1. Acceptance and Scope
These Terms of Service (“Terms”) are an agreement between CACHE Apps Inc. (“CACHE,” “we,” “us,” or “our”) and the individual or organization accessing the CACHE website, mobile apps, web app, and related services (collectively, the “Services”). By registering for, accessing, or using the Services, you agree to these Terms and our Privacy Policy at https://cacheapps.io/privacy. If you do not agree, do not use the Services.
If you use CACHE for an organization, you represent that you have authority to accept these Terms for that organization. In that case, “you” includes the organization and its authorized users, as the context requires. Any additional written agreement with CACHE will govern to the extent it expressly conflicts with these Terms.
2. Eligibility and Account Registration
CACHE is exclusively for individuals aged 18 or older who are legally capable of entering into a binding agreement. Anyone under 18 may not register for or use CACHE. You must provide accurate, current information and promptly update it when it changes.
You are responsible for protecting login credentials, managing access to your account, and activities carried out through it, except to the extent caused by CACHE’s own breach of its obligations or otherwise provided by law. Do not share passwords or permit unauthorized access. Notify security@cacheapps.io promptly if you suspect account compromise.
We may require reasonable verification of identity, authority, or account information to protect the Services and comply with law.
3. Services and Availability
CACHE provides tools for managing expenses, receipts, invoices, budgets, cash flow, financial records, reimbursements, documents, and related workflows. Available features depend on your plan, device, jurisdiction, and integrations. We may improve, add, discontinue, or modify features, subject to applicable law and any notice obligations in these Terms.
We work to maintain reliable service but cannot guarantee uninterrupted, error-free availability. Maintenance, outages, connectivity failures, and third-party service interruptions may affect access. We will take reasonable steps to communicate material disruptions when appropriate.
4. Free Beta, Plans, and Subscriptions
4.1 Public beta
CACHE’s public beta is scheduled to begin October 29, 2026. Eligible beta participants are offered two months of free access to the beta features made available to them. Bank connections are subject to availability and the applicable beta offer: the first 200 qualifying signups may receive one free bank connection, subject to capacity and any published eligibility details. Other beta users may use available beta features without a free bank connection. The beta offer is not a promise of indefinite free service.
Beta features may be experimental, incomplete, or subject to changes. We may invite feedback and may fix issues or adjust functionality during the beta. We will not charge users automatically at the end of their free beta solely because they participated.
4.2 Paid subscriptions
When paid plans become available, we will disclose their price, billing period, included features, applicable taxes, and renewal terms before you subscribe. Paid plans may be billed monthly or annually in advance, as shown at checkout. By affirmatively purchasing a plan, you authorize the applicable payment provider to collect the stated charges under the checkout terms.
We will provide at least 30 days’ advance notice before introducing billing that would affect existing beta access. Notice alone does not constitute your authorization to begin paid billing. If you do not choose a paid plan, access to paid features may end or become limited after the free period.
4.3 Changes, renewals, cancellation, and refunds
Plan upgrades may be prorated when offered and disclosed at checkout. Renewals and any price changes will be handled in accordance with the terms disclosed at purchase and applicable law. You can cancel a subscription through the channel where you purchased it, such as the applicable app store or account billing settings, where available. Cancellation generally stops future renewal charges; access may continue through the paid billing period unless otherwise stated at purchase or required by law.
Fees for partially used periods are generally non-refundable except where applicable law requires otherwise or a specific offer provides otherwise. App-store purchases and refunds may be governed by the relevant store’s billing and refund procedures. We will not restrict non-waivable statutory cancellation or refund rights.
5. Bank Connections and Flinks
CACHE may allow you to connect supported financial accounts through Flinks. By initiating a connection, you authorize the retrieval and use of financial information needed to provide the features you select, subject to the permissions presented during connection. These connections are intended for read-only retrieval of account information; they do not authorize CACHE to initiate bank withdrawals or transfers.
Your financial institution and Flinks may have separate terms and privacy notices. Connection availability, supported accounts, data accuracy, transaction refresh frequency, and historical coverage vary. You are responsible for reviewing imported data and correcting errors before relying on it. Disconnecting an account stops future retrieval through that connection, subject to provider processes, but does not automatically delete information previously imported into CACHE.
