Terms of Use

Effective date: 2026-05-09 · Last updated: 2026-05-11

By downloading or using the Personal Cashflow mobile application (the “App”), you agree to these Terms of Use (the “Terms”). If you do not agree, do not use the App.

1. The App

The App is a personal-finance tracking tool for iPhone and iPad. It lets you record bills, deposits, transfers, and recurring transactions; view a projected cashflow; and generate reports. The App is provided by Villareal Software LLC, an Arizona limited liability company (“we”, “us”, “the developer”).

The App is not a bank, financial institution, money transmitter, accounting service, tax service, investment advisor, broker-dealer, or legal advisor. The App does not access, connect to, read from, or transact with any bank, credit card issuer, brokerage, or other financial institution. All numbers, balances, projections, charts, and reports shown in the App are derived solely from data you have entered manually.

2. No financial advice; accuracy is your responsibility

Information shown in the App is for personal organizational purposes only. The App is a tool, not a record of truth. The displayed balances, projections, charts, due dates, and reports are calculations based on what you typed in — they are not statements from your bank, brokerage, or any financial institution and they may not match your actual account balances or financial position at any given moment.

You are solely responsible for verifying the accuracy of every figure shown in the App against your actual bank, credit card, or brokerage statements before making any financial, spending, saving, transfer, payment, tax, accounting, investment, lending, or borrowing decision. Do not rely on the App as the sole or primary source of truth for any financial decision. Always confirm balances and transactions directly with your financial institution.

By way of example and without limitation: a balance shown by the App may differ from your bank’s available balance because of pending transactions, holds, fees, interest, refunds, or transactions that have not been entered into the App. The developer is not responsible for any overdraft, returned-payment, late-payment, or non-sufficient-funds fees, nor for any missed bill, missed deadline, missed transfer, bounced check, declined transaction, or other consequence of relying on the App’s display rather than your bank’s actual records.

Nothing displayed by the App constitutes financial, investment, tax, accounting, or legal advice. The App does not assess your financial situation, risk tolerance, or suitability for any product or transaction. For advice, consult a qualified, licensed professional.

3. Your data and data integrity

All data you enter into the App is yours. We store it on your device and (when iCloud is enabled) in your private iCloud account. We do not transmit your financial data to any server we operate. See the Privacy Policy for details.

You are responsible for maintaining your own backups of any data that is important to you. Although the App provides export functionality and benefits from Apple’s iCloud backup mechanisms, software, hardware, networks, and cloud services may fail. We make no representation that data entered into, stored by, or synchronized through the App will be preserved, recoverable, accurate, complete, or available at any time, and we shall not be liable for any data loss, corruption, duplication, deletion, or unavailability however caused.

Data synchronized through Apple’s iCloud may, in rare circumstances, be delayed, duplicated, or temporarily inconsistent across devices due to network conditions or the behavior of Apple’s CloudKit service. The App provides recovery tools, but the developer is not responsible for sync delays, conflicts, duplications, or other behavior inherent to iCloud.

4. License to use the App

Subject to your compliance with these Terms, you receive a personal, non-exclusive, non-transferable, revocable license to use the App on Apple-branded devices that you own or control, and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.

You agree not to:

• reverse-engineer, decompile, or disassemble the App except to the extent permitted by applicable law;
• distribute, sublicense, lease, sell, or rent the App;
• remove copyright, trademark, or other proprietary notices;
• use the App in violation of any law or regulation.

5. Subscriptions, pricing, and auto-renewal

Personal Cashflow is offered as an auto-renewable subscription. Payment is processed by Apple via your App Store account. By subscribing, you authorize Apple to charge the applicable price at the start of each billing period unless you cancel at least 24 hours before the renewal date.

• Plans and pricing (United States): Monthly: USD $7.99 per month. Annual: USD $59.99 per year. Prices in other regions are set by the applicable App Store and are displayed at the point of purchase.
• Free trial: The annual plan includes a 7-day free trial for first-time subscribers. Unless you cancel at least 24 hours before the trial ends, the trial automatically converts to a paid annual subscription at USD $59.99 per year (or the equivalent regional price). If you subscribe to a paid plan before the trial ends, any remaining portion of the trial is forfeited.
• Auto-renewal: Subscriptions renew automatically at the same price for the same duration unless cancelled at least 24 hours before the end of the current period. Your Apple ID is charged for the renewal within 24 hours prior to the end of the current period.
• Manage and cancel: You can manage subscriptions, change plans, or cancel auto-renewal at any time in your Apple ID settings: Settings → [Your Name] → Subscriptions, or on the web at https://apps.apple.com/account/subscriptions. Cancellation stops future renewals; the current paid period continues until its expiration.
• Refunds: Refunds are handled by Apple under the Apple Media Services Terms. The developer cannot issue refunds directly.
• Family Sharing: Subscriptions are shareable via Apple Family Sharing where enabled. Each member of your Family Sharing group accesses the subscription on their own data; financial data does not cross between Apple IDs.

