Terms of Service

1. Definitions

• "Account" means the registered profile required to access the Service.
• "Customer Data" means any data, files, financial records, content, or information that you or your Users submit to, import into, or generate through the Service, including data about your own contacts, leads, customers, vendors, employees, candidates, and team members.
• "AI Features" means features of the Service that use artificial intelligence or machine learning, as described in Section 14.
• "AI Output" means content, forecasts, categorizations, summaries, recommendations, or other results generated by AI Features.
• "Subscription" means a paid plan granting access to specified features for a defined billing period.
• "CFO Tokens" means the usage credits that power certain AI-driven features of the Service, as described in Section 5.6.
• "User" means any individual you authorize to access the Service under your Account, including administrators, team members, and invited users.
• "Documentation" means the usage guides and materials we make available for the Service.

2. Eligibility and Accounts

2.1 Eligibility

You must be at least 18 years old and capable of forming a binding contract. The Service is intended for business use by U.S.-based businesses and their authorized personnel and is not directed to consumers or to individuals or entities outside the United States.

2.2 Registration

You agree to provide accurate, current, and complete information when you create your Account and to keep it updated. Accounts must be registered by a human; automated or "bot" registrations are prohibited.

2.3 Account Security

You are responsible for safeguarding your credentials and for all activity that occurs under your Account, whether or not authorized by you. You agree to (a) keep credentials confidential, (b) require your Users to enable multi-factor authentication (MFA) where we make it available, and (c) notify us immediately at support@cfoptimizer.com of any suspected unauthorized access or security breach. We are not liable for any loss arising from your failure to comply with this Section, and if we believe credentials have been compromised or misused, we may reset them or suspend the Account.

3. The Service

Cash Flow Optimizer provides a cloud-based business operating platform whose modules may include a CRM with marketing, sales, and transaction-management tools (including lead-capture forms and landing pages, product catalogs, social-media publishing, email and social communication syncing, and calendar booking); task and project management with time tracking, proposal creation, and internal communications; accounts receivable and billing management; financial reporting, cash-flow forecasting, and data analytics, with accounting and bank-feed integrations; labor-cost (COGS) tracking; human-resources tools including applicant tracking, employee onboarding and offboarding, and culture/morale management; business-development and strategy tools; and AI-powered features.

We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes in accordance with these Terms. The Service may evolve, and we may add, modify, or remove features; we will use commercially reasonable efforts to give notice of material changes that materially and adversely affect core functionality.

4. Users, Teams, Administrators, and Firm-Managed Accounts

4.1 Administrators and Users

Your Account may be controlled by an account owner and one or more administrators who can invite Users, assign roles and permissions, access Customer Data, and manage or remove Users. You are responsible for configuring roles and permissions appropriately and for all acts and omissions of your Users. We may rely on instructions from your account owner and administrators.

4.2 Firm-Managed and Multi-Entity Accounts

If you are an accounting firm, bookkeeper, fractional CFO, consultant, or other advisor using the Service on behalf of your clients, or if you connect multiple business entities under one Account, you represent and warrant that you have obtained all necessary authorizations from each client and entity to connect their financial and other accounts and to use the Service on their behalf, and you are responsible for applying appropriate access controls to prevent data from being shared inappropriately among entities.

4.3 Account Transfers

If a dispute arises over Account ownership, we may, in our sole discretion and using our own verification methods, determine the rightful account owner or suspend the Account.

5. Subscriptions, Fees, and Billing

5.1 Fees

Certain features require a paid Subscription. You agree to pay all fees per the pricing and billing cycle presented at checkout or in an applicable order.

5.2 Authorization and Auto-Renewal

You authorize us and our payment processors to charge your designated payment method on a recurring basis. Unless you cancel before the renewal date, your Subscription automatically renews for a successive period of the same length, and you authorize us to charge the then-applicable fee.

5.3 Failed Payments

You must keep billing information current. If a charge fails, we may suspend the Service, and continued non-payment may result in termination.

5.4 Taxes

All fees are exclusive of taxes. You are responsible for all sales, use, and similar taxes, except taxes based on our net income.

5.5 Price Changes

We may change pricing upon at least thirty (30) days' notice; changes take effect at the start of your next billing cycle. Continued use after that date constitutes acceptance of the new pricing.

