Terms of Service

Terms of Service

TERMS OF SERVICE

Effective Date: March 17, 2025

Welcome to Clear Path To Cash, a financial insights platform developed by Cash Flow Mike LLC. By accessing or using our website, software, or services, you agree to comply with and be bound by the following Terms of Service ("Terms"). Please read them carefully.

1. LEGAL NOTICE

All notices from Clear Path To Cash ("Company," "we," "us," or "our") to users may be posted on our website and are deemed delivered within thirty (30) days after posting. Notices from users to Clear Path To Cash shall be sent via first-class mail to:

Cash Flow Mike LLC
2127 Kinder Run
San Antonio, Texas, 78260

Notices sent by mail will be deemed received five (5) days after the date sent.

2. COPYRIGHT & TRADEMARKS

All content, including text, graphics, logos, and software, appearing on this website and within the Clear Path To Cash app, is the property of Cash Flow Mike LLC.

  • Copyright © 2025 Cash Flow Mike LLC. All rights reserved.
  • The trademarks "Clear Path To Cash" and "Cash Flow Mike" are registered and protected under U.S. intellectual property law.

Users are permitted to view, print, and distribute documents for informational purposes only, provided they include the copyright notice above.

3. USER ACCOUNTS & ACCESS

3.1. Account Registration

  • Users must provide accurate registration details and maintain the confidentiality of their login credentials.
  • We use OAuth authentication for security.

3.2. White Labeling

  • Users may apply their logo to reports generated within the app.
  • All reports will contain a "Powered by Clear Path To Cash" statement.

3.3. Data Collection & Use

  • Data is collected either by manual input or integration with third-party accounting platforms (e.g., QuickBooks Online).
  • We collect data at the account level, not at the transaction level.
  • Data is stored securely in MongoDB within an AWS environment.
  • We use industry-standard encryption and security protocols to safeguard user data.
  • By using Clear Path To Cash, users consent to the collection, anonymization, and aggregation of financial data for benchmarking, predictive insights, and product improvement.
  • Anonymized data may be stored indefinitely in an aggregated format for research and development purposes.
  • Users may opt out of data aggregation by submitting a written request to cashflowmike@cashflowmike.com.

3.4. AI & Predictive Insights

  • The app provides financial insights using decision trees and AI-powered predictive modeling.
  • These insights are based on commonly used financial management calculations.
  • AI-generated insights are for informational purposes only and should not be solely relied upon for financial decision-making.
  • Cash Flow Mike LLC does not guarantee the accuracy, completeness, or applicability of AI-generated insights. Users assume full responsibility for validating and interpreting recommendations before taking action.

4. DATA PRIVACY & SECURITY

4.1. Data Anonymization & Usage

  • We do NOT collect sensitive data such as payroll details, bank account numbers, or personally identifiable financial records.
  • Data may be anonymized and aggregated for benchmarking, industry trends, and improving financial insights.

4.2. Compliance & User Rights

  • Users can request data deletion by contacting cashflowmike@cashflowmike.com.
  • We comply with applicable data protection laws, including GDPR and CCPA.

4.3. Security Measures

  • Data is hosted on AWS with full encryption, firewall protections, and strict access controls.
  • We take reasonable measures to prevent data breaches but do not guarantee absolute security.

4.4. Breach Notification Policy

  • In the event of a data breach affecting user information, Cash Flow Mike LLC will notify affected users within 72 hours of discovery, as required by applicable laws.
  • We will provide details on the nature of the breach, potential risks, and recommended actions.

5. WARRANTY & LIABILITY DISCLAIMERS

5.1. No Financial or Legal Advice

  • Clear Path To Cash is an educational and analytical tool, not a substitute for financial, tax, or legal advice.
  • Users are responsible for interpreting insights and making financial decisions independently.

5.2. Limitation of Liability

  • We do not guarantee the accuracy, completeness, or timeliness of any insights provided.
  • In no event shall Cash Flow Mike LLC be liable for direct, indirect, incidental, consequential, or punitive damages related to the use of our services.
  • Cash Flow Mike LLC shall not be held liable for financial losses, business decisions, or incorrect conclusions derived from AI-driven insights.

5.3. Force Majeure Clause

  • Cash Flow Mike LLC shall not be held liable for failure to perform due to circumstances beyond its reasonable control, including but not limited to cyberattacks, data breaches, AWS service disruptions, natural disasters, acts of government, or other unforeseen events.

6. PAYMENT & SUBSCRIPTIONS

  • Subscription fees are charged based on the selected plan.
  • All fees are non-refundable unless otherwise stated.
  • Users may cancel at any time, but access to services will continue until the end of the billing cycle.

7. GOVERNING LAW

  • These Terms shall be governed by and construed in accordance with the laws of the State of Texas.
  • Any disputes shall be resolved in the state or federal courts of San Antonio, Texas.

8. MODIFICATIONS TO TERMS

  • We reserve the right to update these Terms at any time.
  • Continued use of our services after modifications constitutes acceptance of the updated Terms.

By using Clear Path To Cash, you acknowledge and agree to these Terms. If you have any questions, contact cashflowmike@cashflowmike.com.