Disclaimer

CASHO provides software tools for personal financial organization and budgeting only.

Nothing on this website, in the service, or in supporting materials constitutes financial advice, investment advice, tax advice, accounting advice, or legal advice.

All CASHO outputs, recommendations, comparisons, and insights are provided solely for informational purposes.

You must not rely on CASHO insights as a substitute for professional advice from qualified financial advisors, tax professionals, accountants, or lawyers.

Content, examples, estimates, forecasts, budget templates, financial comparisons (e.g., CASHO vs YNAB), and calculated outputs are provided for general informational purposes.

These are hypothetical and may not reflect your actual financial outcomes.

You are solely responsible for evaluating all information and obtaining professional advice appropriate to your circumstances, jurisdiction, and risk tolerance.

Do not rely on CASHO for making investment, tax, lending, insurance, or major life financial decisions.

CASHO may generate budget forecasts, income projections, expense estimates, or savings goals based on your historical data.

These forecasts are hypothetical and subject to change based on market conditions, personal circumstances, economic factors, and other variables beyond CASHO's control.

Actual results may vary significantly from projections. CASHO does not guarantee accuracy, achievability, or alignment with your personal goals.

Do not make major financial commitments based solely on CASHO projections without professional review.

CASHO aims to provide accurate, current, and complete information but does not guarantee completeness, reliability, or uninterrupted availability.

Features, data outputs, calculations, and content may change without notice.

Data integration with third-party financial institutions (banks, payment providers, open banking) may experience delays or errors beyond CASHO's control.

CASHO is not liable for inaccuracies, calculation errors, or data synchronization issues.

CASHO may include links to third-party websites, content, or services (e.g., financial calculators, budgeting guides, competitor comparisons).

CASHO is not responsible for third-party content, accuracy, terms of service, privacy practices, or availability.

Your use of third-party services is governed by their terms; CASHO disclaims all liability for third-party conduct.

Third-party links do not imply endorsement by CASHO.

CASHO does not hold an Australian Financial Services License (AFSL), UK Financial Conduct License (FCA), or equivalent regulatory authorizations.

CASHO is not regulated by ASIC (Australia), FCA (UK), SEC (USA), or comparable financial authorities as a financial services provider.

CASHO does not provide services that require financial services licensing in your jurisdiction.

By using CASHO, you acknowledge that you are using a budgeting tool, not a regulated financial service.

CASHO may experience technical errors, calculation glitches, data synchronization failures, or system outages.

CASHO is not liable for losses, damages, or incorrect financial decisions resulting from system errors.

If you suspect an error in calculations or data, contact support@casho.com.au immediately.

If CASHO provides comparisons with competitor products (YNAB, Mint, etc.), these comparisons are informational and not endorsements or recommendations.

Comparison accuracy depends on public information and may be outdated or incomplete.

Do not base your subscription decision solely on CASHO comparisons; conduct independent research and review current competitor features.

To the extent permitted by law, CASHO disclaims liability for losses arising from reliance on information, forecasts, calculations, or outputs provided through the service.

CASHO is not liable for lost profits, lost revenue, lost data, consequential damages, indirect damages, or punitive damages.

This disclaimer applies to all claims, whether based on contract, warranty, tort, negligence, or any other legal theory.

This disclaimer is effective as a contractual term and notice. It does not limit liability for fraud, personal injury, death, or willful misconduct.

For Australian consumers: This disclaimer does not exclude or limit liability for conduct that violates the Australian Consumer Law (ACL).

For EU consumers: Mandatory consumer protection rights under the Consumer Rights Directive cannot be excluded.

For California consumers: CCPA does not permit waiver of statutory rights.

For clarification on this disclaimer: hello@casho.com.au

For errors or concerns about misleading content: support@casho.com.au