Legal

Terms of Service

Last updated: April 7, 2026

These Terms of Service ("Terms," "Agreement") constitute a legally binding contract between you (individually or on behalf of the entity you represent) and CashCycle ("we," "us," "our," or the "Company"). By accessing, registering for, or using the CashCycle platform, website, APIs, integrations, or any related services (collectively, the "Service"), you agree to be bound by these Terms. If you do not agree, you must immediately cease all use of the Service.

1. Definitions

  • "User" means any individual who accesses or uses the Service, whether as an account holder, team member, or invited user.
  • "Organization" means the legal entity on whose behalf a User accesses the Service.
  • "Customer Data" means all data, content, files, invoices, contacts, bank transactions, communications, and other information uploaded, imported, created, or generated within the Service by or on behalf of a User or Organization.
  • "AI Features" means any functionality powered by artificial intelligence or machine learning, including but not limited to email generation, payment matching, cash flow forecasting, reply classification, dispute detection, OCR extraction, relationship scoring, and collection sequence suggestions.
  • "Subscription" means the paid or free plan under which you access the Service, as described in the pricing section of our website.
  • "Customer Portal" means the self-service interface through which your customers may view invoices, raise disputes, submit promises to pay, and upload remittance documents via token-based URLs.

2. Acceptance and Authority

By creating an account or using the Service, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into this Agreement; (c) if acting on behalf of an Organization, you have full authority to bind that Organization to these Terms; and (d) your use of the Service will comply with all applicable laws and regulations. If you do not have such authority, or if you do not agree to these Terms, you must not use the Service.

3. Description of Service

CashCycle is an AI-powered accounts receivable automation platform. The Service includes, but is not limited to: invoicing and invoice lifecycle management, automated collections and sequence workflows, AI-powered email generation and communication management, cash application and payment reconciliation, cash flow forecasting, analytics and reporting, a customer self-service portal, third-party integrations (Xero, QuickBooks, Stripe, PayPal, Gmail, Outlook, Slack, WhatsApp), action center and task management, role-based access control, and a developer API.

We reserve the right to modify, update, enhance, suspend, or discontinue any feature, module, or aspect of the Service at any time, with or without notice, at our sole discretion. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service or any part thereof.

4. Account Registration and Security

  • You must provide accurate, complete, and current information during registration and keep your account information up to date.
  • Each User must have their own individual account. Sharing account credentials is strictly prohibited.
  • You are solely responsible for maintaining the confidentiality and security of your account credentials, including passwords, API keys, and multi-factor authentication devices.
  • You are fully responsible for all activities that occur under your account, whether or not authorized by you.
  • You must notify us immediately at security@cashcycle.ai if you become aware of any unauthorized access to or use of your account.
  • We reserve the right to suspend or terminate any account that we reasonably believe has been compromised, is being used in violation of these Terms, or poses a security risk.

5. Your Data and Ownership

5.1 Data Ownership

You retain all ownership rights to your Customer Data. We do not claim any ownership, intellectual property rights, or proprietary interest in your invoices, contacts, bank transactions, communications, or any other Customer Data. We process your Customer Data solely to provide the Service as described in these Terms and our Privacy Policy.

5.2 License Grant to Us

By uploading or importing data into the Service, you grant us a limited, non-exclusive, worldwide, royalty-free license to use, process, store, transmit, and display your Customer Data solely as necessary to provide, maintain, and improve the Service. This license terminates when you delete your data or close your account, subject to our data retention obligations.

5.3 Aggregated and Anonymized Data

We may create aggregated, anonymized, or de-identified data derived from your use of the Service ("Aggregated Data"). Aggregated Data does not identify you or any individual and is not considered Customer Data. We may use Aggregated Data for any lawful purpose, including analytics, benchmarking, research, and improving the Service, during and after the term of this Agreement.