6. Invoicing, Stripe, and Payments
CACHE allows eligible users to create and send invoices and, where enabled, accept invoice payments through Stripe. Payment transactions are processed through the invoice creator’s connected Stripe account. CACHE does not hold the invoice creator’s customer funds in this arrangement. CACHE may receive a disclosed platform fee deducted as part of the payment flow.
Invoice creators are responsible for the accuracy and legality of their invoices, prices, taxes, descriptions, payment instructions, refunds, disputes, and obligations to their customers. Stripe determines payment processing availability and may apply its own verification, risk, fee, dispute, and payout requirements. CACHE is not responsible for a customer’s failure to pay an invoice or for Stripe’s independent decisions, except as required by law.
CACHE does not provide banking services, deposit insurance, or guarantees that an invoice will be paid. Any platform fees, where applicable, should be presented in the relevant payment or plan information.
7. CACHE AI and Automated Features
CACHE AI may use Anthropic’s Claude technology to help summarize, interpret, and answer questions about information available within your account, subject to the functionality and permissions of the feature. Inputs and relevant financial records may be processed by authorized AI service providers as described in our Privacy Policy.
AI responses may be incomplete, inaccurate, outdated, or unsuitable for your circumstances. You must independently review important figures, classifications, recommendations, and outputs before acting on them. CACHE AI does not provide regulated financial, investment, legal, accounting, or tax advice, and using it does not establish a professional-client relationship.
You must not use AI features to generate unlawful, deceptive, infringing, or otherwise prohibited content. Do not rely on AI output as the sole basis for tax filings, financial commitments, or legal decisions.
8. Team Members, Accountants, and Permissions
You may invite team members, accountants, or other authorized collaborators where the Services support that functionality. The account owner or organization administrator is responsible for determining who may access its information, assigning appropriate permissions, and promptly removing access when no longer needed.
Invited users must comply with these Terms. Access granted to an accountant or collaborator does not create a professional relationship between CACHE and that person, nor does CACHE verify the professional qualifications of invited users. Any accountant referral or partner program is separate from access granted through account invitations and may be subject to additional terms.
9. Your Content and Records
You retain ownership of the receipts, invoices, documents, financial information, and other materials you upload or provide (“Your Content”). You grant CACHE and its authorized service providers a limited, non-exclusive right to host, store, reproduce, process, transmit, and display Your Content solely as reasonably necessary to operate, secure, support, and improve the Services in accordance with our Privacy Policy and your instructions.
You represent that you have the necessary rights, authority, and permissions to upload and use Your Content, including personal information about employees, customers, vendors, or other individuals. You are responsible for maintaining accurate records, reviewing results, and keeping independent copies of records you need for business, accounting, or tax purposes.
10. Acceptable Use
You agree not to:
- Use CACHE for unlawful activity, fraud, money laundering, tax evasion, or other prohibited conduct.
- Misrepresent your identity or authority, impersonate another person, or create an account on someone else’s behalf without authorization.
- Upload malware, harmful code, unlawful content, or material that infringes another person’s rights.
- Attempt unauthorized access, probe vulnerabilities without permission, interfere with service availability, or circumvent security controls.
- Scrape, reverse-engineer, decompile, or misuse the Services except where expressly permitted by mandatory law.
- Use CACHE to violate the privacy, confidentiality, or intellectual property rights of others.
- We may investigate suspected misuse and take proportionate action, including restricting access, where permitted by law.
11. Intellectual Property
CACHE and its licensors own the Services, software, interfaces, trademarks, branding, and related intellectual property, excluding Your Content. We grant you a limited, revocable, non-exclusive, non-transferable right to use the Services for their intended purposes during your authorized access, subject to these Terms. No ownership of CACHE intellectual property is transferred to you.
If you provide suggestions or feedback, CACHE may use them to improve the Services without obligation to compensate you, subject to applicable law and without claiming ownership of your underlying personal information.
12. Privacy and Security
Our Privacy Policy at https://cacheapps.io/privacy explains how we collect, use, disclose, retain, and protect personal information. You can use the Security screen in the app (More → Security) for the functions made available there and may exercise applicable privacy rights as described in that policy.
For access, correction, deletion, consent, or privacy complaints, contact privacy@cacheapps.io. For security vulnerabilities, suspected account compromise, or security incidents, contact security@cacheapps.io. You must promptly notify us of suspected unauthorized access and cooperate reasonably in protecting your account.
