Terms of Service

1 Acceptance of Terms

By accessing or using CashPulse (the "Service"), including through our website, web application, or mobile application, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated by reference.

If you do not agree to these Terms, you may not access or use the Service. These Terms constitute a legally binding agreement between you and CashPulse ("we", "us", or "our").

If you are using the Service on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2 Service Description

CashPulse is an earnings tracking platform that helps you aggregate, visualise, and analyse income from gig apps, side-hustle platforms, and reward programmes. The Service allows you to:

• Manually log earnings from any source.
• Connect supported platforms (e.g., eBay, PayPal, Swagbucks, Ibotta, Rakuten) via OAuth to automatically import earnings data.
• Connect bank accounts via Plaid to identify incoming payments from gig platforms.
• View analytics including earnings by app, earnings per hour, trends, and comparisons.
• Export your earnings data in CSV or JSON format.
• Access premium features with a paid subscription.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

3 User Accounts

Account Creation

To access most features of CashPulse, you must create an account using a valid email address and password, or by signing in through a supported OAuth provider (e.g., Google). You agree to provide accurate, current, and complete information during registration.

One Account Per Person

You may register and maintain only one CashPulse account per individual. Creating multiple accounts to circumvent restrictions, earn promotional benefits, or for any other purpose is prohibited and may result in suspension of all associated accounts.

Account Security

You are solely responsible for:

• Maintaining the confidentiality of your account password.
• All activity that occurs under your account.
• Notifying us immediately at support@cashpulse.app if you suspect unauthorised access to your account.

We recommend using a strong, unique password and enabling two-factor authentication when available. We are not responsible for any loss or damage arising from your failure to protect your account credentials.

Account Accuracy

You agree to keep your account information (especially your email address) accurate and up to date. An invalid or unreachable email address may result in your inability to access your account or receive important service notifications.

4 Acceptable Use

You agree to use CashPulse only for lawful purposes and in accordance with these Terms. You agree that you will not:

Prohibited Activities

• Scraping or automated access — use bots, spiders, scrapers, crawlers, or other automated means to access, collect, or index any part of the Service without our express written permission.
• Reverse engineering — decompile, disassemble, or attempt to derive the source code of any part of the Service.
• Circumventing security — attempt to bypass, disable, or interfere with security features, authentication mechanisms, or access controls.
• Abuse and harassment — use the Service to harass, threaten, or harm any person or entity.
• Illegal activity — use the Service to engage in, facilitate, or promote any activity that violates applicable laws or regulations, including money laundering, tax evasion, or fraud.
• False information — knowingly submit false, misleading, or inaccurate earnings data for the purpose of manipulating the Service or deceiving any party.
• Overloading infrastructure — intentionally overload, attack (DDoS), or disrupt CashPulse servers or infrastructure.
• Reselling access — resell, sublicense, or provide access to the Service to third parties without our written permission.
• Harmful content — upload or transmit viruses, malware, or any other malicious code.
• Violating third-party terms — use CashPulse in ways that violate the terms of service of any third-party platform you connect (e.g., eBay, PayPal, Stripe).

Violation of these prohibitions may result in immediate account suspension or termination, and may be reported to law enforcement authorities where appropriate.

5 Premium Subscription

Billing

CashPulse offers a free tier and optional paid subscription plans ("Premium"). Premium subscriptions are billed on a recurring basis (monthly or annually, depending on the plan you select). Billing is processed by Stripe, a third-party payment processor. By subscribing to a Premium plan, you authorise us to charge your payment method on a recurring basis until you cancel.

Subscription fees are charged at the beginning of each billing period. All prices are displayed in US Dollars (USD) and are exclusive of applicable taxes.

Free Trial

We may offer a free trial period for Premium features. If you provide a payment method at the start of a free trial, you will be charged the applicable subscription fee at the end of the trial period unless you cancel before it expires. We will send you a reminder before the trial ends.

Cancellation

You may cancel your Premium subscription at any time from Settings → Billing → Cancel Subscription, or by contacting support@cashpulse.app. Cancellation takes effect at the end of the current billing period. You will continue to have access to Premium features until the period ends, and you will not be charged again thereafter.

