2. Confidentiality

2.1 Confidential Information

During your use of Cashflow Quotient™, you may have access to confidential information including but not limited to:

• Proprietary algorithms and methodologies
• Financial modeling techniques
• Software features and functionality
• Technical specifications and documentation
• Future product plans and roadmaps
• Beta testing feedback and results

2.2 Your Obligations

You agree to:

• Keep all confidential information strictly private
• Not share screenshots or details of the service publicly
• Not use confidential information for any purpose outside of the service
• Take reasonable measures to prevent unauthorized access
• Notify us immediately of any unauthorized disclosure

2.3 Duration

These confidentiality obligations continue even after you stop using the service or your account is terminated. You agree to delete or return any confidential information upon our request or when you stop using the service.

3. Standard Terms

3.1 Service Description

Cashflow Quotient™ provides financial modeling and forecasting services that allow you to:

• Model and visualize complex financial scenarios
• Track and forecast cashflow patterns
• Generate financial health metrics
• Analyze financial trajectories

4. Data and Privacy

4.1 Your Financial Data

To use Cashflow Quotient™, you may provide financial data for modeling and analysis. You agree that:

• You have the right to provide this data
• You are responsible for the accuracy of your data
• We may process your data to provide the service
• We will protect your data according to our Privacy Policy
• We do not share your individual data with third parties

4.2 Data Security

We implement industry-standard security measures to protect your data. However, no system is 100% secure. You acknowledge these inherent risks and agree to maintain appropriate security measures on your end.

5. Financial Disclaimer

CASHFLOW QUOTIENT™ IS NOT A FINANCIAL ADVISOR, BROKER, OR TAX ADVISOR

The service is intended only to assist you in your financial modeling and decision-making and is broad in scope. Your personal financial situation is unique, and any information and forecasts obtained through the service may not be appropriate for your situation.

• Models and forecasts are based on the data you provide
• Past performance does not guarantee future results
• Consult qualified professionals before making financial decisions
• We are not responsible for your financial decisions

6. Intellectual Property

6.1 Ownership

The Cashflow Quotient™ service, including all software, algorithms, designs, and documentation, is owned by us and protected by copyright and other intellectual property laws.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to use the service for your personal or internal business use, subject to these terms.

6.3 Restrictions

You agree not to:

• Copy or modify the software
• Reverse engineer the service
• Remove copyright notices
• Create derivative works
• Sell or sublicense the service

7. Limitation of Liability

7.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

We do not warrant that the service will be uninterrupted, error-free, or completely secure. You acknowledge that beta software may contain bugs and errors.

7.2 Limitation of Damages

IN NO EVENT SHALL CASHFLOW QUOTIENT™ BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

8. Termination

8.1 Termination by User

You may terminate your account at any time by following the instructions in the service. Upon termination, you will lose access to all features and data.

8.2 Termination by Cashflow Quotient™

We reserve the right to suspend or terminate your access to the service:

• For violation of these terms
• For abuse of the service
• To comply with law or regulation
• For any reason at our sole discretion

9. Changes to Terms

We may modify these terms at any time. We will notify you of significant changes by:

• Posting a notice in the service
• Sending an email to your registered address
• Requiring acceptance of updated terms

Your continued use of the service after changes constitutes acceptance of the new terms.

10. Dispute Resolution

10.1 Governing Law

These terms are governed by the laws of the State of Texas, without regard to its conflict of law principles.

10.2 Arbitration

Any dispute arising from these terms will be resolved through binding arbitration, conducted by a single arbitrator in Texas, in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

11. Contact Information

For questions about these terms or the service, contact us at:

• Website: www.cashflowquotient.com