This version takes effect on September 30, 2026. The previous version, dated August 20, 2026, continues to apply until then.
These Terms of Service ("Terms") are a binding agreement between you and Luxsoft ("Luxsoft", "we", "us", "our"), a software business based in British Columbia, Canada, and they govern your use of the CashBro mobile application, any related websites, and any support we provide (together, "CashBro" or "the app"). By creating an account, starting a free trial, purchasing access, or otherwise using the app, you agree to these Terms and to our Privacy Policy, which is incorporated into them. If you do not agree, do not use the app.
Please read sections 6, 13, 14 and 15 carefully. They describe what CashBro does not do and does not promise, they limit what we can be held liable for, and they set a cap on our total liability to you. They apply except where the law where you live does not allow them, and nothing in these Terms takes away a consumer right that cannot be taken away by contract.
You must be at least 13 years old to use CashBro, and at least 16 if you are in the European Economic Area or the United Kingdom. You must also be old enough to form a binding contract where you live; if you are a minor in your jurisdiction, you may use CashBro only with the involvement of a parent or guardian who agrees to these Terms on your behalf. CashBro is not directed to children.
CashBro is licensed to you for your personal, non-commercial use. You may not resell it, offer it as a service to others, or use it on behalf of a business without our written agreement.
You represent that you are not located in, and are not ordinarily resident in, a country subject to a comprehensive Canadian, United States or other applicable trade embargo, and that you are not on any applicable list of prohibited or restricted parties.
CashBro is a personal budgeting tool. It lets you record income, plan a monthly budget, log transactions, track bills and savings goals, and see summaries of what you have recorded. Everything CashBro shows you is derived from information you enter, or that you explicitly ask it to read on your behalf.
CashBro does not connect to your bank, and it never moves money. It does not hold funds, make payments, transfer money, extend credit, or act as a bank, money services business, payment processor, financial institution, adviser, broker, or fiduciary. It has no way to verify that what you have entered is accurate or complete, and it cannot detect a transaction you have not recorded.
You can sign in with Google, with Apple, or with an email address and password. You are responsible for keeping your sign-in method and password secure, and for everything that happens under your account. You must give us accurate information and keep it current. Tell us promptly at support@luxsoft.dev if you believe your account has been used without your permission.
One person, one account. Do not share your account, and do not create an account for anyone other than yourself.
Your data is yours. The financial information you enter belongs to you. You grant us a limited, worldwide, royalty-free licence to host, store, copy, transmit and process it solely so that we can operate CashBro for you, back it up, sync it between your devices, and provide support, all as described in our Privacy Policy. That licence ends when you delete the data or your account. We do not claim ownership of it and we do not use it to train AI models.
Our software is ours. CashBro, including its software, design, text, graphics and name, is owned by Luxsoft and its licensors and is protected by copyright, trademark and other laws. We grant you a personal, limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to install and use one copy of the app on devices you own or control, for the purposes these Terms allow. We reserve all rights not expressly granted. Nothing in these Terms transfers ownership of anything to you.
Feedback. If you send us an idea, suggestion, bug report or feature request, you agree we may use it without restriction, without owing you any payment, credit or confidentiality, and that we are free to develop something similar or identical whether or not we ever saw your message. You confirm you have the right to give us that feedback.
CashBro is a tool for organising your own money. It does not provide financial, investment, tax, accounting, legal or insurance advice, and using it does not create an advisory or fiduciary relationship between you and us. Every figure, total, projection, category, insight, report and estimate the app shows is informational only, is generated from what you entered, and is not a recommendation to take or avoid any action.
You are solely responsible for your financial decisions and for verifying anything before you rely on it. Consult a qualified professional for advice about your own circumstances.
Bill reminders and other notifications are a convenience, not a guarantee. They are scheduled locally on your device and delivered by your device's operating system, which may delay them, suppress them, batch them, or not deliver them at all, for reasons entirely outside our control: notification permissions, Focus and Do Not Disturb modes, low power mode, background restrictions, a device that is off, storage limits imposed by the operating system on how many reminders may be pending, a reinstalled app, a new device, or a change you made in the app. You remain solely responsible for paying your bills on time. CashBro does not pay bills, cannot pay bills, and will not be responsible for a late fee, interest charge, service interruption, credit consequence or other loss arising from a reminder that did not arrive, arrived late, or was dismissed.
