terms.

TL;DR: cashbff is a money buddy that reads your bank transactions (read-only, through Plaid) and answers your questions over text. It finds and surfaces things about your money. You make the decisions and you act. cashbff does not move, pay, or transfer money, and what it tells you is informational, not financial, investment, tax, or legal advice. By using cashbff you agree to these Terms, you confirm you are at least 18, and you agree to get messages from us (reply STOP to opt out; consent is not required to buy anything). You can cancel a paid plan, disconnect your bank, or ask us to delete your data anytime (we take care of deletions within 30 days).

1. acceptance of these terms

These Terms of Service (the "Terms") are a legal agreement between you and Khannas LLC ("cashbff," "we," "us," or "our"). They govern your access to and use of the cashbff service, including our text messaging assistant, our website, and any related features (together, the "Service").

When you sign up, we ask you to agree to these Terms and our Privacy Policy by an affirmative action (for example, tapping "Continue" or "I agree" with links to both documents), and we keep a record of that agreement. By taking that action, or by creating an account, sending or receiving messages through the Service, connecting a financial account, or otherwise using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated here by reference. If you do not agree, please do not use the Service.

Please also read Section 11 (Disclaimers), Section 12 (Limitation of Liability), and Section 16 (Governing Law and Dispute Resolution) carefully, because they affect your legal rights.

2. eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using cashbff, you represent that you meet these requirements and that the information you give us is true.

The Service is intended for users in the United States. We do not direct the Service to anyone under 18, and we do not knowingly collect information from anyone under 18.

3. what cashbff is

cashbff is a personal money assistant you talk to through everyday messaging. With your permission, it reads your bank transaction data (read-only, through our partner Plaid) and your messages, and it gives you spending insights, summaries, reminders, and answers to your money questions.

You can reach cashbff through these channels:

SMS text messaging, delivered through Twilio.
WhatsApp, delivered through the Meta WhatsApp Cloud API.
A connection for AI assistants. If you choose to connect an AI assistant (for example, Claude) to cashbff, that assistant can read your cashbff money data and carry out certain actions on your behalf that you confirm first, such as setting a goal, scheduling a reminder or an expected income or expense, adding a note to a transaction, marking a transaction as reimbursable, or confirming a recurring bill. This is a real data-access connection. You control whether you set it up, and actions that change your data are gated behind your confirmation.

The features available to you may depend on your plan and may change over time as we improve the Service.

4. what cashbff does and does not do (please read)

This is the most important thing to understand about cashbff.

cashbff finds and surfaces. You decide and you act. cashbff reads your transaction data and tells you what it sees: recurring subscriptions it detects, spending patterns, balances, and answers to your questions. It can help you set goals, schedule reminders, and flag reimbursable transactions when you confirm those actions.

cashbff does not move, pay, or transfer money. It cannot send payments, cancel subscriptions, close accounts, or move funds for you. Its access to your bank data is read-only. Any action in the real world, such as paying a bill, canceling a service, or moving money, is something you do yourself, directly, through your own bank or provider.

cashbff is informational only. It is not professional advice. The insights, summaries, suggestions, and answers cashbff provides are for general informational purposes. They are not financial, investment, tax, accounting, or legal advice, and they are not a recommendation to buy, sell, or hold any product or to take any specific financial action. cashbff is not a bank, a money transmitter, a broker-dealer, an investment adviser, or a financial planner. For advice about your specific situation, please talk to a qualified professional. You are responsible for your own financial decisions.

5. messaging consent and rates (sms and whatsapp)

cashbff is a messaging service, so using it means exchanging messages with us. By providing your phone number and using the Service, you consent to receive recurring messages from cashbff related to your account and the Service, sent through SMS and, where you use it, WhatsApp. These can include automated messages. Consent to receive automated messages is not a condition of purchasing anything.

Message and data rates may apply, depending on your mobile or messaging plan. Message frequency varies based on how you use the Service.

Opting out. For SMS, you can reply STOP at any time to stop receiving messages, and START to resume. Reply HELP for help. For WhatsApp, you can opt out by telling us to stop or by using the equivalent in-channel option. Opting out of messages may limit or end your ability to use the Service, since the Service works through messaging.

Your mobile carrier and WhatsApp are not liable for delayed or undelivered messages.

6. your account and accurate information

To use the Service, you verify your identity with your phone number using a one-time passcode. You are responsible for keeping access to your phone number and account secure, and for activity that happens through your account. Please tell us promptly if you believe your account has been used without your permission.

You agree to give us information that is accurate and current, and to keep it up to date. cashbff relies on the data you provide and the transaction data from the financial accounts you connect. If that information is inaccurate or out of date, the insights cashbff gives you may be inaccurate too.

7. acceptable use

When you use cashbff, you agree not to:

Use the Service for any unlawful purpose, or in violation of these Terms or any applicable law.
Connect a financial account that is not yours or that you are not authorized to use, or provide someone else's information without authorization.
Try to gain unauthorized access to the Service, other users' data, or our systems, or interfere with, disrupt, or overload the Service.
Probe, scan, or test the vulnerability of the Service, or bypass any security, rate-limiting, or access controls (including the confirmation gating on AI-assistant actions).
Use the Service to harass, abuse, or harm others, or to send spam or malicious content.
Reverse engineer, scrape, or copy the Service except as allowed by law, or use it to build a competing product.
Misuse the AI features, including attempts to extract another user's data or to make the Service perform actions you have not authorized.