13. Suspension and Termination
You may stop using CACHE and request account closure through available account settings or by contacting support@cacheapps.io. We may suspend or terminate access for material violations of these Terms, security threats, suspected fraud, legal obligations, or other serious misuse, with notice where reasonable and lawful. Where appropriate, we may provide an opportunity to remedy a violation.
Following ordinary cancellation or account closure, data may remain available for up to 90 days under our retention practices, subject to feature availability, legal retention obligations, and the Privacy Policy. An explicit personal-information deletion request is handled separately and ordinarily completed within 30 days, subject to applicable legal exceptions. Some financial records may be retained longer where law requires. Account closure does not erase obligations incurred before termination.
14. Third-Party Services
Certain features depend on third-party providers such as those described in our Privacy Policy. Third-party services may have separate terms and privacy practices, and availability may depend on their systems, rules, and geographic coverage. CACHE is not responsible for independent third-party acts or omissions beyond responsibilities imposed on CACHE by applicable law.
15. Disclaimers and Professional Advice
To the extent permitted by law, the Services are provided on an “as is” and “as available” basis, without guarantees of uninterrupted operation, error-free results, or fitness for a particular financial purpose. We do not disclaim warranties or protections that cannot legally be excluded.
CACHE is not a bank, accountant, tax preparer, lawyer, investment adviser, or financial adviser. The Services organize and present information but do not replace professional advice. You are responsible for checking financial records, tax classifications, reports, invoices, and filings before using or submitting them. Nothing in these Terms excludes liability for our own conduct where such exclusion is prohibited by law.
16. Limitation of Liability
To the maximum extent permitted by applicable law, CACHE and its officers, employees, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits, business opportunities, or data, arising from use of the Services, where such limitations are legally permitted.
To the maximum extent permitted by applicable law, CACHE’s aggregate liability arising out of or relating to the Services will not exceed the greater of (a) the fees you paid directly to CACHE for the Services during the 12 months preceding the event giving rise to the claim or (b) CAD $100. This limit does not apply where prohibited by law, including to liabilities that cannot lawfully be limited or excluded. Nothing in these Terms limits your mandatory consumer rights.
17. Indemnification
To the extent permitted by law, if your unlawful conduct, material breach of these Terms, or infringement of another person’s rights causes a third-party claim against CACHE, you agree to reimburse CACHE for reasonable losses, liabilities, and costs directly resulting from that claim. This obligation does not apply to the extent the claim results from CACHE’s negligence, misconduct, or breach of law, and is subject to mandatory consumer protections.
18. Changes to These Terms
We may update these Terms to reflect changes in law, security requirements, services, or business practices. We will provide at least 30 days’ email notice of material changes where reasonably possible, and any additional notice or consent required by law. Changes will not retroactively remove accrued rights or override mandatory legal protections.
If you do not agree to updated Terms, you may stop using the Services and cancel your account or subscription. Continued use after an effective date may indicate acceptance where legally permitted; where affirmative consent is required, we will request it.
19. Governing Law and Disputes
These Terms are governed by the laws of the Province of Alberta and the applicable federal laws of Canada, without regard to conflict-of-law principles. Subject to mandatory consumer protection laws and any rights to bring proceedings elsewhere, disputes relating to these Terms will be brought before courts of competent jurisdiction in Alberta, Canada.
Nothing in this section deprives consumers of rights or remedies that cannot be waived under the laws applicable to them. Before commencing formal proceedings, you may contact us at hello@cacheapps.io so we can attempt to resolve the concern informally.
20. General Provisions
If any provision is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law. A failure to enforce a provision is not a waiver of the right to enforce it later. You may not assign these Terms without our consent, except where law provides otherwise. CACHE may assign these Terms as part of a lawful business transaction, subject to applicable law. These Terms, the Privacy Policy, and any applicable plan or feature-specific terms form the agreement governing your use of the Services.
21. Contact
CACHE Apps Inc. · 202-191 Edwards Way SW, Airdrie, AB T4B 3E2, Canada
General Terms and legal inquiries: hello@cacheapps.io
Customer support: support@cacheapps.io
Privacy requests and complaints: privacy@cacheapps.io
Security issues and vulnerabilities: security@cacheapps.io
Website: https://cacheapps.io
CACHE Apps Inc. — Your Personal CFO.