Terms and Conditions — MyCashDash

Version: 1.2 Last Updated: June 2, 2026 Effective Date: May 19, 2026 Document Owner: CloudCoding Limited

1. Introduction and Acceptance

1.1 Agreement

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you", "your", "the User") and CloudCoding Limited, a company registered in England and Wales under company number 07435312 with its registered office at First Floor, Lipton House, Stanbridge Road, Leighton Buzzard, England, LU7 4QQ ("we", "us", "our", "the Company", "CloudCoding").

These Terms govern your access to and use of the MyCashDash platform, including the MyCashDash web application, our website at mycashdash.com, all associated application programming interfaces, and all related services (collectively, the "Platform").

1.2 Acceptance

By creating an account, accepting an invitation to a Space, subscribing to a paid plan, or otherwise accessing or using any part of the Platform, you agree to be bound by these Terms and the policies referenced in them, including our Privacy Policy and Cookies Policy. If you do not agree to these Terms, you must not use the Platform.

1.3 Eligibility

You must be at least 18 years of age to enter into these Terms and create an account. By creating an account, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.

If you are entering into these Terms on behalf of a household, family, or other group, you represent and warrant that you have the authority to bind those individuals to these Terms to the extent they use the Platform under your account or Space.

1.4 Amendments

We reserve the right to amend these Terms from time to time. We will notify you of material changes by email at least 30 days before the changes take effect. Your continued use of the Platform after the effective date of the amended Terms constitutes your acceptance of those amendments. If you do not agree, you must stop using the Platform and cancel your subscription before the effective date.

2. Account Registration and Security

2.1 Account Creation

To use the Platform, you must create an account by providing accurate and complete information, including a valid email address and a display name. You authenticate using a password. We do not currently offer social sign-in or single sign-on; sign-in is by email and password only.

2.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to:

  • choose a strong, unique password and not share it with any third party;
  • notify us as soon as possible, using the contact details in Section 15 (Contact Us), if you become aware of any unauthorised access to your account; and
  • ensure that you log out of your account at the end of each session on shared or public devices.

We will not be liable for any loss or damage arising from your failure to comply with this section.

2.3 Password and Encrypted Data Recovery

If you forget your password, you can reset it using the password-reset flow on the Platform.

If you have enabled per-Space encryption (see Section 3.6 and our Privacy Policy, Section 7), the encryption key for that Space is derived from your password and is never sent to our servers. If you lose access to your password without first establishing recovery, we cannot decrypt the monetary fields within encrypted Spaces and that data will be unrecoverable. This is an inherent property of client-side encryption and is the trade-off for the strong privacy guarantee it provides.

2.4 Account Suspension and Termination

We may suspend or terminate your account immediately, without prior notice, if:

(a) you breach any provision of these Terms; (b) we reasonably suspect fraudulent, abusive, or illegal activity; (c) you fail to pay any amounts due under Section 5; (d) your account is inactive for 24 consecutive months and you are not on a paid plan; or (e) it is necessary to protect the security or integrity of the Platform.

We will use reasonable efforts to notify you of any suspension or termination and the reasons for it, except where prevented by law or where notification would compromise security.

3. Description of Services

3.1 What MyCashDash Is

MyCashDash is a personal finance tracking and reporting tool for individuals and households. It allows you to:

  • record financial accounts (such as current accounts, credit cards, and savings accounts) in any of the supported currencies;
  • enter transactions manually, upload them via CSV, or extract them from PDF or image bank statements using AI-assisted extraction (see Section 3.5);
  • classify transactions by counterparty, category, type, payment method, and project, and save reusable split templates that divide a single transaction across multiple counterparties;
  • track financial projects and goals over time;
  • track assets (such as property, vehicles, investments, and savings) and their valuations;
  • reconcile recorded balances against your statements using balance anchors;
  • learn matching rules from your previous explanations so that new transactions can be classified faster;
  • share workspaces ("Spaces") and individual accounts with other users at a granular permission level; and
  • optionally encrypt the monetary data of a Space client-side, so that those values are not readable in our database.

