Terms

By accessing and using the Money Finder Software Inc. (operating as and here in CacheFlo “CF”) owned website (the “Site”) including but not limited to www.cacheflo.co, software (the “Software”) including but not limited to CacheFlo Pro, or CacheFlo Personal App or using or accessing any other services we provide, you (the “User”) agree to each of the terms and conditions set forth herein (each a “Term” and collectively, the "Terms of Service"). We reserve the right to amend these Terms of Service at any time and without notice. These Terms of Service will be accessible on the Site and Software at all times, and the User undertakes an obligation to observe and follow these Terms of Service, including any changes that may occur from time to time. Any changes to these Terms of Service become effective from the date of modification, and any subsequent use of the Services constitutes acceptance of the revised Terms of Service. We reserve the right to block the User’s access at any time for any reason, including but not limited to violations of these Terms of Service. Please also carefully read our Privacy Policy which is hereby incorporated into these Terms of Service by reference.


Definitions

Account: means an account created by a User on one of our service platforms on the Site including, but not limited to, an account for a free trial of, or paid subscription to, the Services.

Content: means any information that is submitted to the Site, publicly or privately, including but not limited to – personal information, images, videos, graphics, sounds, texts and e-mails.


Money Finder and CacheFlo (variously, “we”, “us” or “our”): refers to Money Finder Software Inc.


Services: means the services provided by “CF” including, but not limited to, use of the Site or Software, the provision of free financial planning content and any financial advice provided through the aforementioned methods or any other method from "CF".


Site: means the “CF” website hosted at www.cacheflo.co and any associated sub-domains.

Software: means the Behavioural Cash Flow Management web client software known as CacheFlo Pro offered on the Site, which generates cash flow strategies for use by the User or by a User’s client.


User (variously, “you” or “your”): an individual who accesses and uses the Services including, but not limited to, financial advisors and their clients.


Description of Service

"CF" is a Canadian Financial Technology Company that specializes in Behavioural Cash Flow Technology for financial professionals. "CF" products include CacheFlo Pro, which includes a digital client intake form for financial institutions or professionals to allow customers or members to enter information so that the institution or professional can analyze the individual's situation and provide behaviour based cash flow management advice in person or through the tool supported by the tool.

"CF" uses a combination of math and behaviour to help financial professionals provide their clients with advice that they will actually follow and can reasonably keep up for life. "CF"’s specialized software allows financial professionals to incorporate Behavioural Cash Flow Management into their existing processes.


User Conduct and Responsibility

Users pledge that they will not participate in any form of action or conduct that may have a disruptive, destructive or negative impact on the Site, Software, Services or Users. This includes but is not limited to:

  1. illegal activity;
  2. uploading, posting or sharing of material that is obscene, offensive, or discriminatory;
  3. threatening, abusive, obscene or harassing behaviour;
  4. invasions of privacy;
  5. distribution of software viruses;
  6. any interference with the proper operation of the Site or Software;
  7. tampering with the software code for the Site or Software;
  8. bypassing of any security measures put in place by "CF", including but not limited to password protection.       


Furthermore, you agree not to scrape, or otherwise download in bulk, any Site content, including but not limited to a list or directory of users on the system, online material or information unless specifically authorized pursuant to the Services. You also agree not to misrepresent or attempt to misrepresent your identity while using the Site.


Accounts

To access and use the Services, you will need to register an account (“Account”). To open an Account, you will be required to submit your name and an active email. You may be asked for your credit card information depending on the level of service you wish to register for. You are solely responsible for maintaining the confidentiality of the password associated with your Account and accept responsibility for all activities that occur under your Account. We endeavour to use reasonable security measures to protect against unauthorized access to your Account but we cannot guarantee the absolute security of your Account or your Content, and we cannot promise that our security measures will prevent third-party “hackers” from illegally accessing your Account. You agree to immediately notify us of any unauthorized use of your Account or password, or any other breach of security, and to accept all risks of unauthorized access to the Content you provide to us.