5.4 Your Responsibilities for Data

You are solely responsible for the accuracy, quality, legality, and appropriateness of all Customer Data. You represent and warrant that you have all necessary rights, consents, and authorizations to upload, import, and process the data you provide through the Service, including any data relating to your customers or third parties.

6. AI Features — Disclaimers and Responsibilities

6.1 Nature of AI Outputs

The AI Features are provided as productivity tools to assist you. AI-generated content — including drafted emails, payment match suggestions, cash flow forecasts, relationship scores, dispute detection signals, reply classifications, OCR extractions, and account summaries — are suggestions only and may contain errors, inaccuracies, or omissions.

6.2 Human Review Required

All AI-generated emails require your explicit approval before they are sent. All AI-generated match suggestions require your confirmation before payments are applied. You are solely responsible for reviewing, verifying, approving, editing, or rejecting any AI-generated output before acting on it or sending it to any third party.

6.3 No Guarantee of Accuracy

We make no representations or warranties regarding the accuracy, reliability, completeness, or suitability of any AI-generated output. AI models may produce incorrect, misleading, or inappropriate results. Cash flow forecasts are probabilistic estimates based on historical data and are not guarantees of future financial performance. Match suggestions are algorithmic proposals, not verified payment confirmations. You acknowledge that reliance on AI outputs is entirely at your own risk.

6.4 AI Data Processing

To provide AI Features, your data may be processed by third-party AI providers (including Azure OpenAI). We select providers with appropriate data protection standards, but we are not liable for the actions, omissions, or security practices of third-party AI providers. Use of AI Features constitutes your acceptance of this processing.

6.5 Compliance with AI-Generated Communications

You are solely responsible for ensuring that any AI-generated communication you approve and send complies with all applicable laws, including anti-spam legislation, data protection regulations, and consumer protection laws. We bear no responsibility for the content of communications you choose to send through the Service.

7. Email and Communications Disclaimer

7.1 Email Deliverability

We do not guarantee that emails sent through the Service will be successfully delivered to the intended recipient's inbox. Email delivery depends on numerous factors beyond our control, including recipient mail server configurations, spam filters, blacklists, DNS settings, sender reputation, and internet connectivity. We are not liable for any emails that are not delivered, are delayed, are routed to spam or junk folders, are bounced, or are otherwise not received by the intended recipient.

7.2 Automated Collection Sequences

When you configure and activate automated collection sequences, emails and messages will be sent to your customers automatically based on the rules and schedules you define. You are solely responsible for: (a) configuring sequences correctly and appropriately; (b) monitoring active sequences; (c) ensuring that automated communications comply with all applicable laws, including anti-spam and data protection regulations; (d) pausing or cancelling sequences when appropriate. We are not liable for any reputational damage, legal claims, lost business relationships, or regulatory penalties resulting from automated communications sent on your behalf, regardless of whether they were initiated manually or by automated playbook rules.

7.3 Email Tracking and Engagement Data

Email open and click tracking relies on tracking pixels and redirect links, which may be blocked or inaccurately reported by email clients, privacy tools, or browser extensions. We do not guarantee the accuracy of engagement metrics, and you should not rely on open or click data as the sole basis for business decisions or escalation actions.

8. Third-Party Integrations

8.1 Availability and Functionality

The Service integrates with third-party platforms including Xero, QuickBooks Online, Stripe, PayPal, Gmail, Outlook, Slack, and WhatsApp. These integrations rely on APIs, services, and infrastructure operated by third parties that are beyond our control.

8.2 No Responsibility for Third Parties

We do not control, endorse, or assume responsibility for the availability, accuracy, security, or functionality of any third-party service. Third-party services may change their APIs, terms, pricing, or functionality at any time, which may affect or disable integrations without prior notice. We are not liable for any loss, damage, or disruption caused by changes to, outages of, or issues with third-party services.

8.3 Your Responsibility

You are responsible for maintaining valid credentials and authorizations for all connected integrations. You are bound by the terms and privacy policies of each third-party service you connect. We are not a party to your agreements with third-party providers.