5.6 CFO Tokens

Certain AI-driven features of the Service — including the AI Assistant chatbot, social-media posting and chat-management integrations, comments management, and email and calendar integrations — are powered by CFO Tokens (also referred to as AI Agent Tokens; the terms are used interchangeably in our agreements). You may obtain CFO Tokens through a recurring CFO Token subscription tier, a one-time CFO Token pack, or both, as described on our pricing page. CFO Tokens obtained from subscriptions and one-time packs accumulate into a single balance per company profile, which is capped at 1,000,000 CFO Tokens; any purchase or renewal that would exceed the cap will not add tokens beyond it. CFO Tokens have no cash value, are not redeemable for cash, are not transferable between company profiles, and, except where required by applicable law, are non-refundable and non-creditable once purchased, including upon downgrade, cancellation, or termination of your Account. See Section 7 for our general refund policy.

6. Free Trials and Promotions

We may offer free trials or promotional plans, whose eligibility, duration, and limitations are described at the time of the offer. Unless you cancel before a trial ends, you authorize us to charge the applicable fee. Promotional offers are non-transferable, are not redeemable for cash, and may be modified or withdrawn at any time. We may modify or terminate trials at our discretion.

7. Refunds and Cancellation

You may cancel at any time from your Account settings; cancellation takes effect at the end of the then-current billing period, and you retain access until that date. All sales are final. Except where required by applicable law, fees already paid — including Subscription fees, CFO Token subscription tiers, and one-time CFO Token pack purchases — are non-refundable and non-creditable, and we do not provide pro-rated refunds or credits for partial periods or unused features, tokens, or access.

For example, if you purchase an annual Subscription and cancel six months into that annual access period, you will retain access through the end of the paid term, but the remaining, unused six months will not be refunded or credited — cancellation only stops the Subscription from renewing.

8. Acceptable Use

You agree not to, and not to permit any User or third party to:

• use the Service for any unlawful, harmful, fraudulent, deceptive, or infringing purpose, or to launder money, evade taxes, or process fraudulent transactions;
• reverse engineer, decompile, disassemble, or attempt to derive source code, algorithms, or trade secrets, or copy, modify, or create derivative works of the Service;
• resell, sublicense, lease, rent, or transfer access to the Service without our written permission;
• use the Service to build or benchmark a competing product or service;
• interfere with or disrupt the Service or its servers or networks, bypass security or rate limits, or upload viruses or malicious code;
• use bots, scrapers, or other automated means to access or extract data except through our published APIs;
• share, disclose, or misuse API keys or credentials, or permit unauthorized access;
• impersonate any person or misrepresent your identity, affiliation, or authority to connect accounts or submit data; or
• violate the intellectual property, privacy, publicity, contractual, or other rights of any third party.

These restrictions are supplemented by our Acceptable Use Policy, which is incorporated into these Terms by reference and which you also agree to. Violations may result in immediate suspension or termination and may be reported to law enforcement.

9. Customer Data; Ownership and License

9.1 Your Ownership

As between you and us, you retain all right, title, and interest in and to Customer Data. We claim no ownership of Customer Data.

9.2 License to Us

You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and create backups of Customer Data, and to otherwise use it, solely as necessary to operate, maintain, secure, support, and improve the Service and as described in our Privacy Policy. This license ends when you delete the relevant Customer Data or your Account, subject to our retention obligations and to Section 16.3.

9.3 Your Responsibility

You represent and warrant that you have all rights and permissions necessary to submit Customer Data and to authorize its processing under these Terms, and that your Customer Data and its use do not violate any law or third-party right. You are solely responsible for the accuracy, quality, and legality of Customer Data.

9.4 Backups

The Service is not a backup service. Although we maintain backups for our own operational purposes, you are responsible for independently maintaining your own backups of critical Customer Data, and you agree not to rely on the Service as your sole repository.

9.5 Forms, Landing Pages, Publishing, and Communication Syncing

If you use the Service to create lead-capture forms or landing pages, to publish or schedule social-media content, or to sync your email or social-media communications, you are solely responsible for the content you collect, publish, or import; for providing all privacy notices and obtaining all consents required on your forms and pages; for having the authority and a lawful basis to import and process the communications and third-party data involved; and for compliance with all applicable laws and the terms of any connected platform. We are not responsible for content you publish, for the acts of any social-media or communications platform (including account suspension or message delivery), or for data you collect or import through these features.