3.2 What MyCashDash Is Not

MyCashDash is not, and does not provide:

  • a regulated financial service of any kind;
  • financial, investment, tax, legal, or accounting advice;
  • a payment service, a banking service, or an electronic money service;
  • a means of holding or transmitting your money;
  • a connection to your bank accounts (we do not connect to or read from your bank);
  • a substitute for proper professional advice; or
  • a guaranteed-accurate record of your finances — the data in the Platform is what you enter or import, and you are responsible for verifying it.

CloudCoding Limited is not authorised or regulated by the Financial Conduct Authority (FCA) and is not a registered Account Information Service Provider (AISP). MyCashDash is purely a personal record-keeping and reporting tool. You should not rely on it as the sole source of truth for any financial decision; you should always check directly with your bank, your accountant, or another appropriate professional.

3.3 Service Availability

We aim to provide the Platform on a continuous basis but do not guarantee uninterrupted or error-free service. We may temporarily suspend access for maintenance, updates, security patches, or other operational reasons, and will use reasonable efforts to give advance notice of planned downtime where practicable.

3.4 Dependencies on Third-Party Services

The Platform relies on third-party services including Google Cloud Platform (for infrastructure, authentication, storage, and AI), Stripe (for payment processing), and an email delivery provider. Changes to those services may affect the operation of the Platform. We will use reasonable efforts to maintain compatibility but accept no liability for interruptions caused by third-party services.

3.5 AI-Assisted Statement Extraction

The Platform offers an optional feature that uses an AI model (Google Gemini, running on Google Vertex AI in the europe-west2 / London region) to extract transaction rows from bank statements you upload as PDFs or images. This feature is described in more detail in our Privacy Policy, Section 6.

By uploading a statement for AI-assisted extraction, you confirm that you have the authority to upload it and that you accept that:

(a) AI extraction is provided on a best-effort basis and may produce errors or omissions, including misread amounts, dates, or descriptions; (b) you are responsible for reviewing and verifying the extracted rows before relying on them; and (c) you should not upload statements containing information that you are not authorised to process.

3.6 Spaces, Sharing, and Optional Encryption

The Platform is built around Spaces — shared financial workspaces that one or more users can use together. If you invite another user to a Space or share an account with them, you are responsible for ensuring you have any consent or authority required to share that data with them.

You can optionally enable client-side encryption for a Space. When encryption is enabled, the encryption key is derived from each member's password using PBKDF2, and the monetary data within the Space is encrypted using AES-256-GCM before being stored. If you lose access to your password, we cannot recover your encrypted data (see Section 2.3).

4. Acceptable Use

4.1 General Prohibitions

You agree not to:

(a) use the Platform for any unlawful purpose or in violation of any applicable law or regulation; (b) infringe the intellectual property, privacy, or other rights of any third party; (c) upload content that is unlawful, defamatory, obscene, harassing, threatening, or otherwise objectionable; (d) upload financial data, statements, or any other information that you are not authorised to upload; (e) attempt to gain unauthorised access to the Platform, to any other user's account or Space, or to any underlying systems; (f) interfere with or disrupt the Platform, its infrastructure, or the experience of other users; (g) distribute malware, viruses, or any other harmful software via the Platform; (h) impersonate any person or entity, or misrepresent your affiliation with any person or entity; (i) use the Platform for competitive intelligence, or to build, improve, or benchmark a competing product; (j) use any robot, spider, scraper, or other automated means to access the Platform or to extract data from it; (k) circumvent, disable, or otherwise interfere with security-related features of the Platform; (l) share your account credentials with any third party (members of a Space must each have their own account); or (m) misuse the Platform's invitation or sharing features to send unsolicited communications, harass other users, or share data without authority.

4.2 Consequences

Violations of this Section 4 may result, at our sole discretion, in a written warning, suspension of features, suspension or termination of your account, legal action, or referral to law enforcement.

5. Subscription Plans and Payment

5.1 Subscription Tiers

MyCashDash is offered on the following subscription tiers. Prices are in pounds sterling and are inclusive of UK VAT where applicable. Tiers, features, and pricing are subject to change in accordance with Section 5.5.

  • Trial — 30 days, free of charge. Provides access to evaluate the Platform. At the end of the trial you must select a paid plan to continue using the Platform, or your account will revert to a state of restricted access pending plan selection.