8.4 Safe Write-Back

Where we offer write-back functionality to connected accounting platforms (such as posting payment notes or attaching remittance documents), these operations are limited in scope and are provided on an "as-is" basis. We are not responsible for any data discrepancies, sync failures, or unintended modifications that may occur during write-back operations. You should always verify data in your source accounting system.

9. Customer Portal

The Customer Portal allows your customers to access invoices, raise disputes, submit promises to pay, and upload remittance documents via unique, token-based URLs without requiring authentication. You acknowledge that:

  • Portal access is controlled by unique tokens. Anyone with a valid token URL can access the associated invoice data.
  • You are responsible for the security and distribution of portal URLs to your customers.
  • We are not liable for unauthorized access resulting from token URLs being shared, intercepted, or compromised.
  • Actions taken by your customers through the portal (disputes, promises to pay, remittance uploads) are treated as legitimate actions from your customers, and we bear no responsibility for verifying the identity of portal users.

10. Billing, Payments, and Subscription

10.1 Plans and Pricing

The Service is available under various subscription plans (Free, Starter, Growth, Scale, Custom) with different feature limits. Current pricing is published on our website. We reserve the right to change pricing at any time; price changes for existing subscriptions will take effect at the start of the next billing cycle, with reasonable prior notice.

10.2 Billing

Paid subscriptions are billed monthly in advance through Stripe. By subscribing to a paid plan, you authorize us to charge your designated payment method on a recurring basis. You are responsible for keeping your payment information current.

10.3 No Refunds

All fees are non-refundable. This includes, without limitation: monthly subscription fees, annual subscription fees, fees for additional seats or usage, fees for plan upgrades, and any other charges. No refunds will be issued for partial months of service, unused features, plan downgrades, account suspensions due to violation of these Terms, service dissatisfaction, or any other reason whatsoever. By subscribing, you acknowledge and agree that you are not entitled to a refund under any circumstances.

10.4 Plan Changes

You may upgrade your plan at any time; upgrades take effect immediately, and you will be charged a prorated amount for the remainder of the current billing period. Downgrades and cancellations take effect at the end of the current billing period. Upon downgrade, access to features exceeding the new plan's limits may be restricted.

10.5 Usage Limits

Each plan includes limits on invoices, users, emails, OCR pages, AI summaries, bank transactions, and connections. Usage is tracked in real time. If you exceed your plan limits, certain features may be restricted until you upgrade or the next billing cycle begins. We are not liable for any disruption caused by enforcement of plan limits.

10.6 Taxes

All fees are exclusive of taxes unless stated otherwise. You are responsible for all applicable taxes, duties, and levies imposed by any taxing authority in connection with your use of the Service.

11. Acceptable Use

You agree not to use the Service to:

  • Violate any applicable law, regulation, or legal obligation, including data protection, anti-spam, anti-money laundering, and sanctions laws.
  • Send unsolicited, unauthorized, or spam communications.
  • Harass, threaten, defame, or abuse any individual or entity.
  • Upload, transmit, or store any content that is unlawful, harmful, fraudulent, deceptive, obscene, or infringing.
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
  • Attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems or networks.
  • Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, underlying algorithms, or architecture of the Service.
  • Interfere with, disrupt, or overburden the Service or its infrastructure, including through denial-of-service attacks, excessive API calls, or automated scraping.
  • Use the Service to process data in violation of any third party's privacy rights or intellectual property rights.
  • Circumvent, disable, or interfere with any security, rate limiting, or access control features of the Service.
  • Resell, sublicense, or redistribute access to the Service without our prior written consent.
  • Use the Service for any purpose that competes with CashCycle.

We reserve the right to investigate and take appropriate action against any violation of this section, including suspending or terminating your account without notice or refund.

