Terms of Service

Cash Flow Planner is software for planning cash flow. You enter accounts, balances and the income and expenses you expect, and the tool projects how your balance develops day by day.

Provided by Sergey Kozyrev, Schulzenstraße 4, 68259 Mannheim, Germany, email sergey.al.kozyrev@gmail.com.

Every figure shown is arithmetic applied to the information you entered. If your inputs are incomplete, wrong or out of date, the projection will be too. No accuracy of any forecast is guaranteed.

This service provides no financial, investment, tax or legal advice, and no recommendation to take or avoid any financial action. You alone remain responsible for your financial decisions.

The service does not connect to bank accounts, does not read bank data, does not initiate payments and never holds or moves funds. It is not a bank, payment service or financial institution.

You may use the tool without an account, in which case your plan stays in your browser and can be lost if you clear your browser data. With an account you are responsible for keeping your credentials safe. You may delete your data at any time.

The functions currently offered on this website are free to use. There is no paid plan at present and no payment obligation arises from these terms.

The service is provided as it is, without a guarantee of uninterrupted availability or freedom from errors. Liability is unlimited for intent and gross negligence and for injury to life, body or health; otherwise it is limited to foreseeable damage typical of this kind of free service. Statutory liability that cannot be excluded remains unaffected.

These terms may be updated as the product changes; the current version is always the one published here. German law applies, as far as mandatory consumer protection rules of your country of residence do not say otherwise.