10. Data Protection; Controller and Processor Roles

Our handling of personal information is described in our Privacy Policy. As explained there, we act as a controller with respect to your Account, billing, website, and marketing data, and as a processor (or service provider) acting on your instructions with respect to Customer Data that includes personal information about your contacts, customers, employees, and others. You are the controller of that Customer Data and are responsible for having a lawful basis to collect it, for providing all legally required notices to and obtaining all required consents from the relevant individuals, and for responding to their privacy-rights requests. A Data Processing Addendum (DPA) governing our processing of Customer Data is available on request and, where required by law, forms part of these Terms.

11. Your Personnel and the HR/People Module

11.1 No Control Over Employment Decisions

If you use the HR, onboarding, performance, compensation, culture/morale, or related "people" features, you acknowledge that we exercise no control over, and are not responsible for, your human-resources practices or your decisions regarding hiring, promotion, advancement, discipline, compensation, benefits, or termination of any employee, contractor, or candidate. We do not have a direct relationship with your personnel; you are solely responsible for all communications with them and for the accuracy and completeness of information you make available to them.

11.2 Your Compliance

You are solely responsible for complying with all employment, labor, wage-and-hour, anti-discrimination, benefits, tax, and privacy laws applicable to your workforce, for adopting and posting your own privacy notices governing your treatment of personnel data, and for providing all required notices to your personnel. We do not provide legal, HR, or compliance advice.

11.3 Compensation and Rewards Outputs Are Informational

Any compensation figures, commission calculations, labor-cost (COGS) estimates, total-rewards summaries, equity or valuation figures, or similar outputs generated in the Service are for general informational purposes only, are hypothetical and subject to change, and are not a forecast, promise, offer, or guarantee of any compensation or benefit and not financial, tax, or legal advice. You are solely responsible for fulfilling any offers or compensation you extend and for verifying all figures. WE MAKE NO REPRESENTATION OR WARRANTY AND TAKE NO RESPONSIBILITY FOR ANY EMPLOYMENT OR COMPENSATION DECISIONS OR OFFERS MADE USING THE SERVICE.

11.4 AI and Automated Employment Decisions

The people, applicant-tracking, onboarding, and culture/morale features, and any AI features used together with them, may assist you in recruiting, screening applications and resumes, evaluating or ranking candidates or personnel, and assessing culture or morale. You are solely responsible for your use of these features in any employment-related decision and for compliance with all laws governing automated, algorithmic, or AI-assisted employment decisions and anti-discrimination, including, as and where applicable, New York City Local Law 144, the Colorado AI Act, the Illinois Artificial Intelligence Video Interview Act and Illinois biometric-privacy laws, Title VII of the Civil Rights Act, the Americans with Disabilities Act, the Age Discrimination in Employment Act, and guidance issued by the EEOC and other regulators. Where required, you are responsible for conducting or obtaining independent bias audits, providing candidate and employee notices and disclosures, offering accommodations and alternative processes, and maintaining meaningful human review of, and final responsibility for, every employment decision. You will not use any AI feature or AI Output as the sole basis for a hiring, promotion, evaluation, discipline, compensation, or termination decision. We do not audit the AI features for bias or for compliance with employment laws, make no representation that any feature satisfies any such law, and are not responsible or liable for any employment decision, action, or claim arising from your use of the Service.

12. Financial Reporting, Forecasting, and Analytics — Not a System of Record

You are responsible for maintaining your own official books and records, for independently verifying the accuracy and completeness of all reports, forecasts, projections, categorizations, and analytics, and for any decisions, filings, or actions you take based on them. Outputs of the Service do not constitute financial, accounting, bookkeeping, tax, investment, or legal advice, and are not a substitute for a qualified accountant, CPA, tax professional, financial advisor, or attorney. We do not guarantee that any output is accurate, complete, or suitable for any particular purpose, including tax filings or regulatory compliance.