  • Founding Member — £79, one-time payment, providing lifetime access on the terms of this tier. The Founding Member tier is limited in number and is only available while spots remain. Once the cap has been reached, the tier will be closed to new subscriptions. Lifetime access is for the lifetime of the Platform; it does not survive the discontinuation of the Platform (see Section 12).

  • Personal — £9.99 per month, or £99 per year (an effective discount over the monthly price). Provides single-user access to the Platform.

  • Household — £79 per year per licence, with the number of licences selected by the household owner. The owner assigns licences to other members of their household, and each assigned member has full access to the household's shared Spaces under the licence assigned to them.

  • Extra Seat — additional seat available within a household plan, where supported.

  • Granted plans — from time to time we may grant access at no charge or on bespoke terms (for example, to beta testers, early supporters, or other invited users). These grants are at our discretion and may be revoked at our discretion (with reasonable notice where possible).

5.2 Payment Processor

Payment is processed by Stripe. By subscribing, you authorise us (via Stripe) to charge your nominated payment method for the relevant subscription fees. You agree to provide accurate payment information and to keep it up to date.

5.3 Automatic Renewal

Paid subscriptions (other than the Founding Member lifetime tier) renew automatically at the end of each billing period at the then-current rate, unless you cancel before the renewal date.

5.4 Failed Payments

If a payment fails, we may retry collection through Stripe's standard retry behaviour. If payment is not successful after Stripe's retries are exhausted, we may suspend access to paid features until payment is brought up to date. We will notify you by email before suspension where practicable.

5.5 Price Changes

We may change subscription prices with at least 30 days' written notice. For annual subscribers, price increases take effect at the next annual billing period. If you do not agree to a price change, you may cancel before the new price takes effect.

5.6 Cancellation

You may cancel your subscription at any time through your account settings, or by writing to us at the address in Section 15 (Contact Us).

On cancellation:

(a) you retain access to your paid features until the end of the current billing period; (b) no refund is issued for the remainder of the billing period (subject to Section 5.7); (c) automatic renewal is turned off, and you will not be charged again under that plan; and (d) your data is retained in accordance with our Privacy Policy (see Section 11 of the Privacy Policy).

5.7 Refunds (Cooling-Off)

If you are a consumer in the UK, you are entitled to a 14-day cooling-off period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, starting on the date you take out a subscription. If you cancel within this period, you are entitled to a full refund of the subscription fee, save that we may make a proportionate deduction for any use of paid features during that period.

To exercise this right, tell us within 14 days of taking out the subscription, through your account settings or by writing to us at the address in Section 15 (Contact Us).

Outside the cooling-off period, subscription fees are non-refundable except where required by law.

5.8 Founding Member Tier

The Founding Member tier is a one-time payment for lifetime access on the terms of that tier. It is offered on a limited basis. We reserve the right to close the tier to new subscriptions once the cap is reached. We will not refund a Founding Member fee on cancellation outside the cooling-off period in Section 5.7. Lifetime access continues for as long as the Platform continues to be offered.

5.9 Household Plans

Where you subscribe to a household plan:

(a) you (the owner) are responsible for assigning and revoking licences to and from other members of your household; (b) each licensed member must have their own account and accept these Terms; (c) you are jointly responsible (with the relevant member) for that member's compliance with these Terms while using their assigned licence; and (d) revoking a member's licence removes their access to the household's paid features but does not delete their account or the data they own.

5.10 Taxes

Prices are inclusive of UK VAT where applicable. If you are located outside the United Kingdom, you are responsible for any local taxes that apply to your subscription.

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Platform, including all software, source code, object code, algorithms (including the deduplication and matching-rule algorithms), databases, data structures, user interfaces, screen designs, layouts, visual design, graphics, icons, logos, trademarks, service marks, trade names, domain names, documentation, and content (collectively, "Our IP"), is the exclusive property of CloudCoding Limited or its licensors. Our IP is protected by copyright, trademark, and other intellectual property laws of England and Wales and applicable international treaties.

6.2 Reservation of Rights

All rights not expressly granted to you under these Terms are reserved by CloudCoding Limited. Nothing in these Terms transfers ownership of any intellectual property to you.

6.3 Limited Licence

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform solely for your personal or internal household purposes during the term of your subscription.