The app's totals, budgets, remaining-to-spend figures, pace indicators, goal projections and reports are calculated from the records you created. If a record is missing, duplicated, mistyped, entered in the wrong month, or in a different currency than the one you have selected for display, the resulting figures will be wrong, and CashBro has no way to detect that. The currency setting changes only the symbol and formatting shown; it never converts amounts.
We aim to keep CashBro available and working, and we take reasonable care with the data you trust us with, but we do not guarantee that the app will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that data will never be lost or corrupted. The app depends on third-party infrastructure, on app store platforms, and on your own device and network. Keep your own copies of anything you cannot afford to lose. You can export everything at any time from Settings › Export my data, and we encourage you to do so regularly.
Some optional features use artificial intelligence to generate suggestions and summaries, such as expense category suggestions, bills detected from your email, and the monthly spending report. Where these features are available, they are clearly labelled in the app, and they run only when you choose to use them.
AI output is probabilistic. It may be inaccurate, incomplete, out of date, or confidently wrong, and it can misread an amount, a date, a merchant or a bill. Suggestions are applied only after you confirm them, and you should verify any figure before relying on it. AI features are provided on the same "as is" basis as the rest of the app, and we are not liable for a decision you make on the strength of AI output. How these features handle your data, and which providers are involved, is described in our Privacy Policy.
Free trial. New accounts include a 7-day free trial of the full app. No payment method is required to start it, and nothing is charged during it. When the trial ends, a purchase is required to keep using CashBro. Your data is not deleted when the trial ends, and you can export all of it at any time from Settings › Export my data, including from the purchase screen itself.
What is offered. CashBro is sold as an auto-renewing subscription billed monthly or annually, and as a one-time purchase that does not renew. Before you buy, the app shows you the plan name, the price in your local currency, the billing period, and whether the plan renews. Prices are set by us in the App Store and Google Play. We may change prices; an increase to an existing auto-renewing subscription only takes effect where the store has obtained your consent, in line with that store's rules.
Billing and renewal. Payment is charged to your Apple Account or Google Play account at confirmation of purchase. Auto-renewing subscriptions renew automatically for the same period at the then-current price unless cancelled at least 24 hours before the end of the current period, and the renewal is charged within 24 hours of the end of that period. Your store sends renewal reminders and receipts according to its own policies.
How to cancel. Manage or cancel a subscription in your Apple Account or Google Play account settings, at any time, with no cancellation fee. Cancelling stops future renewals and keeps your access until the end of the period you have already paid for. The app cannot cancel a subscription for you, because we are not the seller and have no access to your payment method. The one-time purchase does not renew and has nothing to cancel.
Refunds. Apple and Google are the sellers of record for these purchases, so refunds are requested from, and decided by, them under their own policies, not by us. Apple: reportaproblem.apple.com. Google Play: your Google Play order history. Where the law where you live gives you a right to cancel or to a refund, that right applies and nothing here removes it. If a store's process is not working for you, contact us and we will help where we can.
Accounts that predate paid access. Where we have granted an account a period of free access, that grant is honoured for the period stated to you. When it ends, the terms above apply.
You obtain CashBro through the Apple App Store or Google Play, and your use of it is also subject to that store's terms and usage rules. Where those rules conflict with these Terms in relation to your licence to use the app, the store's rules govern.
For CashBro obtained from the Apple App Store, you and we acknowledge that:
You agree not to:
CashBro depends on services operated by others, including our hosting and authentication provider, the app stores, our purchases provider, our error reporting provider, our email delivery provider, and, for the optional AI features, an AI provider. They are identified in our Privacy Policy. We are not responsible for those services, their availability, or their acts and omissions, and your use of them may also be governed by their own terms. If you connect an account you hold with a third party, such as Google, you are responsible for complying with that provider's terms.