13. Third-Party Integrations

13.1 Connections

The Service integrates with third-party platforms, including Intuit QuickBooks Online (via Intuit's official OAuth API), bank and credit-card connections via Plaid, and email, calendar, and social-media/messaging connectivity via Unipile — covering email providers (Google/Gmail, Microsoft 365/Outlook, and IMAP-based providers), calendar providers (Google Calendar and Microsoft/Outlook Calendar), and social-media and messaging platforms (currently LinkedIn, WhatsApp, Instagram, Telegram, and Facebook Messenger, as supported by Unipile and enabled in your account) — social-media publishing via postforme.dev, and payment processors (including Stripe). Depending on the permissions you grant and the features enabled in your account, Unipile-powered features may include sending and receiving messages, posting and retrieving comments and reactions, retrieving contact and profile information, and creating, editing, or deleting calendar events. Not all Unipile-powered features are available on every plan or may still be in active development. When you connect a third-party service, you authorize the flow of data between that service and the Service as necessary to provide the integration. Some integration providers process data outside the United States (for example, Unipile processes data in the European Union); see our Privacy Policy.

13.2 Third-Party Terms; No Responsibility

Your use of any third-party service is governed by that provider's own terms and privacy policy. We do not control and are not responsible for third-party services, their availability, accuracy, security, or how they process your data, and we make no warranty regarding them. Issues with a third-party platform should be directed to that provider. You are responsible for maintaining any licenses or rights needed to use a third-party service, and you may revoke our access at any time through the provider's settings or by disconnecting the integration; revoking access will not reverse actions already taken.

13.3 Your Authorization and Responsibility for Connected Accounts

You represent and warrant that you own, or are authorized to access and manage, each account you connect, and that you have the authority and a lawful basis to sync, import, publish, or otherwise process the data involved — including the communications and third-party personal data contained in any synced email, calendar, or social-media/messaging account. You are responsible for complying with the terms of each connected platform.

13.4 Platform Automation and Suspension Risk

Some connected platforms — including LinkedIn and WhatsApp — restrict or prohibit certain automated, bulk, or third-party-tool activity (for example, sending a high volume of connection requests, messages, or InMails, or posting comments in a repetitive or non-human-like pattern) and may rate-limit, flag, restrict, suspend, or terminate an account for activity they deem automated or abusive, regardless of whether that activity was initiated through the Service. You are solely responsible for using connected-account messaging, connection-request, and engagement features in a manner consistent with each platform's own terms, usage limits, and automation policies, and we are not liable for any restriction, suspension, or loss of access to a third-party account resulting from your use of the Service or a connected platform's enforcement of its own policies.

14. Artificial Intelligence (AI) Features and Outputs

14.1 AI Features

The Service includes AI Features that generate insights, forecasts, analytics, anomaly detection, categorizations, summaries, drafts, a conversational AI analyst, and (as they become available) AI bookkeeping, marketing, and administrative capabilities.

14.2 AI Providers

We provide AI Features through trusted third-party AI providers — currently Anthropic (Claude, including Claude Code), Google (Gemini), and OpenAI (ChatGPT/OpenAI API) — which we access exclusively through their paid business, enterprise, or developer APIs. You acknowledge that your AI Input and AI Output, including relevant Customer Data, will be shared with and processed by these providers to deliver the AI Features. As described in our Privacy Policy, we do not use your identifiable personal data, financial data, or Customer Data to train general-purpose or foundation AI models, and, under the applicable paid API terms of these providers, your data is not used to train their models.

14.3 Your Responsibility for AI Input and Output

You are responsible for the content you submit to AI Features ("AI Input") and for your use of AI Output, and you represent that you have all rights necessary to submit the AI Input and use the AI Output.

14.4 Nature and Limitations of AI Output

You acknowledge and agree that AI Output: (a) may contain errors, omissions, or inaccuracies and may not be reliable; (b) does not constitute financial, accounting, bookkeeping, tax, legal, or investment advice; (c) should be independently reviewed and verified by you, and by a qualified professional where appropriate, before you rely on it; (d) may not be unique and may be similar to output generated for other users; and (e) may vary for similar inputs due to the probabilistic nature of AI.

14.5 Human Oversight and Review Obligation

AI Features are designed to assist, not replace, your judgment. You agree to review AI Output on a regular basis, to use the tools provided to review, approve, or override AI-generated actions, and to promptly correct errors you identify. Your failure to review AI Output does not transfer any liability to us. You remain ultimately responsible for the accuracy and completeness of your records and decisions.