We may investigate and take action, including suspending or terminating access, if we reasonably believe you have violated this section.

8. message content and how we access it

To provide the Service, we process your conversations to understand your questions and generate responses. We may store and retain your messages and related content to operate, maintain, and improve the Service. Storage and retention practices can differ by channel and may change as the Service evolves.

Our team does not routinely read the content of your messages. Access to your message content occurs only where needed to provide or maintain the Service, to investigate abuse, security, or technical issues, to comply with law or legal process, or with your consent.

For more detail on what we collect, how we use it, the third parties involved, and your choices, please see our Privacy Policy.

9. third-party services

cashbff relies on trusted third-party providers to deliver the Service. These currently include:

Plaid, which connects your financial accounts and handles bank authentication so you can share read-only transaction data with cashbff. We never receive your bank login credentials. Plaid handles your data under its own End User Privacy Policy.
Twilio (SMS) and Meta (WhatsApp), which deliver messages.
Anthropic (Claude), which processes message context and aggregated spending data to generate responses.
Stripe, which processes subscription payments.

When you connect or use these services, their own terms and privacy policies apply to their handling of your information, in addition to ours. We are not responsible for the acts, omissions, or policies of third-party providers, and your use of a connected service (such as your bank or an AI assistant) is between you and that provider. We may add, remove, or change providers as the Service evolves.

10. subscriptions, billing, cancellation, and refunds

Some features of cashbff require a paid subscription, the "Talk" plan. Before you are charged, we show the price, the billing interval, and the trial terms, and we ask you to agree to the recurring charge. The Talk plan costs $12.99 per month, or $99 per year (which works out to about $8.25 per month). New subscribers get a 3-day free trial. If you do not cancel before the trial ends, your plan begins and your payment method is charged the price you selected, then renews automatically as described below. Prices are in US dollars and do not include any taxes that may apply.

Auto-renewal. Paid subscriptions renew automatically at the end of each billing period at the then-current price, until you cancel. By subscribing, you authorize us, through Stripe, to charge your payment method on a recurring basis for the applicable fees, including any applicable taxes, until you cancel. Stripe retains your payment history under its own policy.

Cancellation. You can cancel your subscription at any time, easily and online. Open your billing settings through cashbff to manage or cancel your plan in the Stripe customer portal, or message us and we will help you cancel. When you cancel, your paid access continues until the end of the current billing period, and it does not renew after that. If you cancel during the 3-day free trial, you are not charged.

Refunds. The 3-day free trial is there so you can decide before you pay. Except where required by law, payments are non-refundable, and canceling does not entitle you to a refund for the current billing period.

Changes to pricing. We may change our prices or plans. If we change the price of a subscription you hold, we will give you advance notice, and the change will take effect on your next billing period. If you do not agree to the new price, you may cancel before it takes effect.

11. disclaimers of warranties

In plain terms: we work hard to make cashbff reliable and useful, but we cannot promise it is perfect, always available, or error-free, so please use it accordingly.

The Service is provided on an "as is" and "as available" basis, without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, that any insights, categorizations, subscription detections, or other outputs will be accurate or complete, or that defects will be corrected. cashbff depends on data from third parties (including Plaid and your financial institutions) and on AI-generated outputs, which can be incomplete or wrong. You use the Service, and rely on its outputs, at your own discretion and risk.

Nothing in these Terms excludes any warranty or right that cannot be excluded under applicable law.

12. limitation of liability

To the fullest extent permitted by law, in no event will cashbff or its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Service, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the total amount you paid us for the Service in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. In that case, our liability is limited to the greatest extent permitted by law.

13. indemnification

To the extent permitted by law, you agree to indemnify and hold harmless cashbff and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your misuse of the Service, your violation of these Terms, your violation of any law or the rights of a third party, or information or accounts you provided or connected without authorization.

14. changes to these terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and take reasonable steps to notify you, for example by message through the Service or by posting notice on our website. Changes take effect when posted, unless we say otherwise. Your continued use of the Service after the changes take effect means you accept the updated Terms. If you do not agree, please stop using the Service.

15. termination

You can stop using the Service at any time. You can disconnect your bank connection whenever you want, which removes your Plaid access token and cached transactions, and you can revoke access through Plaid directly. You can also request deletion of your data as described in our Privacy Policy.

We may suspend or terminate your access to the Service, in whole or in part, at any time, with or without notice, if we reasonably believe you have violated these Terms, if needed to protect the Service or other users, or for other legitimate business or legal reasons. Sections that by their nature should survive termination (including Sections 4, 11, 12, 13, and 16) will survive.

16. governing law and dispute resolution

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules.

You and cashbff agree to first try to resolve any dispute informally by contacting us. If we cannot resolve it within a reasonable time, the dispute will be subject to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California, and you and cashbff consent to personal jurisdiction there, except that either of us may bring a qualifying claim in small claims court.

17. contact us

Questions about these Terms? You can text cashbff or email us at daksh@cashbff.com. For data deletion requests, email daksh@cashbff.com with the subject "Data deletion request," and we take care of it within 30 days.

cashbff. Your money buddy, not your data broker.