We may add, change, suspend or remove features at any time, and we may stop offering CashBro entirely. If we decide to shut the service down, we will make reasonable efforts to give you advance notice in the app or by email, and to leave you enough time to export your data. Where we discontinue a service you have pre-paid for and you have not breached these Terms, we will arrange, or ask the relevant store to arrange, a pro-rated refund for the unused portion, unless we are discontinuing it because of your breach.
To the maximum extent permitted by applicable law, CashBro is provided "as is" and "as available", with all faults and without warranty of any kind. Luxsoft, its owners, employees, contractors, suppliers and licensors (together, the "CashBro Parties") disclaim all warranties, conditions, representations and terms, whether express, implied, statutory or otherwise, including any implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, quiet enjoyment, non-infringement, accuracy, and any warranty arising out of a course of dealing or usage of trade.
Without limiting that, we do not warrant that the app will meet your requirements; that it will be available, uninterrupted, timely, secure or error-free; that any figure, total, projection, categorisation, bill detection, report or reminder will be accurate, complete, timely or delivered; that defects will be corrected; or that the app or its servers are free of harmful components. No advice or information, whether oral or written, obtained from us or through the app, creates any warranty not expressly stated here.
Some jurisdictions do not allow the exclusion of implied warranties or conditions, so some or all of the above may not apply to you. In that case, such warranties are limited in duration and scope to the minimum permitted by that law, and your statutory consumer rights are unaffected.
To the maximum extent permitted by applicable law, the CashBro Parties will not be liable for any indirect, incidental, special, exemplary, punitive or consequential damages, or for any loss of profits, revenue, savings, business, goodwill or opportunity, any loss, corruption or inaccuracy of data, any cost of substitute goods or services, or any financial loss, in each case arising out of or relating to these Terms or your use of, or inability to use, CashBro. This applies regardless of the theory of liability, whether in contract, tort (including negligence), strict liability, breach of statutory duty or otherwise, and even if we have been advised of the possibility of such damages and even if a limited remedy fails of its essential purpose.
To the maximum extent permitted by applicable law, the total aggregate liability of the CashBro Parties for all claims arising out of or relating to these Terms or CashBro is limited to the greater of (a) the total amount you actually paid for CashBro in the twelve months immediately before the event giving rise to the claim, and (b) CAD $100. This cap applies in the aggregate across all claims, and the existence of more than one claim does not increase it.
Nothing in these Terms excludes or limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, for gross negligence or wilful misconduct where that cannot be excluded, or for any other liability that cannot be excluded or limited under the law that applies to you. Nothing in these Terms removes or limits any mandatory consumer-protection right you have where you live, including any right you have under the British Columbia Business Practices and Consumer Protection Act, and any provision here that would do so does not apply to you to that extent. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so some of the above may not apply to you.
You acknowledge that the disclaimers and limitations in sections 13 and 14 reflect a reasonable allocation of risk between us and are a fundamental basis of the bargain, and that the price of CashBro would be materially different without them.
To the extent permitted by applicable law, you agree to indemnify, defend and hold harmless the CashBro Parties from and against any third-party claim, demand, action, loss, liability, damage, fine, cost or expense (including reasonable legal fees) arising out of or relating to: (a) your breach of these Terms or of our Privacy Policy; (b) your misuse of the app, including any use in breach of section 10; (c) your violation of any law or of the rights of any third party, including intellectual property and privacy rights; (d) content or account access you provide to the app that you were not entitled to provide, including access to an email account that is not yours; or (e) your use of the app on behalf of a business or another person without our written agreement.
We will notify you of any such claim, and you may not settle it in a way that imposes an obligation or admission on us without our written consent. We may take over the defence of any claim at our own expense, and you agree to cooperate. This section does not apply to the extent the claim arises from our own breach, negligence or wilful misconduct, and it does not apply where you are a consumer and the law where you live does not permit it.
By you. You may stop using CashBro at any time, cancel any subscription through your app store, and permanently delete your account and all of its data from Profile then Delete Account. Export first if you want a copy; deletion cannot be undone.