14.6 Availability and Changes

We do not guarantee the availability of any AI Feature and may add, modify, or discontinue AI Features at any time. Any downtime of an AI Feature caused by a third-party AI provider is outside our control.

15. Communications: Email, SMS/Text, and Calls

15.1 Service Communications

By creating an Account, you agree we may send you administrative, transactional, and service communications, and (where permitted) marketing communications, consistent with our Privacy Policy. You may opt out of marketing emails via the unsubscribe link.

15.2 SMS/Text Messaging

The Service may send and enable text messages (for example, verification, alerts, and accounts-receivable reminders). You are solely responsible for compliance with all laws applicable to any messaging you send using the Service, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM, and carrier requirements, including obtaining all necessary consents and providing required notices and opt-outs. Any carrier penalties assessed in connection with your use may be passed through to you. Message and data rates may apply; recipients can opt out of marketing texts by replying STOP.

15.3 Call Recording

We do not currently record or transcribe calls. If call recording or transcription is introduced, you are solely responsible for complying with all applicable recording, wiretapping, and consent laws, including obtaining any required consent of all parties in jurisdictions that require it, and we make no representation that any feature will ensure your compliance.

15.4 Electronic Communications Consent

You consent to receive communications and to transact with us electronically, and you agree that electronic notices, agreements, and disclosures satisfy any legal requirement that such communications be in writing.

16. Intellectual Property; Feedback; Usage Data

16.1 Our IP

The Service, including all software, models, interfaces, designs, trademarks, logos, and underlying technology, is owned by us or our licensors and protected by intellectual-property laws. Except for the limited access rights granted in these Terms, no rights are granted to you, expressly or by implication. You may not remove or alter any proprietary notices, and our name and logos may not be used without our prior written permission.

16.2 Feedback

If you provide suggestions, ideas, or other feedback about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable license to use and incorporate the Feedback for any purpose without obligation or compensation to you.

16.3 Usage and Aggregated Data

We own all operational, performance, and usage data and metadata generated in connection with the Service, and we may collect, use, and disclose such data, and any aggregated, anonymized, or de-identified data (which does not identify you, your business, or any individual), for any lawful business purpose, including to operate, secure, analyze, benchmark, and improve the Service and to develop new features. We will maintain de-identified data in de-identified form and will not attempt to re-identify it except as permitted by law.

17. Publicity

With your permission, or as otherwise permitted by our agreement with you, we may identify you as a customer and use your name, business name, and logo in our marketing and on our website. If you have consented to a testimonial, quote, or case study and later wish to withdraw it, contact us as described in Section 35 and we will stop using it on a going-forward basis. You may request that we cease using your name and logo by contacting us.

18. Confidentiality

Each party may receive non-public information of the other ("Confidential Information"). The receiving party will (a) protect it with at least reasonable care, (b) use it only to exercise its rights and perform its obligations under these Terms, and (c) not disclose it to third parties except to personnel, advisors, or contractors with a need to know who are bound by confidentiality obligations. Confidential Information does not include information that is public through no fault of the receiving party, was already known without restriction, is independently developed, or is lawfully received from a third party. Either party may disclose Confidential Information as required by law, provided it gives reasonable notice where legally permitted.

19. Privacy and Security; Security Incidents

19.1 Privacy

We process personal information as described in our Privacy Policy and Cookie Policy.

19.2 Security

We maintain commercially reasonable administrative, technical, and physical safeguards designed to protect Customer Data. However, no method of transmission or storage is completely secure, and we do not guarantee absolute security.

19.3 Security Incidents

If we become aware of a security incident affecting your personal data that is caused by us, we will notify you and take remedial action as required by applicable law. You are solely responsible for security incidents caused by you or your Users, or by your failure to secure your systems, credentials, or Customer Data, and you will promptly notify us of any such incident. Where either party must notify affected individuals or regulators, it will give the other a reasonable opportunity to review the notice for accuracy where practicable.

20. Beta and Early-Access Services

We may offer beta, preview, or early-access features ("Beta Services"), including new AI capabilities. BETA SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, MAY CONTAIN BUGS OR ERRORS, AND YOU ASSUME ALL RISK OF USING THEM. We may modify, suspend, or discontinue Beta Services at any time, with or without notice, and without liability. We may require that your use of Beta Services be kept confidential and that you provide feedback, which we may use freely.