You understand that all Content available in connection with the Services is the sole responsibility of the person from whom such Content originated. This means that you, and not "CF", are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available. "CF" does not control or monitor the Content and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Services, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will "CF" be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available on the Site or Software.

You acknowledge that "CF" and its designees shall have the right, but not the obligation, exercised in their sole discretion, to pre-screen, monitor, refuse or remove any Content that is available via the Services. Without limiting the foregoing, "CF" and its designees shall have the right to remove any Content that violates these Terms of Service or is otherwise objectionable. You agree that you must evaluate and bear all risks associated with the use of any Content available in connection with the Services, including any reliance on the accuracy, completeness, or usefulness of such Content.


Content       

Unless indicated as being in the public domain, the content on the Site is protected by Canadian and foreign copyright laws. Unless otherwise or expressly stated, all financial information, articles, images and other instructional materials provided in furtherance of the Services are for your personal use in connection with the Services.

We do not claim ownership of any Content that you create and share with the Users or us. Unless otherwise stated, you retain copyright and other rights already possessed by you over Content that you create and share on or through the Services. However, by creating and sharing Content, you give us an irrevocable license to reproduce, adapt, modify, publish, and distribute derivative works from any Content created and shared by you through the Services. You understand and accept that this license gives us the right to make the Content available to other companies, organizations or individuals that have relationships with us, and use the Content in connection with these services.


Payment

Subject to the foregoing, you may be required to pay a fee to receive access to certain Services, in which case, the following processes and requirements shall apply:

  • The processing of your payment information is done by a third party vendor utilized by "CF", and you will be re-routed to a secure website to complete the payment transaction. You will be subject to the terms of service and privacy policy of said third party vendor.
  • Once your payment transaction is completed, you will be re-routed back to a "CF" confirmation page and will receive a confirmation email with your name, order number and the payment amount. Please retain this email for your records.
  • For any paid subscriptions to CF’s software products just allow 7 days notice prior to your next payment date, or your cancellation will be processed on your next payment date, and all payments will cease after that date, unless and until a request to be reinstated is received from you, as a user.
  • Payment for training products is non-refundable due to the exposure of intellectual property being irreversible from the time of purchase on.


Intellectual Property

The Services are legally protected in various ways, including copyrights, trademarks, service marks, patents, trade secrets, and other rights and laws. By using the Services, you agree to respect all copyright and other legal notices, information, and restrictions contained in any of the content that we provide through the Site or Software. You also agree not to change, translate, or otherwise create derivative works of the Services or any of the content found thereon including, but not limited to, "CF" trademarks, logos, and copyrighted material.

We do not grant you a right or license to reproduce content from the Site or Software, for any reason.


Indemnification

You agree to indemnify and hold "CF" and its subsidiaries, affiliates, officers, agents, representatives, employees, partners and licensors harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise seek to make available through the Site or Software, your use of the Services, your connection to the Site or Software, your violation of these Terms of Service, or your violation of any rights of another person or entity.

Warranty Disclaimer
The User agrees that they use the Services solely at their own risk. The Services are provided “as is” and “as available” and without warranty of any kind, express or implied. "CF" SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. NO ADVICE OR INFORMATION (ORAL OR WRITTEN) OBTAINED BY YOU FROM "CF" SHALL CREATE ANY WARRANTY.


Force Majeure

You agree that "CF" shall not be liable for failures or delays in performance due to causes beyond its reasonable control, including war, strikes, lockouts, fire, flood, storm or other acts of God. "CF" will use best efforts to minimize the effects of such failures or delays.


Entire Agreement

These Terms of Service and the Privacy Policy together constitute the entire agreement between you and "CF" with respect to your use of the Services, superseding any prior agreements between you and "CF" regarding your use of the Services.


