Effective Date: September 11, 2025
These Terms of Use ("Terms") govern your access to and use of Cash Flow & Goals・Advance Hub, including the mobile application and related services ("App"). By accessing or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
Cash Flow & Goals・Advance Hub is a personal financial management application that offers tools to estimate eligibility amounts, track debts, plan payoff strategies (including Avalanche and Snowball methods), and set and track savings goals. The App provides educational content and calculations to help users plan and monitor finances.
Cash Flow & Goals・Advance Hub is not a bank, lender, broker, or financial advisor. The information, projections, and recommendations provided by the App are for educational and informational purposes only and should not be construed as professional financial, tax, investment, or legal advice. You should consult a qualified professional for advice tailored to your circumstances.
You must be at least 18 years old (or the age of majority in your jurisdiction) to use the App. By using the App, you represent and warrant that you meet these eligibility requirements.
If you create an account, you are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use. We reserve the right to suspend or terminate accounts that violate these Terms.
The App relies on information you provide to generate calculations and plans. You agree that you are responsible for the accuracy, completeness, and currency of the information you enter. Cash Flow & Goals・Advance Hub is not responsible for decisions you make based on inaccurate or incomplete input.
You agree not to:
All content, features, and functionality of the App (including text, graphics, logos, and software) are the property of Cash Flow & Goals・Advance Hub or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.
The App may contain links to third-party websites, services, or integrations. We do not control third-party content and are not responsible for their practices or policies. Your interactions with third parties are solely between you and that third party.
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, Cash Flow & Goals・Advance Hub DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP IS ERROR-FREE OR UNINTERRUPTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Cash Flow & Goals・Advance Hub AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE APP. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES WILL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE PRIOR 12 MONTHS (IF ANY), OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
You agree to indemnify, defend, and hold harmless Cash Flow & Goals・Advance Hub and its affiliates from any claims, damages, losses, liabilities, costs, or expenses arising from your violation of these Terms or your use of the App.
We may suspend or terminate your access at any time for any reason, including violation of these Terms. Upon termination, your right to use the App will end. All provisions that by their nature should survive termination will survive (e.g., ownership provisions, disclaimer, limitation of liability, indemnity).
These Terms are governed by the laws of the jurisdiction in which Cash Flow & Goals・Advance Hub is incorporated/operates. Any disputes arising will be resolved in the appropriate courts of that jurisdiction, unless otherwise agreed.
We may modify these Terms from time to time. If we make material changes, we will provide notice (in-app or via email) before changes take effect. Continued use of the App after the effective date constitutes acceptance of the updated Terms.
If any part of these Terms is found unenforceable, the remainder will remain in full force and effect.
These Terms and any policies referenced herein constitute the entire agreement between you and Cash Flow & Goals・Advance Hub regarding the App.
If you have questions about these Terms or the App, contact us at: