Terms & Conditions

Last updated: August 28, 2026

Welcome to Cashly. These Terms & Conditions (“Terms”) govern your use of the Cashly application (the “App”). By downloading, accessing, or using the App, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the App.

Important: Cashly is an independent personal ledger and guidance application for individuals. It is not a bank, financial institution, or financial advisor. It does not maintain balances, record or process financial transactions, or connect to any bank or financial service.

1. Nature of the Service

The App provides a simple personal ledger and general guidance to help individuals organize and understand their own financial records. The App is provided for informational and organizational purposes only.

2. No Financial Advice or Services

The App does not provide financial, investment, tax, or legal advice, and does not offer any banking or payment services. Nothing in the App should be interpreted as a recommendation, offer, or solicitation to make any financial decision. You are solely responsible for any decisions you make based on the information you manage or review in the App. For personalized advice, you should consult a qualified professional.

3. Your Responsibilities

As a condition of your use of the App, you agree to:

4. Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Please notify us immediately if you become aware of any unauthorized use of your account.

5. Intellectual Property

The App, including its design, content, graphics, logos, and software, is owned by us or our licensors and is protected by applicable intellectual property laws. You may not copy, modify, distribute, sell, or reverse-engineer any part of the App without prior written permission.

6. Privacy

Your use of the App is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

7. Limitation of Liability

To the maximum extent permitted by applicable law, the App is provided “as is” and “as available” without warranties of any kind, whether express or implied. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the App. Because the App does not manage, hold, or transfer funds, we are not responsible for any financial outcomes related to your use of the App.

8. Changes to the App or These Terms

We may update or modify the App and these Terms from time to time. When we make changes to these Terms, we will update the “Last updated” date above. Your continued use of the App after any changes constitutes your acceptance of the updated Terms.

9. Termination

We may suspend or terminate your access to the App at any time, with or without notice, if you violate these Terms or if we believe such action is necessary to protect the App and its users. You may stop using the App at any time and may request deletion of your account.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles. You agree to resolve any disputes related to the App in accordance with applicable law and the competent courts.

11. Contact Us

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

cashly@cashlyglobal.com

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