Limitation of Liability

To the fullest extent permitted by law, in no event will "CF", its directors, employees, partners, suppliers, or content providers be liable for any indirect, incidental, punitive, consequential, special, or exemplary damages of any kind, including but not limited to damages: (i) resulting from your access to, reliance on, use of, or inability to access or use the Services; (ii) for any lost profits, data loss, or cost of procurement or substitute goods or services; or (iii) for any conduct or content of any third party on the Site or Software. In no event shall "CF" liability for direct damages be in excess of (in the aggregate) one hundred Canadian dollars ($100).


Termination Rights

You agree that "CF" in its sole discretion, may terminate your use of the Services, for any reason or no reason, upon notice to you. It is "CF"’s policy to terminate in appropriate circumstances the Accounts of Users who are repeat copyright infringers. "CF" reserves the right at any time in its sole discretion to cease providing any part or all of the Services, and you agree that "CF" will not have any liability to you for such an action. If you no longer desire to participate in the Services, you may terminate your participation at any time. The rights granted to you hereunder will terminate upon any termination of your right to use the Services, but the other provisions of these Terms of Service will survive any such termination.


Third Party Website and Interaction

By accessing third party websites or software through our Site or Software, you are consenting to the terms of service and privacy policies of those websites. We do not accept any responsibility or liability for their policies. You should read the terms of service and privacy policies of such websites, and make an informed decision whether or not to use these websites based upon their practices and your discretion.


Dispute Resolution and Governing Law

These Terms of Service (and all other rules, policies, or guidelines incorporated by reference) are governed by and construed in accordance with the laws of the Province of Nova Scotia and the federal laws of Canada as applicable therein, without giving effect to any common law or statutory principles of conflicts of law. You expressly agree that any action arising out of or relating to your use of the Services shall be filed in a court in the Province of Nova Scotia and that your attorney to the jurisdiction of that court.


Contact Us

If you have any questions, concerns or suggestions regarding these Terms of Service, please contact us at:

  • Email: help@cacheflowapp.com
  • Phone: 1-844-556-7472
  • Address: ℅ Volta Labs, 1505 Barrington Street, Unit 100, Halifax NS B3J 3K5



These Terms of Service last updated on December 10, 2018.

By accessing and using the CacheFlo Inc. (operating as and here in CacheFlo “CF”) owned website (the “Site”) including but not limited to www.cacheflo.co, software (the “Software”) including but not limited to CacheFlo Pro, or CacheFlo Personal App or using or accessing any other services we provide, you (the “User”) agree to each of the terms and conditions set forth herein (each a “Term” and collectively, the "Terms of Service"). We reserve the right to amend these Terms of Service at any time and without notice. These Terms of Service will be accessible on the Site and Software at all times, and the User undertakes an obligation to observe and follow these Terms of Service, including any changes that may occur from time to time. Any changes to these Terms of Service become effective from the date of modification, and any subsequent use of the Services constitutes acceptance of the revised Terms of Service. We reserve the right to block the User’s access at any time for any reason, including but not limited to violations of these Terms of Service. Please also carefully read our Privacy Policy which is hereby incorporated into these Terms of Service by reference.


Definitions

Account: means an account created by a User on one of our service platforms on the Site including, but not limited to, an account for a free trial of, or paid subscription to, the Services.

Content: means any information that is submitted to the Site, publicly or privately, including but not limited to – personal information, images, videos, graphics, sounds, texts and e-mails.


CacheFlo (variously, “we”, “us” or “our”): refers to CacheFlo Inc.


Services: means the services provided by “CF” including, but not limited to, use of the Site or Software, the provision of free financial planning content and any financial advice provided through the aforementioned methods or any other method from "CF".


Site: means the “CF” website hosted at www.cacheflo.co and any associated sub-domains.

Software: means the Behavioural Cash Flow Management web client software known as CacheFlo Pro offered on the Site, which generates cash flow strategies for use by the User or by a User’s client.


User (variously, “you” or “your”): an individual who accesses and uses the Services including, but not limited to, financial advisors and their clients.