12. Intellectual Property

12.1 Our Intellectual Property

The Service, including all software, algorithms, AI models, user interfaces, designs, trademarks, logos, documentation, APIs, and all related intellectual property, is owned exclusively by CashCycle and is protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in our intellectual property except the limited right to use the Service as permitted herein.

12.2 Feedback

If you provide us with any feedback, suggestions, ideas, or recommendations regarding the Service ("Feedback"), you hereby assign to us all rights in such Feedback and agree that we are free to use, disclose, reproduce, license, and otherwise exploit the Feedback without restriction, obligation, or compensation to you.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. To the fullest extent permitted by applicable law, we expressly disclaim all warranties, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
  • Accuracy and reliability: We do not warrant that the Service, its outputs (including AI-generated content, forecasts, match suggestions, relationship scores, compliance checks, or analytics), or any information provided through the Service will be accurate, reliable, complete, current, or error-free.
  • Availability: We do not warrant that the Service will be uninterrupted, timely, secure, or free from errors, bugs, viruses, or other harmful components. The Service may be subject to scheduled and unscheduled downtime, maintenance, updates, and outages.
  • Data integrity: We do not warrant that your Customer Data will not be lost, corrupted, or compromised. While we implement commercially reasonable security measures and backups, you are solely responsible for maintaining your own independent backups of all critical data.
  • Integration reliability: We do not warrant the continued availability, compatibility, or functionality of any third-party integration.
  • Financial outcomes: We do not warrant that the Service will result in faster payments, improved cash flow, reduced bad debt, or any particular financial outcome. The Service is a tool to assist your accounts receivable processes, not a guarantee of results.
  • Regulatory compliance: While the Service includes compliance checking features (UAE FTA, EU VAT, ZATCA, HMRC, IRS, CRA), these are provided as informational aids only. We do not warrant that the Service will ensure your compliance with any law, regulation, or standard. You are solely responsible for your own regulatory compliance.
  • Analytics and reporting: All analytics, dashboards, reports, charts, metrics (including DSO trends, aging buckets, collection rates, agent performance, and outstanding summaries) are derived from data you provide and are for informational purposes only. We do not warrant the accuracy, completeness, or timeliness of any analytical output. Business decisions made based on analytics are made at your own risk.
  • Data synchronization: We do not warrant that data synchronized from or to third-party services (Xero, QuickBooks, Stripe, PayPal) will be real-time, complete, or free from delay. Sync operations may be delayed, fail, or produce stale data. You should always verify critical data directly in your source systems.
  • Notifications and alerts: We do not warrant that in-app notifications, email alerts, or system messages will be delivered in a timely manner or at all. You should not rely solely on the Service's notification system for time-sensitive actions.
  • Backups and data recovery: While we perform regular backups, we do not guarantee that backups will be successful, complete, uncorrupted, or recoverable. You are solely responsible for maintaining independent backups of your data outside of the Service.
  • API and webhooks: We do not warrant uninterrupted availability, response times, or delivery guarantees for the developer API or webhook endpoints. API rate limits, outages, or webhook delivery failures may occur without notice.

You acknowledge that you are using the Service at your own risk and discretion. No advice or information, whether oral or written, obtained from us or through the Service shall create any warranty not expressly stated herein.