21. Affiliate/Referral Program

If you apply to and are approved for our affiliate/referral program, you participate as an independent contractor, and no partnership, employment, joint venture, or agency relationship is created. You agree to provide the information needed to administer the program and pay you, including tax information (such as an IRS Form W-9). Referrals are attributed using a unique affiliate code and/or referral link. Affiliate partners do not receive access to the personal data of customers who sign up through their code or link and can see only aggregate program information such as the number of referred sign-ups and commissions owed. We may modify or discontinue the program, and the applicable commission structure, at any time.

22. Prohibited Data (Health, Payment Card, and Other Sensitive Data)

Unless expressly agreed by us in writing, the Service is not intended for the collection, storage, or processing of: (a) Protected Health Information governed by the Health Insurance Portability and Accountability Act (HIPAA), unless you have executed a Business Associate Agreement with us; or (b) full payment-card / cardholder data governed by the PCI DSS, except as transmitted to our third-party payment processors for billing. You are responsible for not submitting such data outside of features designed for it, and you assume all risk and responsibility if you do.

23. Disclaimers of Warranties

We will use commercially reasonable efforts to make the Service available, but we do not commit to any specific uptime level, and the Service may be unavailable due to maintenance, updates, third-party failures, or events beyond our control. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

24. Limitation of Liability

24.1 Exclusion of Certain Damages

24.2 Aggregate Cap

24.3 Basis of the Bargain

The limitations in this Section reflect the agreed allocation of risk between the parties and are an essential basis of the bargain; we would not provide the Service without them.

24.4 Exceptions

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. Nothing in these Terms limits liability that cannot be limited or excluded under applicable law.

25. Indemnification

25.1 By You

You agree to defend, indemnify, and hold harmless Cash Flow Optimizer and its affiliates, officers, directors, employees, and agents from and against any third-party claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your or your Users' use or misuse of the Service; (b) your Customer Data, AI Input, or content; (c) your violation of these Terms or any law or regulation; (d) your infringement or violation of any third-party right, including intellectual-property, privacy, publicity, or contractual rights; (e) any employment or compensation decision or action you take using or based on the Service, or the inaccuracy or incompleteness of information you make available to your personnel or candidates; and (f) your messaging, recording, or communications activities.

25.2 By Us (IP)

We will defend you against a third-party claim that the Service, as provided by us and used in accordance with these Terms, infringes that third party's U.S. intellectual-property rights, and will indemnify you for damages finally awarded or agreed by us in settlement, provided you promptly notify us, give us sole control of the defense and settlement, and reasonably cooperate. We have no obligation for claims arising from (i) modification of the Service by anyone other than us, (ii) combination of the Service with products, services, or data not provided by us, (iii) use outside these Terms, or (iv) Customer Data.

25.3 Procedure

The indemnified party will give prompt notice, allow the indemnifying party to control the defense (no settlement requiring an admission or payment by, or imposing an obligation on, the indemnified party without its consent), and provide reasonable cooperation. Failure to give prompt notice relieves the indemnifying party only to the extent materially prejudiced.

26. Term, Suspension, and Termination

26.1 Term

These Terms apply from your first use of the Service until terminated. Subscriptions continue for the selected billing period and renew per Section 5.2.

26.2 Suspension/Termination by Us

We may suspend or terminate your access, with or without notice: (a) immediately, for violation of the Acceptable Use Policy, non-payment, or conduct that creates security or legal risk; (b) for other material breaches not cured within 30 days of notice; (c) if required by law or by a third-party provider (for example, Intuit or Plaid revoking access); or (d) if providing the Service to you is no longer commercially viable, in which case we will make reasonable efforts to notify you.

26.3 Termination by You

You may terminate by cancelling per Section 7.

26.4 Effect of Termination

Upon termination, your right to use the Service ceases, and we will disconnect connected integrations. You may export Customer Data for thirty (30) days after termination (except where terminated for non-payment or Acceptable-Use violations), after which we may delete or de-identify it in accordance with our Privacy Policy, subject to legal retention requirements. Provisions that by their nature should survive — including Sections 9, 10, 11, 12, 14, 16, 17, 18, 19, 22, 23, 24, 25, 27–35 — survive termination.

