that you will lose your withdrawal right, the 14-day withdrawal period does not apply once the service has been fully performed.
To exercise the withdrawal right, you must inform us of your decision to withdraw by sending a clear statement to legal@cashira.app.
United States Consumer Rights
Various state laws provide additional consumer protections beyond federal requirements. Key state-specific provisions include:
California
Under California Civil Code Section 1789.3, California users are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
Other States
Various other states have specific consumer protection laws regarding auto-renewal subscriptions, cancellation rights, and privacy.
Nothing in these Terms limits any non-waivable rights you may have under your state's consumer protection laws.
15. Warranty Disclaimers #
No Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CASHIRA AND ITS AFFILIATES, LICENSORS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Service or the servers that make the Service available are free of viruses or other harmful components.
Accuracy Disclaimers
Cashira does not warrant or make any representations regarding the use or the results of the use of the Service in terms of their correctness, accuracy, reliability, or otherwise. We do not guarantee that:
- Financial insights, categorizations, or forecasts will be accurate
- Budgeting outcomes or financial goals will be achieved
- AI-powered suggestions will be appropriate for your specific circumstances
- Data from third-party services will be complete, timely, or accurate
- The Service will meet your specific requirements or expectations
You understand and agree that any material or data downloaded or otherwise obtained through the use of the Service is done at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material or data.
16. Limitation of Liability #
General Limitation
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CASHIRA, ITS AFFILIATES, DIRECTORS, EMPLOYEES, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE
- ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE
- ANY CONTENT OBTAINED FROM THE SERVICE
- UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF CASHIRA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Liability Cap
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF CASHIRA AND ITS AFFILIATES, LICENSORS, AND SUPPLIERS FOR ALL CLAIMS RELATING TO THE SERVICE SHALL BE LIMITED TO THE GREATER OF:
- THE AMOUNT OF FEES YOU PAID TO CASHIRA FOR USE OF THE SERVICE DURING THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM; OR
- ONE HUNDRED U.S. DOLLARS (USD $100)
FOR FREE USERS OR USERS OF TRIAL VERSIONS, OUR TOTAL LIABILITY SHALL NOT EXCEED FIFTY U.S. DOLLARS (USD $50).