Terms & Conditions

1. Who Can Use Cashflow

Cashflow is intended for users aged 18 and above. By using the app, you confirm that you are at least 18 years old and are legally able to enter into this agreement.

2. No Registration Required

You do not need to create an account or provide any personal information to use Cashflow. The app works entirely on your device. During setup, you will be asked for your work type, occupation, and payday date. This information is stored locally on your device and is used only to personalise your cashflow view.

3. Your Data Stays on Your Device

All records you enter into Cashflow, including expenses, payment methods, and cashflow data, are stored only on your device. We do not have access to your data and do not store it on any server. You are fully responsible for maintaining and backing up your own data.

If you delete the app or lose your device, your data cannot be recovered by us as we do not hold a copy of it.

4. Pro Upgrade and Payments

Cashflow offers a free version and an optional one-time Pro upgrade. All purchases are handled entirely by the app store platform:

• iOS users: purchases are processed by the Apple App Store
• Android users: purchases are processed by the Google Play Store

We do not collect, process, or store your payment details. All billing, receipts, and refund requests are handled by Apple or Google. For any payment issues, please contact Apple Support or Google Play Support directly.

New users receive a 7-day free trial of the Pro features. If you do not wish to continue, you must cancel before the trial ends through your App Store or Google Play account settings.

5. Acceptable Use

Cashflow is for personal financial management use only. You agree not to:

• Use the app for any unlawful purpose
• Attempt to reverse-engineer, copy, or modify any part of the app
• Redistribute or resell the app or its features without our written permission

6. Intellectual Property

The Cashflow app, including its design, features, and content, is owned by Olzytech Solutions and protected by applicable intellectual property laws. You are granted a personal, non-transferable licence to use the app for your own financial management purposes.

Any data you enter into the app belongs to you. We do not claim ownership of your personal or financial records.

7. Financial Disclaimer

Cashflow is a personal cashflow tracking tool. It is not a financial advisory service, a bank, or a regulated financial institution. Nothing in the app should be taken as financial, investment, or legal advice. All financial decisions remain your own responsibility.

8. Limitation of Liability

The app is provided “as is” without any guarantees. We are not responsible for any loss of data, financial loss, or other damages resulting from your use of the app. Since all your data is stored on your own device, we have no ability to recover lost records on your behalf.

To the extent permitted by law, our total liability to you shall not exceed the amount you paid for the Pro upgrade.

9. Privacy

Your privacy is important to us. Please read our Privacy Policy to understand what limited information we use and how we protect it. The Privacy Policy forms part of these Terms.

10. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated version in the app and on our website with a new effective date. Continued use of the app after changes are posted means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of Malaysia. Any disputes will be subject to the jurisdiction of the courts of Malaysia.

12. Contact Us

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