27. Dispute Resolution; Binding Arbitration; Class-Action Waiver

27.1 Informal Resolution

Before initiating any formal proceeding, the parties agree to attempt in good faith to resolve any dispute informally by written notice, allowing at least thirty (30) days.

27.2 Binding Arbitration

Except for Excluded Disputes (Section 27.4), any dispute arising out of or relating to these Terms or the Service will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its applicable rules. Judgment on the award may be entered in any court of competent jurisdiction. This arbitration provision is governed by the Federal Arbitration Act.

27.3 Class-Action and Jury Waiver

27.4 Excluded Disputes

Nothing in this Section prevents either party from (a) bringing an individual claim in small-claims court, or (b) seeking injunctive or equitable relief for actual or threatened infringement or misuse of intellectual property or Confidential Information.

27.5 Opt-Out

You may opt out of this arbitration agreement by sending written notice to privacy@cfoptimizer.com or the address in Section 35 within thirty (30) days of first accepting these Terms, stating your name, account, and intent to opt out. Opting out does not affect any other provision of these Terms.

28. Governing Law and Venue

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-laws principles, and excluding the U.N. Convention on Contracts for the International Sale of Goods. Subject to Section 27, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Kentucky for any dispute not subject to arbitration.

29. Time Limitation on Claims

Except as prohibited by applicable law, any claim arising out of or relating to these Terms or the Service must be filed within one (1) year after the claim arose; otherwise it is permanently barred.

30. Export Controls and Sanctions

You represent and warrant that you are not located in, and are not a national or resident of, any country subject to a U.S. Government embargo or designated as terrorist-supporting, and that you are not on any U.S. Government list of prohibited or restricted parties. You agree to comply with all applicable export-control and sanctions laws, including those administered by the U.S. Office of Foreign Assets Control (OFAC).

31. Mobile Applications and App Stores

If you download our mobile application from a third-party app store (such as the Apple App Store or Google Play), your use is also subject to that store's terms. You acknowledge that these Terms are between you and us only, not with the app-store provider, and that the app-store provider is not responsible for the Service or for support, maintenance, warranty, or claims relating to it. To the extent required, Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms with respect to your use of an Apple-distributed application, with the right to enforce them against you. You represent that you are not on any restricted-party list and are not in an embargoed country.

32. Changes to the Service and to These Terms

We may modify the Service as described in Section 3. We may also update these Terms from time to time. If we make material changes, we will provide notice by posting the updated Terms with a new "Last Updated" date and, where appropriate, by email or in-app notice. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance. If you do not agree, you must stop using the Service and may cancel per Section 7. Changes to address new features apply when you begin using those features.

33. Force Majeure

We will not be liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, pandemics, acts of government, war or terrorism, civil unrest, labor disputes (other than involving our own employees), internet or telecommunications failures, power outages, third-party service outages (including Intuit, Plaid, or our AI or hosting providers), and cyberattacks.

34. General Provisions

• Entire Agreement. These Terms, together with the Privacy Policy, Cookie Policy, any DPA, and any order forms or written agreements, are the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous agreements and communications. Any conflicting terms in your purchase order or similar document are void.
• Order of Precedence. In the event of a conflict, a signed written agreement or order form controls over these Terms, and these Terms control over other referenced policies except as expressly stated.
• Severability; Reformation. If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed, and the remaining provisions will remain in full force.
• No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our prior written consent; we may assign them, including in connection with a merger, acquisition, or sale of assets. These Terms bind and benefit the parties and their permitted successors and assigns.
• No Third-Party Beneficiaries. Except as stated in Section 31 (Apple), these Terms confer no third-party beneficiary rights.
• Relationship. The parties are independent contractors; no partnership, joint venture, agency, or employment relationship is created.
• Notices. We may provide notices by email, through the Service, or by posting on our website; notices to us must be sent to the address in Section 35. Notices are effective on receipt.
• English Language. These Terms are written in English, which governs; any translation is provided for convenience only.

35. Contact Us

RealtoResource, LLC dba Solidify Solutions (Cash Flow Optimizer)
Attn: Legal
Email: privacy@cfoptimizer.com  ·  Support: support@cfoptimizer.com
Mailing Address: 191 Prescott Lane, Winchester, KY 40391
Website: https://www.cfoptimizer.com

Frequently Asked Questions

Quick answers to the questions users ask most about these Terms.