Refunds

We offer refunds in the following circumstances:

• If you cancel within 7 days of initial subscription and have not made substantial use of Premium features.
• If a technical failure caused by CashPulse prevented you from accessing Premium features for a material portion of your billing period.
• Where required by applicable consumer protection law.

Refund requests outside these circumstances are evaluated on a case-by-case basis at our discretion. To request a refund, contact support@cashpulse.app with your account email and the reason for your request. All approved refunds are processed via Stripe to the original payment method.

Price Changes

We reserve the right to change subscription prices. If we increase the price of your current plan, we will notify you at least 30 days in advance via email. Price increases will take effect at the start of your next billing period after the notice period. Your continued use of the Service after the price change takes effect constitutes acceptance of the new price. If you do not accept the new price, you must cancel your subscription before it renews.

Payment Failures

If a payment fails, we will attempt to retry the charge according to Stripe's retry schedule. If payment cannot be collected, your account may be downgraded to the free tier until payment is resolved.

6 Intellectual Property

Our IP

The Service and its original content, features, functionality, and design — including but not limited to software code, text, graphics, logos, icons, and user interface elements — are owned by CashPulse and are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works of, or publicly display any part of the Service without our express written permission.

Your Data

You retain full ownership of the earnings data and other content you enter into CashPulse. By using the Service, you grant us a limited, non-exclusive, royalty-free licence to store, process, and display your data solely for the purpose of providing and improving the Service for you. We do not claim any ownership over your data.

Feedback

If you submit feedback, suggestions, or ideas about the Service, you grant us the right to use such feedback without restriction or compensation. We appreciate your input in helping us improve CashPulse.

Third-Party Trademarks

All third-party platform names, logos, and trademarks referenced in CashPulse (e.g., eBay, PayPal, Swagbucks, Ibotta, Rakuten, Stripe, Plaid) are the property of their respective owners. Their inclusion does not imply any affiliation with or endorsement by those companies.

7 Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATION.

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free.
• The results obtained from using the Service will be accurate, reliable, or meet your expectations.
• Any errors in the Service will be corrected.
• Data fetched from third-party platforms (via OAuth or Plaid) will be complete, accurate, or up to date.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. In such cases, our warranties are limited to the fullest extent permitted by applicable law.

8 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CASHPULSE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits or revenue
• Loss of data or earnings records
• Business interruption
• Loss of goodwill
• Cost of substitute services

arising from or related to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) US $50.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

9 Termination

Termination by You

You may stop using the Service and delete your account at any time from Settings → Account → Delete Account. Upon account deletion, your personal data is removed as described in our Privacy Policy.

Termination by Us

We may suspend or terminate your account and access to the Service immediately, without prior notice or liability, if we determine in our sole discretion that you have:

• Violated any provision of these Terms.
• Engaged in fraudulent, abusive, or illegal activity.
• Compromised the security or integrity of the Service.
• Failed to pay applicable subscription fees.

For less severe violations, we will typically attempt to contact you and give you an opportunity to remedy the issue before taking action. We will suspend rather than terminate where appropriate and proportionate.

Effect of Termination

Upon termination, your right to use the Service ceases immediately. All data associated with your account will be deleted in accordance with our data retention policy. Provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimer of warranties, limitation of liability, and governing law) shall survive.

10 Governing Law & Disputes

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall first be subject to good-faith negotiation. If the dispute cannot be resolved informally within 30 days of written notice, the parties agree to resolve the dispute through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or equitable relief in a court of competent jurisdiction.

Class action waiver: You agree that any arbitration shall be conducted in your individual capacity only, and not as a class action or other representative proceeding.

If you are a consumer resident in a jurisdiction where mandatory consumer protection laws apply, nothing in this section limits your rights under those laws.

11 Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last updated" date at the top of this page.
• Send an email notification to registered users at least 14 days before material changes take effect.
• Display a prominent notice in the app.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance. If you do not agree to the updated Terms, you must stop using the Service and delete your account before the changes take effect.

For non-material changes (e.g., clarifications, corrections, changes required by law), we may update the Terms without separate notification beyond updating the date above.

12 Contact

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

• Email: support@cashpulse.app
• Response time: We aim to respond to all inquiries within 5 business days.

For legal notices, please use the subject line "Legal Notice" and send to support@cashpulse.app.