Terms of Service
Last updated: May 20, 2026
1. The service
Cardinate is a personal finance dashboard. We display balances and transactions you import (manually or via Plaid) and help you build a payoff plan. We do not move money, execute trades, or give regulated financial advice.
2. Your account
You're responsible for keeping your login credentials secure. We recommend enabling two-factor authentication. You must be 18 or older to use Cardinate.
3. Subscriptions
Cardinate offers a 14-day free trial of Pro. Paid plans renew automatically until you cancel from Settings → Billing. Refunds are available within 7 days of any charge by emailing billing@cashflow.app.
4. Acceptable use
- No reverse-engineering, scraping at volume, or attempting to access another user's data.
- No connecting accounts you do not own or have permission to manage.
5. Disclaimer
Cardinate is provided "as is". We make commercially reasonable efforts to keep data accurate and synced, but balances and transactions ultimately come from your bank via Plaid and may lag or contain errors.
6. Termination
You can delete your account at any time from Settings. We may suspend accounts that violate these terms, with notice when reasonable.