1. DESCRIPTION OF SERVICE
Cash provides a mobile application that allows users to make and receive payments electronically using linked funding sources (such as bank accounts or debit cards). The core services provided through the App are offered free of charge.
2. ELIGIBILITY
You must be at least 18 years old and reside in [Specify Country/Region, e.g., the United States] to use the Service. By agreeing to these Terms, you represent and warrant that you meet these eligibility requirements.
3. USER ACCOUNTS
To use the Service, you must register for an account. You agree to:
Provide accurate, current, and complete information during the registration process.
Maintain and promptly update your account information.
Maintain the security of your password and accept all risks of unauthorized access to your account.
Promptly notify us if you discover or otherwise suspect any security breaches related to the Service.
You are responsible for all activities that occur under your account.
4. USER CONDUCT
You agree not to use the Service for any purpose that is illegal or prohibited by these Terms. You agree not to:
Use the Service for any fraudulent activity or purpose.
Violate any applicable local, state, national, or international law.
Send or receive payments for illegal goods or services.
Harass, abuse, or harm another person using the Service.
Attempt to gain unauthorized access to the Service, other accounts, computer systems, or networks connected to the Service.
Interfere with or disrupt the integrity or performance of the Service.
Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the App.
5. PAYMENTS AND TRANSACTIONS
Accuracy: You are responsible for the accuracy of the payment information you provide, including the recipient's details and the amount. Payments sent through the Service are often instant and may not be reversible.
Limits: We may impose limits on the amount or number of transactions you can send or receive. These limits may be based on security concerns, regulatory requirements, or account verification status.
Disputes: Disputes between you and another user regarding a transaction should be resolved between yourselves. Cash is not responsible for the goods or services paid for using the Service.
Funding Sources: By linking a bank account or debit card, you authorize us to initiate debits and credits as necessary to process your transactions. You are responsible for any fees charged by your financial institution.
No Fees: Cash does not charge fees for sending or receiving money between users or for standard bank transfers.
6. INTELLECTUAL PROPERTY
The Service and its original content, features, and functionality are and will remain the exclusive property of [Client Company Name] and its licensors. The Service is protected by copyright, trademark, and other laws of both the [Country] and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of [Client Company Name]. We grant you a limited, non-exclusive, non-transferable license to use the App solely for your personal, non-commercial purposes according to these Terms.
7. THIRD-PARTY LINKS AND SERVICES
Our Service may contain links to third-party web sites or services that are not owned or controlled by [Client Company Name]. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party web sites or services (e.g., Plaid for bank linking). You further acknowledge and agree that [Client Company Name] shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such web sites or services.
8. TERMINATION
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. If you wish to terminate your account, you may simply discontinue using the Service or contact us to close your account. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
9. DISCLAIMER OF WARRANTIES
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. [Client Company Name] does not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
10. LIMITATION OF LIABILITY
In no event shall [Client Company Name], nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
11. INDEMNIFICATION
You agree to defend, indemnify and hold harmless [Client Company Name] and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.
12. GOVERNING LAW
These Terms shall be governed and construed in accordance with the laws of [State/Country, e.g., State of California, United States], without regard to its conflict of law provisions.
13. CHANGES TO TERMS
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least [e.g., 30] days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.