6. Existing-tester grandfather access

If you used the App as a TestFlight tester before subscriptions were introduced, the App grants you continued free access for the lifetime of the App on your Apple ID. This grandfather grant is provided as a courtesy and may be discontinued or modified for future major versions of the App at the developer’s discretion.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, SAVINGS, BUSINESS, BUSINESS OPPORTUNITY, GOODWILL, REPUTATION, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP, INCLUDING WITHOUT LIMITATION DAMAGES ARISING FROM OR RELATED TO:

• any inaccuracy, error, or omission in any balance, projection, calculation, chart, report, or other output of the App;
• any reliance you placed on information displayed by the App, including any financial, spending, saving, transfer, payment, overdraft, late-payment, tax, accounting, investment, lending, or borrowing decision;
• any failure to verify a figure shown in the App against your actual bank, credit card, or brokerage statement;
• any data loss, data corruption, data duplication, or unavailability of the App, your data, or any service the App relies upon (including iCloud or the App Store);
• any interruption, downtime, or failure of the App or its services to function as expected;
• any unauthorized access to or alteration of your device, your iCloud account, or your data.

EVEN IF THE DEVELOPER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), THE DEVELOPER’S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE GREATER OF (i) THE TOTAL AMOUNT YOU PAID THE DEVELOPER FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) USD $20. THE PARTIES AGREE THIS LIMITATION REFLECTS A REASONABLE ALLOCATION OF RISK AND THAT THE APP WOULD NOT BE PROVIDED WITHOUT IT, AND THIS LIMITATION SHALL APPLY EVEN IF ANY LIMITED REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

Nothing in these Terms limits or excludes liability for fraud, intentional misconduct, gross negligence, death or personal injury caused by negligence, or any other liability that cannot be excluded or limited under applicable law.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In those jurisdictions, the developer’s liability is limited to the smallest extent permitted by law.

9. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the developer, Villareal Software LLC, and its members, managers, agents, contractors, and licensors from and against any and all third-party claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your misuse of the App in violation of these Terms; (b) your violation of any applicable law or regulation; or (c) your violation of any third-party right, including any intellectual property or privacy right. This Section does not apply to claims between you and the developer. The developer reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the developer, in which event you agree to cooperate with the developer’s defense.

10. Apple-specific terms

You and the developer acknowledge that these Terms are concluded between you and the developer only, and not with Apple Inc. (“Apple”), and that the developer (not Apple) is solely responsible for the App and its content. The following provisions apply with respect to your use of the App:

• Scope of license: The license granted in Section 4 is limited to a non-transferable license to use the App on any Apple-branded products that you own or control, and as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.
• Maintenance and support: The developer is solely responsible for providing any maintenance and support services for the App. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.
• Warranty: The developer is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) of the App; to the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the App.
• Product claims: The developer, not Apple, is responsible for addressing any claims relating to the App or your possession or use of it, including but not limited to product liability claims, claims that the App fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection or similar legislation.
• Intellectual property rights: In the event of any third-party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, the developer, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
• Legal compliance: You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
• Third-party beneficiary: You and the developer acknowledge and agree that Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

11. Governing law, venue, and dispute resolution

These Terms are governed by the laws of the State of Arizona, United States, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or your use of the App shall be resolved exclusively in the state or federal courts located in Pima County, Arizona, and you consent to the personal jurisdiction of those courts.

To the extent permitted by law, you and the developer agree that any dispute will be brought in your individual capacity and not as a plaintiff or class member in any purported class, representative, or consolidated proceeding.

This choice of law and venue does not deprive you of the protection afforded by mandatory provisions of consumer-protection law of the country or state in which you reside. Arizona residents may contact the Arizona Attorney General’s Office regarding consumer-protection concerns. Nothing in these Terms waives any non-waivable right under Arizona Revised Statutes § 44-1521 et seq.

12. Miscellaneous

Entire agreement. These Terms and the Privacy Policy together constitute the entire agreement between you and the developer regarding the App and supersede any prior or contemporaneous agreements on the subject.

Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or, if it cannot be so modified, severed from these Terms, and the remaining provisions shall continue in full force and effect.

No waiver. The developer’s failure to enforce any provision of these Terms is not a waiver of its right to do so later.

Assignment. You may not assign these Terms or any rights or obligations under them without the developer’s prior written consent. The developer may assign these Terms without restriction.

Survival. Sections 2, 3, 6, 7, 8, 9, 10, 11, and 12 survive any termination of these Terms or your use of the App.

13. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date at the top reflects when changes were made. For material changes affecting your rights or fees, we will provide notice in the App or via the App Store listing prior to the change taking effect. Continued use of the App after a change constitutes acceptance of the updated Terms.

14. Contact

Questions about these Terms can be sent to support@personalcashflow.net.

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