Without limiting the generality of the foregoing, we expressly disclaim any and all warranties, representations, and guarantees of any kind — whether express, implied, oral, written, or arising from course of dealing, course of performance, or usage of trade — with respect to every aspect, feature, function, output, and component of the Service, whether or not specifically enumerated in these Terms.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • No indirect damages: In no event shall CashCycle, its officers, directors, employees, agents, affiliates, successors, or assigns be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, revenue, goodwill, data, business opportunities, anticipated savings, or any other intangible losses, regardless of the cause of action or theory of liability (whether in contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.
  • Maximum liability cap: Our total cumulative liability for all claims arising out of or related to these Terms or the Service, regardless of the form of action, shall not exceed the lesser of: (a) the total fees you actually paid to CashCycle during the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred euros (€100). For users on a free plan, our maximum liability shall not exceed ten euros (€10).
  • Exclusions from liability: Without limiting the foregoing, we shall have no liability whatsoever for: (i) any loss, corruption, or unauthorized access to your Customer Data; (ii) any actions taken by you based on AI-generated outputs, forecasts, or suggestions; (iii) any errors, inaccuracies, or omissions in AI-generated content, match suggestions, or compliance checks; (iv) any failure, downtime, or unavailability of the Service or any third-party integration; (v) any unauthorized access to your account resulting from your failure to maintain adequate security measures; (vi) any actions taken by your customers through the Customer Portal; (vii) any regulatory penalties, fines, or legal consequences arising from your use of the Service; (viii) any financial losses, including uncollected receivables, incorrect forecasts, misapplied payments, or failed reconciliations; (ix) any loss resulting from reliance on the Service for tax, legal, or financial advice; (x) any loss resulting from interruption, modification, or discontinuation of the Service; (xi) any business decisions made based on analytics, reports, dashboards, relationship scores, or any other data displayed within the Service; (xii) any failure, delay, or inaccuracy in data synchronization between the Service and third-party platforms; (xiii) any missed notifications, alerts, or reminders, whether in-app, email, or otherwise; (xiv) any failure of backup or data recovery systems; (xv) any API downtime, webhook delivery failure, or rate limiting that affects your systems or workflows; (xvi) any actions taken by team members or invited users under your Organization's account, regardless of their assigned role or permissions; (xvii) any dispute outcomes, whether managed through the Service's dispute workflow or otherwise; (xviii) any damage to customer relationships arising from communications sent through the Service, whether manually composed, AI-generated, or sent via automated sequences; (xix) any other loss, damage, cost, or liability of any kind arising out of or in connection with your use of, inability to use, or reliance on the Service, its features, outputs, integrations, or any aspect thereof, whether or not specifically enumerated in these Terms, and regardless of the legal theory upon which such claim is based.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

14.1 Assumption of Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS ENTIRELY AT YOUR SOLE RISK. You assume full responsibility for all risks associated with your use of the Service, including but not limited to risks related to data accuracy, data loss, financial outcomes, regulatory compliance, customer communications, integration reliability, AI output quality, and any other aspect of the Service, whether or not specifically described in these Terms. This assumption of risk applies to all features, functions, and components of the Service, including those that may be added, modified, or discontinued in the future.

14.2 Sole and Exclusive Remedy

YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISSATISFACTION WITH THE SERVICE, ITS FEATURES, ITS OUTPUTS, OR ANY ASPECT OF THESE TERMS IS TO STOP USING THE SERVICE AND CLOSE YOUR ACCOUNT. You agree that this remedy is adequate and that you are not entitled to any other form of relief, whether monetary, equitable, injunctive, or otherwise, except as expressly provided in these Terms and to the extent permitted by mandatory applicable law.

14.3 No Reliance

You acknowledge and agree that you have not relied on any statement, representation, warranty, promise, or assurance made by CashCycle or any of its employees, agents, or representatives that is not expressly set forth in these Terms. No oral or written information or advice given by CashCycle shall create any warranty or obligation not expressly stated herein. You assume full responsibility for your decision to use the Service and for evaluating whether the Service is suitable for your needs.

14.4 Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

14.5 Limitation on Remedies

You agree that, to the fullest extent permitted by applicable law, you shall not be entitled to seek or obtain injunctive or other equitable relief against CashCycle, and you hereby waive any right to seek such relief, except where such waiver is prohibited by mandatory law. In jurisdictions where such waiver is not permitted, any injunctive relief shall be limited to the minimum scope necessary and shall not include any order requiring the modification, enhancement, or continuation of the Service or any feature thereof.