This licence does not include the right to:

(a) copy, reproduce, duplicate, modify, adapt, translate, or create derivative works of the Platform or any part of it; (b) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, data structures, or underlying ideas of the Platform; (c) sublicense, rent, lease, lend, sell, distribute, or otherwise transfer access to the Platform to any third party (other than as expressly permitted in Section 5 for household licensing); (d) remove, obscure, or alter any proprietary notices, labels, trademarks, or branding on the Platform; (e) use the Platform, or any of its design or output, to build a competing product or service, or to benchmark the Platform against a competing product; (f) use any robot, spider, scraper, or other automated means to access the Platform or to extract data from it; (g) frame, mirror, or otherwise incorporate any part of the Platform into any other website, application, or service without our prior written consent; or (h) use the Platform in any way that violates applicable law or these Terms.

6.4 Trademarks

"MyCashDash", "MCD", and any associated logos and product names are trademarks of CloudCoding Limited (whether registered or unregistered). You may not use or reproduce any of our trademarks without our prior written consent.

6.5 Your Content

You retain ownership of any content you enter into or upload to the Platform ("Your Content"), including your financial data, the documents you upload, and the configuration you create. By creating or uploading Your Content, you grant us a limited, non-exclusive, royalty-free, worldwide licence to store, process, transmit, and display Your Content solely for the purpose of providing and improving the Platform and the services described in these Terms. This licence terminates when you delete Your Content or your account, subject to our retention obligations (see Privacy Policy, Section 11).

6.6 Matching Rules and Learned Defaults

The matching rules and learned defaults that the Platform derives from your past transaction explanations are stored within your account and treated as Your Content for the purposes of these Terms. We do not use the matching rules of one user to inform the suggestions made to another user.

6.7 Feedback

If you provide feedback, suggestions, or ideas for improving the Platform ("Feedback"), you agree that we may use, reproduce, modify, and incorporate that Feedback without restriction, attribution, or compensation, and you hereby assign to us all rights you may have in such Feedback.

6.8 Enforcement

We take intellectual property infringement seriously. Please report any infringement to us in writing at the address in Section 15 (Contact Us). We reserve the right to take all available legal action, including seeking injunctive relief and damages.

7. Data Protection and Privacy

Our collection and use of your personal data is governed by our Privacy Policy. All personal data is stored within the United Kingdom (europe-west2 / London region of Google Cloud Platform). Full details, including the lawful bases on which we rely, the subprocessors we use, and your rights as a data subject, are set out in the Privacy Policy.

You are responsible for ensuring that, when you upload financial data or invite other users to a Space, you do so in accordance with applicable law (including, where applicable, having a lawful basis to share personal data of third parties such as counterparty contacts).

8. Disclaimers

8.1 Provided "As Is"

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

We do not warrant that:

(a) the Platform will be uninterrupted, error-free, or secure; (b) defects will be corrected; (c) the Platform will meet your specific requirements; (d) AI-assisted statement extraction will be accurate or complete (it is provided on a best-effort basis); or (e) any reports, balances, or analytics generated by the Platform will be free from error.

8.2 No Financial Advice

Nothing provided by the Platform or by us constitutes financial, investment, tax, legal, or accounting advice. You should consult appropriately qualified professionals before making any financial decision. You are solely responsible for your financial decisions.

8.3 Your Responsibility for Data Accuracy

You are responsible for the accuracy of the data you enter into or upload to the Platform, including for verifying any data extracted from statements by AI-assisted extraction. The Platform's reports and analytics reflect the data within the Platform; they do not independently verify that data against your bank or other source of truth.

9. Limitation of Liability

9.1 Limitation

To the maximum extent permitted by law, our total aggregate liability to you arising out of or in connection with these Terms or your use of the Platform shall not exceed the greater of:

(a) the subscription fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim; or (b) £100.

9.2 Excluded Losses

To the maximum extent permitted by law, we shall not be liable for:

(a) any indirect, incidental, special, consequential, or punitive damages; (b) any loss of profits, loss of business, loss of revenue, or loss of anticipated savings; (c) any loss of data, save where caused by our gross negligence; or (d) any losses arising out of your reliance on data within the Platform that is inaccurate, incomplete, or out of date, including data extracted by AI-assisted extraction.