By us. We may suspend or terminate your access to CashBro, in whole or in part, if you materially breach these Terms, if we reasonably believe your use is unlawful or exposes us or another user to legal or security risk, if required by law or by an app store, or if we discontinue the service under section 12. Where it is practicable and lawful to do so, and where the breach can be fixed, we will give you notice and a reasonable opportunity to fix it before suspending or terminating. For a serious breach we may act immediately.
What happens then. Unless the law requires otherwise or we are prevented from doing so, we will give you at least 30 days after termination to request an export of your data, after which your account and data may be permanently deleted. Terminating for your breach does not entitle you to a refund of amounts already paid, except where the law where you live provides otherwise. Amounts you have already paid remain subject to the store's refund policy in section 8.
Survival. Sections 4 (our software and your feedback), 5, 6, 9, 11, 13, 14, 15, 16, 17, 18 and 20 survive termination, along with any other provision that by its nature should survive.
Talk to us first. Most problems are a bug, a billing question, or a misunderstanding, and we would much rather fix it than argue about it. If you have a concern, please email support@luxsoft.dev with your account email, what happened, and what you would like us to do. We aim to respond within five business days and to work with you in good faith for 60 days.
This is a request, not a precondition. If you are a consumer, contacting us first is not a condition of bringing a claim and does not limit your right to go to court, to a small claims process, or to a consumer tribunal. Residents of British Columbia may be able to bring a claim through the Civil Resolution Tribunal, and may also contact Consumer Protection BC. If you are not a consumer, the 60-day period above is a condition precedent to commencing proceedings.
No mandatory arbitration, no class action waiver. These Terms do not require you to arbitrate, and they do not ask you to give up your right to bring or join a class proceeding. Nothing prevents you and us from agreeing to mediation or arbitration after a dispute has arisen, if we both choose to.
Time limit. To the extent permitted by applicable law, and except where you are a consumer whose limitation rights cannot be shortened by contract, any claim arising out of or relating to these Terms or CashBro must be commenced within one year after the claim arose.
These Terms and any dispute arising out of them or out of CashBro are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in it, without regard to conflict-of-law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
You and we agree to the exclusive jurisdiction of the courts of British Columbia, Canada. This does not deprive you of the protection of the mandatory law of the country where you habitually reside, and if you are a consumer resident elsewhere, you may also bring proceedings in the courts of your own place of residence where the law gives you that right. We may bring proceedings for an injunction or to protect our intellectual property in any court with jurisdiction.
We may update these Terms as the app changes or as the law requires. When we do, we will revise the "Effective date" above and post the updated version at this address. For a change that materially reduces your rights or materially increases your obligations, we will give you at least 30 days' notice before it takes effect, in the app or by email to the address on your account.
If you do not accept a change, you may stop using the app, cancel your subscription through your app store, export your data, and delete your account before the change takes effect. Continuing to use CashBro after the effective date means you accept the updated Terms. We will keep the previous version available on request.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about CashBro and replace any earlier agreement or understanding on the subject.
Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the rest of these Terms remain in effect.
No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
Assignment. You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms, in whole or in part, to an affiliate or in connection with a merger, acquisition, reorganisation, or sale of all or part of our business or assets, on notice to you; your rights under these Terms are not reduced by the assignment, and your personal data is handled as described in our Privacy Policy.
Force majeure. Neither of us is liable for a failure or delay caused by something beyond our reasonable control, including an outage at a third-party provider, an act of government, a network or power failure, a natural event, or an app store's actions.
No third-party rights. No one other than you and us has any right to enforce these Terms, except that Apple and its subsidiaries may enforce section 9 as described there.
Notices. We may give you notice in the app, or by email to the address on your account. You give us notice at support@luxsoft.dev.
Language. These Terms were drawn up in English, and translations are provided for convenience only; in the event of a conflict, the English version governs, except where the law where you live requires otherwise. Les parties ont exigé que la présente convention et tous les documents qui s'y rattachent soient rédigés en anglais, sauf lorsque la loi applicable l'interdit.
Headings. Section headings are for convenience and do not affect interpretation.
Questions about these Terms, or about anything in the app? Contact us at support@luxsoft.dev. We are Luxsoft, a software business located in British Columbia, Canada.