TERMS OF USE

1. Acceptance of Terms

Terms of Use (“Terms”) govern access to and use of UltiCashFlowApp.com and all related software, applications, and services (collectively, the “Service”) operated by ER Squared, Inc., a United States S-Corporation (“Company,” “we,” “us,” or “our”).
By accessing or using the Service, you agree to be bound by these Terms.
If you do not agree, you must not use the Service.

2. Description of Service

UltiCashFlowApp provides articles on the website of potential interest to small businesses, as well as access to license the UltiCashFlow Excel workbook for cash flow forecasting, financial planning, analytics, reporting tools, and related business intelligence features designed for use by small businesses.

We reserve the right to modify, suspend, or discontinue any feature at any time without liability.

3. Eligibility

You must:

  • Be at least 18 years old
  • Have authority to bind your organization (if registering on behalf of a business)

You represent that all information provided is accurate and complete.

4. Account Registration & Security

You are responsible for:

  • Maintaining confidentiality of login credentials
  • All activity under your account
  • Promptly notifying us of unauthorized use

We may suspend or terminate accounts that violate these Terms.

5. Subscription, Billing & Payment

Certain features require paid subscription.

  • Fees are billed in advance (monthly or annually).
    All fees are non-refundable unless otherwise stated.
    We may change pricing at our discretion.

Payments may be processed via third-party providers (e.g., Stripe). Your payment information is subject to their terms.

Failure to pay may result in suspension or termination.

6. Financial Disclaimer

UltiCashFlowApp:

  • Is a decision-support tool only
    Does not provide accounting, tax, investment, or legal advice
    Does not guarantee financial performance

You remain solely responsible for financial decisions and compliance with laws.

7. User Data & Ownership

You retain ownership of all business and financial data entered into the Service (“User Data”).

Any suggested improvements provided by the User shall be deemed to be provided free of any charge or encumbrances. Any and all improvements made to UltiCashFlowApp and any Services shall be the sole property of ER Squared, Inc.

Any User Data shared for troubleshooting purposes shall be treated as confidential.

We do not sell User Data.

8. Acceptable Use

You agree not to:

  • Reverse engineer or copy the software
    • Use the Service for unlawful purposes
    • Upload malware
    • Attempt unauthorized access
    • Interfere with system integrity

Violation may result in immediate termination.

9. Intellectual Property

All software, design, trademarks, logos, and content are owned by ER Squared, Inc. or its licensors.

No rights are granted except as expressly stated.

10. Confidentiality

We will use commercially reasonable measures to protect the confidentiality of User Data.

You agree not to disclose proprietary aspects of the Service.

11. Data Security

We implement administrative, technical, and physical safeguards including:

  • Secure hosting environments
  • Access controls

However, no system is completely secure.

12. Service Availability & Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
We disclaim all warranties, including:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
    Accuracy of forecasts

We do not guarantee uninterrupted or error-free service.

13. Limitation of Liability

To the maximum extent permitted by law:
ER Squared, Inc. shall not be liable for:

  • Lost profits
  • Loss of business
  • Data loss
  • Indirect, incidental, special, or consequential damages

Total liability shall not exceed the total fees paid by you in the 12 months preceding the claim.

14. Indemnification

You agree to indemnify and hold harmless ER Squared, Inc. from claims arising out of:

  • Your use of the Service
  • Violation of law
  • Violation of these Terms

15. Termination

We may suspend or terminate accounts for breach.

16. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Connecticut.
Any dispute shall be resolved by:

  • Binding arbitration in New Haven County, Connecticut, USA

You waive the right to participate in class actions.

17. Changes to Terms

We may update these Terms periodically. Continued use constitutes acceptance.

18. Contact Information

ER Squared, Inc.
[email protected]

 

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