Terms of use
Effective date:
These terms cover Cash Flow Planner and cashflowplanner.app, provided by Momentum Apps, LLC (“we,” “us,” or “our”). By using the service, you agree to these terms. If you do not agree, do not use the service.
1. A planning tool
Cash Flow Planner helps you organize manually entered information and estimate future balances. It is not a bank, payment service, lender, or financial adviser. It does not hold money, move funds, pay bills, verify bank balances, or provide individualized financial, investment, tax, or legal advice.
Forecasts depend on your entries, starting balance, dates, schedules, and assumptions. The daily low assumes expenses clear before income on the same day. Real transactions, processing times, interest, fees, and bank holidays may differ. Verify balances and due dates with your financial institution and providers before making financial decisions. You remain responsible for payments, account monitoring, and your financial choices.
2. App license and acceptable use
App Store downloads are licensed under Apple’s Standard End User License Agreement unless a separate applicable license is provided. These terms supplement that license for our app and website; they do not replace Apple’s terms or reduce rights you have under applicable law.
Use the service lawfully and only with information you are authorized to use. Do not interfere with security or operation, misuse purchase or restore mechanisms, distribute unauthorized copies, or infringe others’ rights. Restrictions on copying or reverse engineering apply only to the extent permitted by law and applicable open-source licenses.
3. Free features and Pro purchases
The app includes free features and may offer an optional, one-time Pro purchase. Available features and the actual price are shown in the app and Apple’s purchase confirmation before you buy. A one-time purchase is not a recurring subscription. “Lifetime” access, where offered, refers to the supported life of the purchased product; it is not a promise of perpetual operation, all future products, or compatibility with every future device or operating system.
Apple processes purchases under its terms. Purchase access and restoration depend on the relevant Apple account, store availability, and validation services. Refund requests are handled through Apple under its policies and applicable law. We do not guarantee that a refund will be approved. Revoked or refunded purchases may lose Pro access.
4. Your data and devices
You retain ownership of the information you enter. You are responsible for its accuracy, keeping your devices and Apple account secure, and retaining any independent records you need. Synchronization uses iCloud and can be delayed or unavailable. The app is not a substitute for bank statements or official accounting records.
Deleting an account in the app can permanently remove its related data across synchronized devices. Uninstalling the app does not necessarily erase iCloud data or backups. Our privacy policy describes how information is handled.
5. Availability and third-party services
Features may depend on compatible devices, operating systems, internet access, iCloud, the App Store, and RevenueCat. Those services are subject to their own terms. We may update the app or change features to maintain or improve it. We do not promise uninterrupted availability or indefinite support. Applicable consumer rights remain in place if a change materially affects a paid feature.
6. Ownership
The app, website, original design, branding, and content belong to Momentum Apps, LLC or their respective licensors. Using the service does not transfer these rights to you. Third-party marks and components remain the property of their owners.
7. Disclaimers and responsibility
To the extent permitted by law, the service is provided “as is” and “as available,” without promises that forecasts will be accurate, errors will never occur, or the service will meet every need. We are not responsible for financial decisions made solely from a projection or for inaccurate information you enter.
To the extent permitted by law, we are not liable for indirect or consequential losses arising from use of, or inability to use, the service. Nothing in these terms excludes liability that cannot lawfully be excluded, including applicable liability for fraud, willful misconduct, or other non-excludable liability. Nothing removes mandatory consumer guarantees or statutory remedies.
8. Ending use and changes to terms
You can stop using the service at any time. Applicable license terms govern termination of the app license. We may restrict access to services we control for material misuse, subject to applicable law.
We may revise these terms as the service changes and will provide notice of material changes as required by law. The annual date above rolls forward automatically; that change alone does not create new obligations or change the terms. Mandatory protections and remedies in your jurisdiction continue to apply.
9. Contact
For support or questions about these terms, contact Momentum Apps, LLC at support@momentumapps.org.