15. Indemnification

You agree to indemnify, defend, and hold harmless CashCycle, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or related to:

  • Your use of the Service or any activity under your account.
  • Your breach of these Terms or any applicable law or regulation.
  • Your Customer Data, including any claim that your data infringes or violates any third party's rights.
  • Any AI-generated content you approve, send, or act upon.
  • Any communications sent to your customers through the Service.
  • Any claims brought by your customers, end users, or any third party in connection with your use of the Service.
  • Your failure to comply with applicable data protection, anti-spam, tax, or other laws.
  • Your use of any third-party integration connected through the Service.
  • Any regulatory investigation, inquiry, fine, or penalty directed at CashCycle that arises from or is related to your use of the Service, your Customer Data, or your failure to comply with applicable laws.
  • Any claim arising from the actions or omissions of your team members, invited users, or any person who accesses the Service using your account credentials.

16. Termination

16.1 Termination by You

You may cancel your subscription and close your account at any time through your account settings or by contacting us. Cancellation takes effect at the end of the current billing period. No refunds will be issued for the remaining portion of any prepaid period.

16.2 Termination by Us

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, at our sole discretion. Reasons for termination may include, but are not limited to: violation of these Terms, non-payment of fees, suspected fraudulent or illegal activity, extended inactivity, a court order or legal requirement, or any conduct that we determine, in our sole discretion, is harmful to other users, third parties, or our business interests.

16.3 Effects of Termination

Upon termination: (a) your right to access and use the Service ceases immediately; (b) we may delete your Customer Data in accordance with our data retention policy (within 90 days, subject to legal holds); (c) all fees owed through the date of termination remain due and payable; (d) sections of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 5.3, 12, 13, 14, 15, 18, 19, 22, 25, 28, 29, and 30.

16.4 Data Export

We recommend that you export your data before closing your account. While we will endeavor to make data available for export for a reasonable period after termination, we are under no obligation to do so and shall not be liable for any data that is not exported prior to account closure.

17. Service Availability and Maintenance

  • We do not guarantee any specific uptime percentage or service level. The Service is provided on an "as available" basis.
  • We may perform scheduled or unscheduled maintenance at any time, which may result in temporary service interruptions.
  • We are not liable for any downtime, service interruptions, data loss, or other issues arising from maintenance, updates, or system failures.
  • We do not offer service level agreements (SLAs) unless separately agreed in writing for Custom plan customers.

18. Governing Law and Dispute Resolution

18.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Bulgaria and, where applicable, the laws of the European Union, without regard to conflict of law provisions.

18.2 Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation between the parties for a period of thirty (30) days. If the dispute cannot be resolved through negotiation, it shall be submitted to the exclusive jurisdiction of the competent courts in Sofia, Bulgaria. The proceedings shall be conducted in English. The court's decision shall be final and binding.

18.3 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against CashCycle.

18.4 Injunctive Relief

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.

18.5 International Users

The Service is available to users globally. By accessing the Service from outside Bulgaria, you acknowledge and agree that:

  • These Terms are governed by Bulgarian and EU law regardless of your location, and any disputes will be resolved through the courts of Sofia, Bulgaria as specified above.
  • You are solely responsible for compliance with all local laws, regulations, and requirements applicable to your use of the Service in your jurisdiction, including data protection laws (GDPR, CCPA/CPRA, PDPL, POPIA, LGPD, or any other applicable data protection framework), anti-spam legislation (CAN-SPAM, CASL, PECR, or equivalent), tax and invoicing requirements, anti-money laundering (AML) and know-your-customer (KYC) regulations, and any industry-specific regulations.
  • We make no representation that the Service is appropriate, lawful, or available for use in any particular jurisdiction. If the Service or any feature thereof is prohibited or restricted in your jurisdiction, you must not use it.
  • Compliance features within the Service (such as UAE FTA, EU VAT, ZATCA, HMRC, IRS, or CRA checks) are informational aids only and do not constitute a guarantee of compliance in any jurisdiction. You must independently verify compliance with the laws applicable to your business.
  • To the extent that any mandatory local consumer protection, data protection, or other law in your jurisdiction conflicts with these Terms, such mandatory law shall apply only to the minimum extent required, and all other provisions of these Terms shall remain in full force and effect.

19. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, epidemics, pandemics, war, terrorism, riots, civil unrest, government actions or sanctions, embargoes, labor disputes, strikes, fire, flood, earthquake, power outages, internet or telecommunications failures, cyberattacks, third-party service outages, hardware failures, or any other event beyond our reasonable control. During any such event, our obligations shall be suspended for the duration of the event.

20. Data Import, OCR, and Document Processing

The Service allows you to import data from CSV files, Excel spreadsheets, PDF documents, and images using optical character recognition (OCR) and AI-powered extraction. You acknowledge and agree that:

  • OCR and AI-based document extraction are inherently imperfect technologies. Extracted data may contain errors, omissions, misinterpretations, or inaccuracies due to document quality, formatting, handwriting, language, or other factors.
  • You are solely responsible for reviewing and verifying all imported and extracted data before relying on it for any purpose, including financial reporting, payment application, or customer communication.
  • We are not liable for any errors, losses, or consequences arising from inaccurate data extraction, failed imports, duplicate records, incorrect field mapping, or data corruption during the import process.
  • CSV and Excel imports depend on correct file formatting and column mapping. We are not responsible for data errors resulting from improperly formatted source files.

21. Multi-Currency and Exchange Rate Disclaimer

The Service supports multiple currencies for invoicing, payment matching, and reporting. You acknowledge that:

  • Payment matching across currencies uses an FX tolerance (approximately 2%) to account for exchange rate fluctuations. Match suggestions involving different currencies are approximations and may not reflect actual exchange rates at the time of payment.
  • We do not provide real-time exchange rate data, currency conversion services, or foreign exchange advice.
  • Currency formatting, totals, and aggregations are provided for informational purposes only and should not be relied upon as authoritative financial records.
  • We are not liable for any financial losses arising from currency conversion discrepancies, exchange rate fluctuations, or multi-currency matching errors.

22. No Professional Advice

The Service does not constitute financial, legal, tax, accounting, or professional advice. CashCycle is a software tool designed to assist with accounts receivable processes. Nothing in the Service, including AI-generated outputs, analytics, forecasts, compliance checks, or reports, should be construed as professional advice of any kind. You should consult qualified professionals (accountants, lawyers, tax advisors, financial advisors) for matters requiring professional judgment. We are not liable for any decisions made or actions taken based on information provided by the Service.

23. Beta and Experimental Features

We may offer beta, preview, early access, or experimental features ("Beta Features") from time to time. Beta Features are provided "as is" without any warranty or commitment. We may modify or discontinue Beta Features at any time without notice. Beta Features may contain bugs, errors, or instabilities that could cause data loss or service disruption. Your use of Beta Features is entirely at your own risk, and our limitation of liability applies with particular force to Beta Features. We shall have no liability of any kind for any damages arising from your use of Beta Features.

24. Electronic Communications Consent

By using the Service, you consent to receive electronic communications from us, including emails, in-app notifications, and platform alerts. These communications may include service announcements, security alerts, billing notifications, product updates, and other operational messages. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

25. Statute of Limitations

You agree that any claim or cause of action arising out of or related to your use of the Service or these Terms must be filed within one (1) year after the claim or cause of action arose, regardless of any statute or law to the contrary. Any claim not filed within this one-year period is permanently barred. This limitation applies to all claims, whether based in contract, tort, statute, or any other legal theory.

26. Marketing Materials, Website Content, and UI Representations

All descriptions, features, capabilities, and benefits described on our website, marketing materials, blog posts, case studies, social media, sales presentations, and promotional content are provided for general informational purposes only. They are not warranties, guarantees, or contractual commitments. Product descriptions and feature lists represent our goals and intentions but may not reflect the current state of the Service at any given time. Features may be modified, delayed, or removed. Statements such as "get paid faster," "automate collections," "reduce DSO," or similar language are aspirational descriptions, not guarantees of specific outcomes. In the event of any conflict between marketing materials and these Terms, these Terms shall prevail.

