Effective Date: [7/20/25]
Welcome to CashSense Money Management ("CashSense," "the App," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of the CashSense mobile application and related services provided by DHD Software Development, LLC. By downloading, installing, or using CashSense, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using CashSense, you confirm that:
- You are at least 13 years of age (or the minimum age required in your jurisdiction)
- You have the legal capacity to enter into these Terms
- You agree to comply with all applicable laws and regulations
- If using on behalf of an organization, you have authority to bind that organization to these Terms
2. Description of Service
CashSense is a financial management application that allows you to:
- Track expenses and income transactions
- Create and manage budgets and financial goals
- Categorize and organize financial data
- Generate financial reports and insights
- Synchronize financial data across multiple devices
- Manage accounts, payees, and payers
- Set up watchlists and financial alerts
- Use additional features as they become available
We reserve the right to modify, suspend, or discontinue any aspect of the service at any time with reasonable notice.
3. User Account and Responsibilities
When using CashSense, you are responsible for:
- Providing accurate and complete financial information
- Maintaining the security of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized use
- Using the service only for lawful financial management purposes
- Keeping your financial data current and accurate
- Safeguarding any linked financial account information
4. Acceptable Use
You agree not to use CashSense to:
- Violate any applicable laws or regulations
- Engage in fraudulent or illegal financial activities
- Infringe upon the rights of others
- Upload or transmit harmful, offensive, or inappropriate content
- Attempt to gain unauthorized access to our systems or other users' data
- Interfere with or disrupt the service
- Use the service for commercial purposes without authorization
- Reverse engineer, decompile, or modify the application
- Share or distribute sensitive financial information inappropriately
5. Financial Data and Privacy
Your financial privacy is of utmost importance to us. Our collection, use, and protection of your personal financial information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using CashSense, you also agree to our Privacy Policy.
- We use bank-level encryption to protect your sensitive financial data
- Your financial information is never sold or shared with third parties for marketing purposes
- Any financial institution integrations require your explicit consent
- You maintain control over your financial data at all times
6. Intellectual Property Rights
CashSense and all related content, features, and functionality are owned by DHD Software Development, LLC and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the application for personal financial management purposes only.
- You retain ownership of your financial data and content
- We retain all rights to the CashSense application and related technology
- You may not reproduce, distribute, or create derivative works without permission
- The CashSense name, logo, and branding are our exclusive property
7. Financial Institution Integrations
CashSense may offer integrations with financial institutions and third-party services:
- All integrations are optional and require your explicit consent
- We use read-only access and industry-standard security protocols
- You can revoke access to any integration at any time
- We are not responsible for the actions or policies of third-party financial institutions
- Integration availability may vary based on your location and financial institution
8. Service Availability
While we strive to provide reliable service, we cannot guarantee that CashSense will be available at all times. The service may be subject to:
- Scheduled maintenance and updates
- Technical difficulties or outages
- Third-party service dependencies
- Financial institution connectivity issues
- Force majeure events beyond our control
9. Financial Disclaimers
IMPORTANT FINANCIAL DISCLAIMERS:
- CashSense is a financial management tool, not financial advice
- We do not provide investment, tax, or legal advice
- You are responsible for verifying the accuracy of all financial data
- We recommend consulting with qualified financial professionals for important decisions
- Past performance data does not guarantee future results
- We are not responsible for financial decisions made based on app data
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- CashSense is provided "as is" without warranties of any kind
- We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
- We are not liable for any indirect, incidental, special, or consequential damages
- Our total liability shall not exceed the amount you paid for the service in the past 12 months
- We are not responsible for financial losses resulting from app use or data inaccuracies
- We implement reasonable backup measures but are not liable for data loss
11. Indemnification
You agree to indemnify and hold harmless DHD Software Development, LLC from any claims, damages, or expenses arising from your use of CashSense, your violation of these Terms, your financial decisions, or your violation of any rights of another party.
12. Data Security and Backup
We implement industry-leading security measures to protect your financial data:
- Bank-level encryption for all data transmission and storage
- Regular security audits and penetration testing
- Secure authentication protocols including biometric options
- However, you are responsible for maintaining secure backups of your important financial data
- We recommend regularly exporting your data for your own records
13. Termination
These Terms remain in effect until terminated by either party. We may terminate or suspend your access to CashSense at any time for any reason, including violation of these Terms. You may stop using the service at any time. Upon termination:
- Your right to use CashSense will cease immediately
- You should remove the application from your devices
- Data retention will be governed by our Privacy Policy
- You may export your financial data before termination
- Any linked financial institution connections will be revoked
14. Updates and Modifications
We may update these Terms from time to time to reflect changes in our service, legal requirements, or financial regulations. We will notify you of material changes through the app or other reasonable means. Continued use of CashSense after changes constitutes acceptance of the updated Terms.
15. Governing Law and Dispute Resolution
These Terms are governed by the laws of [Your State/Country]. Any disputes arising from these Terms or your use of CashSense will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except for claims that may be brought in small claims court.
16. Severability
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. The unenforceable provision will be replaced with an enforceable provision that most closely matches the intent of the original.
17. Contact Information
If you have any questions about these Terms of Service, please contact us:
- Email: info@dhdsoftware.com
- Phone: (919) 750-8561
- Address: DHD Software Development, LLC
These Terms of Service were last updated on [7/20/25]. We encourage you to review these Terms periodically to stay informed about your rights and obligations when using CashSense Money Management.
