Terms of Service

Last updated: February 15, 2026

These Terms of Service ("Terms") govern your access to and use of the services provided by CashLayer ("we," "us," or "our"), including our website at cashlayer.ai and all related tools, integrations, reports, and communications (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. Description of Service

CashLayer provides AI-powered finance operations services for businesses, including automated cash position reporting, transaction classification, cash forecasting, and month-end close support. The Service connects to your cloud-based accounting platform (such as QuickBooks Online or Xero) via authorized OAuth integrations to access and analyze your financial data.

CashLayer is not an accounting firm, CPA practice, or financial advisory service. The outputs generated by our Service are informational and operational in nature and do not constitute financial, tax, legal, or investment advice.

2. Eligibility

You must be at least 18 years old and authorized to act on behalf of the business whose financial data will be connected to the Service. By using CashLayer, you represent that you have the authority to grant access to the connected accounting platform and to bind your organization to these Terms.

3. Account and Access

• You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
• You agree to provide accurate and complete information during registration and to keep it up to date.
• You must notify us immediately at hello@cashlayer.ai if you become aware of any unauthorized use of your account.

4. Accounting Platform Authorization

By connecting your accounting platform to CashLayer, you:

• Authorize CashLayer to access, retrieve, and process your financial data (invoices, bills, transactions, chart of accounts, customer and vendor records) as needed to provide the Service.
• Confirm that you have the right and authority to grant this access.
• Understand that you may revoke this authorization at any time by disconnecting CashLayer from your accounting platform's settings. Revocation will stop data access but will not retroactively delete data already processed.

CashLayer accesses your data in read-only mode. We do not modify, create, or delete any records in your accounting platform.

5. Use of AI and Data Processing

CashLayer uses artificial intelligence (including third-party AI language models) to analyze your financial data and generate reports, classifications, and recommendations. You acknowledge that:

• AI-generated outputs may contain errors or inaccuracies. You are responsible for reviewing and validating all outputs before acting on them.
• Summarized (not raw transaction-level) data may be sent to third-party AI providers for processing. These providers do not retain input data for model training when accessed via API.
• CashLayer is not liable for business decisions made based on AI-generated outputs.

6. Fees and Payment

• Fees for the Service are as described in your signed service agreement or proposal. If no separate agreement exists, the pricing displayed on our website at the time of enrollment applies.
• Setup fees are due upon commencement of onboarding. Monthly subscription fees are billed monthly in advance.
• All fees are non-refundable except as expressly stated in your service agreement.
• We reserve the right to modify pricing with 30 days' written notice.

7. Your Responsibilities

You agree to:

• Maintain accurate and up-to-date records in your accounting platform.
• Review CashLayer's outputs and reports for accuracy before relying on them for business decisions.
• Not use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
• Not attempt to reverse-engineer, decompile, or extract source code from any part of the Service.
• Not share access to the Service with unauthorized third parties.

8. Intellectual Property

All technology, workflows, prompts, algorithms, designs, and documentation comprising the Service are and remain the intellectual property of CashLayer. Your subscription grants you a limited, non-exclusive, non-transferable license to use the Service for your internal business operations during the term of your subscription.

Your financial data remains your property at all times. We claim no ownership of your data.

9. Confidentiality

We treat all client financial data as confidential. We will not disclose your data to any third party except as described in our Privacy Policy or as required by law. You agree to treat any proprietary information about our Service, pricing, or technology as confidential.

10. Limitation of Liability

To the maximum extent permitted by law:

• CashLayer provides the Service "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or accuracy of AI-generated outputs.
• CashLayer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunities, arising from your use of the Service.
• Our total aggregate liability for any claims arising from or related to the Service shall not exceed the total fees paid by you to CashLayer in the twelve (12) months preceding the claim.

11. Term and Termination

• These Terms remain in effect for as long as you use the Service.
• Either party may terminate with 30 days' written notice.
• We may suspend or terminate your access immediately if you breach these Terms or if required by law.
• Upon termination, we will delete your financial data within 30 days unless you request earlier deletion or a data export.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Orange County, Florida.

13. Changes to These Terms

We may update these Terms from time to time. We will notify active clients of material changes via email at least 15 days before they take effect. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms, please contact us at:

CashLayer
Email: hello@cashlayer.ai
Website: cashlayer.ai