Description of Service

"CF" is a Canadian Financial Technology Company that specializes in Behavioural Cash Flow Technology for financial professionals. "CF" products include CacheFlo Pro, which includes a digital client intake form for financial institutions or professionals to allow customers or members to enter information so that the institution or professional can analyze the individual's situation and provide behaviour based cash flow management advice in person or through the tool supported by the tool.

"CF" uses a combination of math and behaviour to help financial professionals provide their clients with advice that they will actually follow and can reasonably keep up for life. "CF"’s specialized software allows financial professionals to incorporate Behavioural Cash Flow Management into their existing processes.


User Conduct and Responsibility

Users pledge that they will not participate in any form of action or conduct that may have a disruptive, destructive or negative impact on the Site, Software, Services or Users. This includes but is not limited to:

  1. illegal activity;
  2. uploading, posting or sharing of material that is obscene, offensive, or discriminatory;
  3. threatening, abusive, obscene or harassing behaviour;
  4. invasions of privacy;
  5. distribution of software viruses;
  6. any interference with the proper operation of the Site or Software;
  7. tampering with the software code for the Site or Software;
  8. bypassing of any security measures put in place by "CF", including but not limited to password protection.       


Furthermore, you agree not to scrape, or otherwise download in bulk, any Site content, including but not limited to a list or directory of users on the system, online material or information unless specifically authorized pursuant to the Services. You also agree not to misrepresent or attempt to misrepresent your identity while using the Site.


Accounts

To access and use the Services, you will need to register an account (“Account”). To open an Account, you will be required to submit your name and an active email. You may be asked for your credit card information depending on the level of service you wish to register for. You are solely responsible for maintaining the confidentiality of the password associated with your Account and accept responsibility for all activities that occur under your Account. We endeavour to use reasonable security measures to protect against unauthorized access to your Account but we cannot guarantee the absolute security of your Account or your Content, and we cannot promise that our security measures will prevent third-party “hackers” from illegally accessing your Account. You agree to immediately notify us of any unauthorized use of your Account or password, or any other breach of security, and to accept all risks of unauthorized access to the Content you provide to us.

You understand that all Content available in connection with the Services is the sole responsibility of the person from whom such Content originated. This means that you, and not "CF", are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available. "CF" does not control or monitor the Content and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Services, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will "CF" be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available on the Site or Software.

You acknowledge that "CF" and its designees shall have the right, but not the obligation, exercised in their sole discretion, to pre-screen, monitor, refuse or remove any Content that is available via the Services. Without limiting the foregoing, "CF" and its designees shall have the right to remove any Content that violates these Terms of Service or is otherwise objectionable. You agree that you must evaluate and bear all risks associated with the use of any Content available in connection with the Services, including any reliance on the accuracy, completeness, or usefulness of such Content.


Content       

Unless indicated as being in the public domain, the content on the Site is protected by Canadian and foreign copyright laws. Unless otherwise or expressly stated, all financial information, articles, images and other instructional materials provided in furtherance of the Services are for your personal use in connection with the Services.

We do not claim ownership of any Content that you create and share with the Users or us. Unless otherwise stated, you retain copyright and other rights already possessed by you over Content that you create and share on or through the Services. However, by creating and sharing Content, you give us an irrevocable license to reproduce, adapt, modify, publish, and distribute derivative works from any Content created and shared by you through the Services. You understand and accept that this license gives us the right to make the Content available to other companies, organizations or individuals that have relationships with us, and use the Content in connection with these services.


Payment

Subject to the foregoing, you may be required to pay a fee to receive access to certain Services, in which case, the following processes and requirements shall apply:

  • The processing of your payment information is done by a third party vendor utilized by "CF", and you will be re-routed to a secure website to complete the payment transaction. You will be subject to the terms of service and privacy policy of said third party vendor.
  • Once your payment transaction is completed, you will be re-routed back to a "CF" confirmation page and will receive a confirmation email with your name, order number and the payment amount. Please retain this email for your records.
  • For any paid subscriptions to CF’s software products just allow 7 days notice prior to your next payment date, or your cancellation will be processed on your next payment date, and all payments will cease after that date, unless and until a request to be reinstated is received from you, as a user.
  • Payment for training products is non-refundable due to the exposure of intellectual property being irreversible from the time of purchase on.