Screenshots, product demos, video walkthroughs, UI mockups, and any other visual representations of the Service displayed on our website or marketing materials are illustrative only. They may depict features, interfaces, layouts, workflows, or data that differ from the actual Service. The actual platform interface, features, and functionality may vary significantly from what is shown in promotional materials due to ongoing development, updates, customization, plan-level restrictions, or regional differences. Visual representations may include simulated data, placeholder content, or features that are planned but not yet available, available only on certain plans, or have since been modified or removed. You should not rely on any visual representation as an accurate depiction of the current Service. No visual representation constitutes a contractual commitment to deliver or maintain any specific feature, interface, or functionality.

27. Customer Support Disclaimer

We may provide customer support via email, in-app messaging, documentation, or other channels. Any guidance, recommendations, troubleshooting advice, or best practices provided by our support team are offered in good faith on an "as-is" basis and do not constitute professional, financial, legal, tax, or accounting advice. We are not liable for any actions you take or decisions you make based on support interactions. Support response times are not guaranteed, and we do not offer guaranteed support availability unless separately agreed in writing.

28. Confidentiality

You acknowledge that in the course of using the Service, you may receive or have access to confidential or proprietary information belonging to CashCycle, including but not limited to: pricing, custom agreements, product roadmaps, technical documentation, API specifications, internal communications, and any information designated as confidential ("Confidential Information"). You agree to: (a) maintain the confidentiality of all Confidential Information; (b) not disclose Confidential Information to any third party without our prior written consent; (c) use Confidential Information solely for the purpose of using the Service as permitted under these Terms. This obligation survives termination of your account.

29. No Right to Audit

Unless required by applicable law or separately agreed in a written Custom plan agreement, you do not have the right to audit, inspect, or access our infrastructure, source code, security systems, data centers, sub-processor agreements, internal policies, or operational processes. We may, at our sole discretion, provide security documentation, certifications, or compliance reports to address reasonable security inquiries, but we are under no obligation to do so.

30. General Provisions

30.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and CashCycle regarding the Service and supersede all prior or contemporaneous agreements, representations, warranties, and understandings, whether written or oral.

30.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

30.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. A waiver of any provision shall be effective only if made in writing and signed by us.

30.4 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

30.5 Notices

We may provide notices to you via email to the address associated with your account, through the Service interface, or by posting on our website. You are responsible for keeping your email address current. Notices to us must be sent to legal@cashcycle.ai.

30.6 No Third-Party Beneficiaries

These Terms are for the benefit of the parties hereto and are not intended to confer any rights or benefits on any third party.

30.7 Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, agency, fiduciary, or employment relationship between you and CashCycle. Neither party has the authority to bind the other or incur obligations on behalf of the other.

30.8 Export Compliance

You shall comply with all applicable export control and sanctions laws and regulations. You shall not use the Service in any country or territory that is subject to comprehensive sanctions, or in violation of any applicable export or import laws.

31. Changes to These Terms

We reserve the right to modify these Terms at any time at our sole discretion. We will post updated Terms on this page and update the "Last updated" date. For material changes, we will make reasonable efforts to notify you via email or through the Service. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, your sole remedy is to discontinue use of the Service.

32. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. You further acknowledge that these Terms, together with the Privacy Policy, represent the complete and exclusive statement of the agreement between you and CashCycle, and that they supersede any prior or contemporaneous proposal or representation, whether written or oral, and any other communication between you and CashCycle relating to the subject matter of these Terms. You confirm that you have had the opportunity to seek independent legal advice before agreeing to these Terms.

33. Contact

For questions or concerns regarding these Terms, contact us at: