1. Acceptance of these Terms
These Terms of Service ("Terms") govern your access to and use of the CashFlow MFG mobile application, web application, and related services (collectively, the "Service"), operated by CashFlow MFG ("we", "us", "our").
By creating an account, logging in, or continuing to use the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Service.
If you are using the Service on behalf of a business or organisation, you represent that you have the authority to bind that business or organisation to these Terms.
2. Description of the Service
CashFlow MFG is a business-management application for manufacturers that provides accounting, invoicing, GST return preparation, inventory and production tracking, cash-flow insights, and related reporting tools. The Service stores the business and financial data you choose to enter, and uses that data to generate reports, invoices, GST return data and insights.
The Service provides tools and information to assist you with business record-keeping. It is not a chartered accountant, tax advisor, or legal advisor, and does not provide professional tax, legal, or financial advice. You remain responsible for the accuracy of your data and for complying with all applicable laws, including GST and income-tax obligations.
3. Accounts and Eligibility
- You must be at least 18 years old and legally capable of entering into a binding contract to use the Service.
- You agree to provide accurate, current, and complete information when creating an account, and to keep your account credentials (including any app-lock PIN and two-factor authentication) secure.
- You are responsible for all activity that occurs under your account. Notify us immediately at cashflowmfg@gmail.com if you suspect unauthorised access.
- One account may be associated with one or more businesses. Team members and Chartered Accountants you invite may access data that you explicitly grant them access to.
4. Subscription, Payments and Refunds
CashFlow MFG offers a free trial and paid subscription plans. By subscribing, you agree to the following:
- Free trial: New accounts receive a free trial period (currently 30 days). At the end of the trial, you may choose to subscribe or continue on any available free tier. We will not charge you automatically unless you have separately opted in to a paid plan.
- Subscription fees: Fees for paid plans are shown at the time of purchase and are payable in advance for the subscription period selected (monthly or annual). Prices may be changed with reasonable prior notice; changes apply only to future billing periods.
- Payment processing: Payments are processed securely by our payment partner (Razorpay). We do not store your full card or UPI credentials. Payment disputes are governed by Razorpay's terms as well as these Terms.
- Refunds: Unless otherwise required by applicable law, subscription fees are non-refundable after the start of a billing period. If you experience a service outage or billing error, contact cashflowmfg@gmail.com and we will review your case in good faith.
- Cancellation: You may cancel your subscription at any time from the app or by contacting support. Cancellation takes effect at the end of the current billing period, and you will continue to have access until then.
5. Your Data and Content
You retain all rights to the business and financial data you enter into the Service ("Your Data"). You grant us a limited licence to host, process, and display Your Data solely to provide the Service to you, including generating invoices, reports and exports you request.
- We do not sell Your Data and do not use it for advertising.
- How we collect, use and protect your personal information is described in our Privacy Policy.
- You are responsible for ensuring you have the right to store the data you upload, including customer, vendor and employee information.
6. Acceptable Use
You agree not to misuse the Service, including by:
- Attempting to access another user's account or data without authorisation.
- Using the Service to store or transmit unlawful, fraudulent, or infringing content.
- Reverse-engineering, scraping, or attempting to disrupt the Service, its servers, or connected networks.
- Circumventing subscription limits, rate limits, or security controls (including any tampering with trial or usage entitlements).
- Uploading files that contain malware or that exceed the stated size limits.
We may suspend or terminate accounts that violate these Terms, the law, or Google Play policies.
7. Intellectual Property
The Service, including its software, design, branding, and content (other than Your Data), is owned by us or our licensors and is protected by applicable intellectual-property laws. You receive a limited, non-exclusive, non-transferable licence to use the Service for your internal business purposes. You may not copy, modify, distribute, sell, or create derivative works of the Service except as permitted by law.
8. Termination and Account Deletion
You may stop using the Service at any time. You can delete your account and all associated data:
- In the app: Settings → Delete Account.
- On the web: visit our account deletion page.
Deletion permanently removes your data as described in our Privacy Policy, subject to legal retention obligations (for example, tax records required by Indian law). We may also suspend or terminate your account if you breach these Terms, where permitted by law.
9. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL ALWAYS BE ACCURATE OR COMPLETE.
We do not guarantee that the Service will comply with all applicable tax, accounting, or regulatory requirements for your specific business. You should consult qualified professionals for tax, legal, and accounting advice.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
Nothing in these Terms limits liability that cannot be limited under applicable law.
11. Third-Party Services
The Service integrates with third-party providers including hosting and database services (Render, PostgreSQL), email delivery (Resend), analytics and sign-in (Firebase, including Google Sign-In), and payments (Razorpay). Your use of those third-party services may be subject to their own terms and privacy policies, which we encourage you to review.
12. Governing Law and Disputes
These Terms are governed by the laws of India. Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts at Pune, Maharashtra, India. We encourage you to contact us first to resolve any issue informally.
13. Changes to these Terms
We may update these Terms from time to time to reflect changes in the Service or legal requirements. We will notify you of material changes within the app. Continued use of the Service after changes take effect constitutes your acceptance of the updated Terms. The "Last updated" date above shows when these Terms were last revised.
14. Contact Us
Questions about these Terms? Contact us at: cashflowmfg@gmail.com