Intellectual Property

The Services are legally protected in various ways, including copyrights, trademarks, service marks, patents, trade secrets, and other rights and laws. By using the Services, you agree to respect all copyright and other legal notices, information, and restrictions contained in any of the content that we provide through the Site or Software. You also agree not to change, translate, or otherwise create derivative works of the Services or any of the content found thereon including, but not limited to, "CF" trademarks, logos, and copyrighted material.

We do not grant you a right or license to reproduce content from the Site or Software, for any reason.


Indemnification

You agree to indemnify and hold "CF" and its subsidiaries, affiliates, officers, agents, representatives, employees, partners and licensors harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise seek to make available through the Site or Software, your use of the Services, your connection to the Site or Software, your violation of these Terms of Service, or your violation of any rights of another person or entity.


Warranty Disclaimer

The User agrees that they use the Services solely at their own risk. The Services are provided “as is” and “as available” and without warranty of any kind, express or implied. "CF" SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. NO ADVICE OR INFORMATION (ORAL OR WRITTEN) OBTAINED BY YOU FROM "CF" SHALL CREATE ANY WARRANTY.


Force Majeure

You agree that "CF" shall not be liable for failures or delays in performance due to causes beyond its reasonable control, including war, strikes, lockouts, fire, flood, storm or other acts of God. "CF" will use best efforts to minimize the effects of such failures or delays.


Entire Agreement

These Terms of Service and the Privacy Policy together constitute the entire agreement between you and "CF" with respect to your use of the Services, superseding any prior agreements between you and "CF" regarding your use of the Services.


Limitation of Liability

To the fullest extent permitted by law, in no event will "CF", its directors, employees, partners, suppliers, or content providers be liable for any indirect, incidental, punitive, consequential, special, or exemplary damages of any kind, including but not limited to damages: (i) resulting from your access to, reliance on, use of, or inability to access or use the Services; (ii) for any lost profits, data loss, or cost of procurement or substitute goods or services; or (iii) for any conduct or content of any third party on the Site or Software. In no event shall "CF" liability for direct damages be in excess of (in the aggregate) one hundred Canadian dollars ($100).


Termination Rights

You agree that "CF" in its sole discretion, may terminate your use of the Services, for any reason or no reason, upon notice to you. It is "CF"’s policy to terminate in appropriate circumstances the Accounts of Users who are repeat copyright infringers. "CF" reserves the right at any time in its sole discretion to cease providing any part or all of the Services, and you agree that "CF" will not have any liability to you for such an action. If you no longer desire to participate in the Services, you may terminate your participation at any time. The rights granted to you hereunder will terminate upon any termination of your right to use the Services, but the other provisions of these Terms of Service will survive any such termination.


Third Party Website and Interaction

By accessing third party websites or software through our Site or Software, you are consenting to the terms of service and privacy policies of those websites. We do not accept any responsibility or liability for their policies. You should read the terms of service and privacy policies of such websites, and make an informed decision whether or not to use these websites based upon their practices and your discretion.


Dispute Resolution and Governing Law

These Terms of Service (and all other rules, policies, or guidelines incorporated by reference) are governed by and construed in accordance with the laws of the Province of Nova Scotia and the federal laws of Canada as applicable therein, without giving effect to any common law or statutory principles of conflicts of law. You expressly agree that any action arising out of or relating to your use of the Services shall be filed in a court in the Province of Nova Scotia and that your attorney to the jurisdiction of that court.


Contact Us

If you have any questions, concerns or suggestions regarding these Terms of Service, please contact us at:

  • Email: help@cacheflowapp.com
  • Phone: 1-844-556-7472
  • Address: ℅ Volta Labs, 1505 Barrington Street, Unit 100, Halifax NS B3J 3K5



These Terms of Service last updated on December 10, 2018.