9.3 Statutory Rights

Nothing in these Terms excludes or limits our liability for:

(a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot be excluded under the laws of England and Wales; or (d) (in the case of consumers) any of your statutory rights under the Consumer Rights Act 2015.

10. Indemnification

You agree to indemnify and hold harmless CloudCoding Limited, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

(a) your breach of these Terms; (b) your unlawful use of the Platform; (c) any content you create, upload, or transmit through the Platform; (d) any infringement by you of any third party's rights (including intellectual property and privacy rights); or (e) your misuse of the Platform's sharing or invitation features (including sharing data that you were not authorised to share).

11. Term and Termination

11.1 Term

These Terms remain in effect for as long as you have an account with us or otherwise use the Platform.

11.2 Termination by You

You may cancel your subscription and delete your account at any time. See Section 5.6 (cancellation) and our Privacy Policy, Section 11 (account deletion and data retention).

11.3 Termination by Us

We may terminate these Terms and your access to the Platform:

(a) immediately, in the circumstances set out in Section 2.4 (account suspension and termination); or (b) on at least 30 days' written notice for any other reason, including the discontinuation of the Platform (see Section 12).

11.4 Effects of Termination

Upon termination:

(a) the licences granted to you under Section 6.3 immediately end; (b) you must cease all use of the Platform; (c) we will delete your data in accordance with our Privacy Policy, Section 11; (d) any outstanding payment obligations survive termination; and (e) Sections 6, 8, 9, 10, 13, and 14 (and any other provisions that by their nature should survive) continue in force.

11.5 Data Export

Before termination of your account, you may request an export of your data in a structured, machine-readable format by writing to us at the address in Section 15 (Contact Us). We will provide it within 30 days of your request.

12. Discontinuation of the Platform

We may discontinue the Platform, in whole or in part, at our discretion. If we discontinue the Platform we will:

(a) give you at least 60 days' written notice by email, where practicable; (b) provide you with the ability to export your data during the notice period; and (c) refund any prepaid, unused portion of an annual or longer subscription on a pro-rata basis.

The Founding Member tier provides lifetime access only for as long as the Platform continues to be offered. Discontinuation of the Platform ends Founding Member access; in that case, we will refund a pro-rata share of the Founding Member fee proportionate to a reasonable expected lifetime of the Platform, calculated in good faith.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy, Cookies Policy, and any subscription confirmation, constitute the entire agreement between you and us in relation to the Platform.

13.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary to render it valid and enforceable; the remaining provisions shall continue in full force and effect.

13.3 Waiver

No failure or delay by either party in exercising any right under these Terms shall constitute a waiver of that right.

13.4 Assignment

You may not assign or transfer these Terms (or any rights or obligations under them) without our prior written consent. We may assign these Terms to any affiliate or to any successor to our business by merger, acquisition, or sale of substantially all of our assets, on notice to you.

13.5 Force Majeure

We are not liable for any failure or delay in performing our obligations under these Terms caused by events beyond our reasonable control, including (without limitation) acts of God, war, terrorism, civil unrest, fire, flood, pandemic, strikes, failures of public infrastructure, and failures of third-party services on which the Platform depends.

13.6 Third-Party Rights

No person other than the parties to these Terms shall have any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of these Terms.

13.7 Notices

All notices under these Terms shall be in writing:

  • to us: by post to our registered office, as set out in Section 15 (Contact Us); and
  • to you: by email to the address associated with your account.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales.

14.2 Jurisdiction

The courts of England and Wales have exclusive jurisdiction over any dispute arising out of or in connection with these Terms, subject to your right as a consumer to bring proceedings in the courts of your country of domicile.

14.3 Alternative Dispute Resolution

If you are a consumer, you may refer a dispute to an approved alternative dispute resolution (ADR) body. We are not obliged to participate in ADR but will confirm our position if you propose it.

15. Contact Us

You can contact us by writing to us at our registered office:

CloudCoding Limited First Floor, Lipton House, Stanbridge Road, Leighton Buzzard, England, LU7 4QQ

We expect to add an online contact form in future; until then, please use the postal address above.

Document Version: 1.2 Last Updated: June 2, 2026 Effective Date: May 19, 2026

For the most current version, visit www.mycashdash.com/legal/terms