Disclaimer

Last updated: 24-May-2026

1. General Information Only

The information provided on OfCashy.com ("the Website", "OfCashy", "we", "us", or "our") and through our application is for general informational and educational purposes only. All content, tools, features, and functionality are provided in good faith.

OfCashy is a tool, NOT a financial advisor, investment advisor, or certified public accountant (CPA).

By using OfCashy, you acknowledge and agree that:
- Any financial decisions you make are solely your own responsibility
- We do not provide personalized financial, investment, tax, or legal advice
- Past performance or budgeting outcomes do not guarantee future results

2. No Financial Advice

The budgeting calculators, reports, analytics, spending insights, and any recommendations generated by OfCashy are based on the data you provide and general algorithms.

These do NOT constitute:

For personalized financial advice, please consult:
- A Certified Financial Planner (CFP)
- A Licensed Investment Advisor
- A Certified Public Accountant (CPA)
- An Attorney for legal matters
- A accredited credit counselor for debt issues

3. Accuracy and Completeness

While we strive to provide accurate and up-to-date information, OfCashy makes no representations or warranties of any kind, express or implied, about the:

- Completeness
- Accuracy
- Reliability
- Suitability
- Availability
- Timeliness

of the information, products, services, or related graphics contained on the Website for any purpose.

Data Input Responsibility: The accuracy of reports, budgets, and insights depends entirely on the accuracy of the data YOU input. OfCashy cannot verify the correctness of manually entered transactions, income amounts, or account balances.

Third-Party Data: If OfCashy integrates with third-party financial institutions (e.g., Plaid, Yodlee, or direct bank APIs), we rely on the data those institutions provide. We are not responsible for errors, delays, or omissions from these third-party sources.

4. No Warranties

To the fullest extent permitted by applicable law:

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

We do not warrant that:
- The Service will be compatible with all browsers, devices, or operating systems
- Data stored on our servers will never be lost (maintain your own backups)
- Budgeting with OfCashy will improve your financial situation

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OFCASHY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

TOTAL LIABILITY CAP: In jurisdictions that do not allow full exclusion of liability, our total aggregate liability to you shall not exceed the lesser of:

The amount you paid OfCashy in the past 12 months.

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise).

6. Forward-Looking Statements

Our website or communications may contain forward-looking statements regarding future features, integrations, pricing changes, or product roadmaps.

These statements are subject to risks and uncertainties including:
- Technical development challenges
- Resource availability
- Market conditions
- Third-party dependencies
- Regulatory changes

Actual results or timelines may differ materially from those expressed or implied. We undertake no obligation to update forward-looking statements.

7. Third-Party Links and Services

OfCashy may contain links to third-party websites, tools, or services (including but not limited to bank partners, payment processors, or educational content).

We do not:
- Endorse or guarantee any third-party products or services
- Assume responsibility for third-party privacy practices or terms
- Warrant the accuracy of third-party content

You access third-party resources at your own risk. Always review their terms, privacy policies, and disclaimers separately.

8. Testimonials and User Experiences

Any testimonials, case studies, or user success stories displayed on OfCashy are:
- Individual experiences and not guarantees of similar results
- Not necessarily representative of all users
- Provided voluntarily and may be edited for clarity or brevity

Your financial results will vary based on your spending habits, income, discipline, and unique circumstances.

9. No Professional-Client Relationship

Use of OfCashy, including but not limited to:
- Creating an account
- Accessing reports or analytics
- Communicating with our support team
- Reading our blog or educational content
- does NOT create any professional-client relationship (financial advisor-client, attorney-client, accountant-client, or therapist-patient).

No communication through the Service constitutes privileged or confidential information except as explicitly stated in our Privacy Policy.

10. Regulatory Compliance

We are a software tool provider, not a financial services firm.

Jurisdictional Restrictions: If you are in a jurisdiction that prohibits budgeting tools or financial aggregation services, you are responsible for determining whether your use of OfCashy complies with local laws.

11. No Guarantee of Results

We make no promises, guarantees, or representations that:

Financial success requires:
- Consistent effort
- Disciplined spending habits
- Realistic goal setting
- External factors beyond our control

12. Errors and Omissions

While we strive for perfection, OfCashy may contain:
- Typographical errors
- Calculation bugs
- Feature inconsistencies
- Outdated information

If you discover an error that materially affects your financial decisions, please contact us immediately at support@ofcashy.com. We will investigate and correct verified errors promptly.

However, you are ultimately responsible for verifying critical financial calculations (e.g., tax withholdings, loan interest, investment returns) with official sources or qualified professionals.

13. Force Majeure

OfCashy shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to:

During any force majeure event, our obligations are suspended without liability.

14. "AS IS" and "AS AVAILABLE" Acknowledgement

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. OfCashy does not warrant that:
- The Service will meet your specific requirements
- The Service will be uninterrupted, timely, secure, or error-free
- Results obtained from the Service will be accurate or reliable
- Any errors in the Service will be corrected
- No advice or information, whether oral or written, obtained by you from OfCashy or through the Service shall create any warranty not expressly stated in these terms.

15. Indemnification

You agree to defend, indemnify, and hold harmless OfCashy and its team members from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

Your reliance on any information provided by the Service

Your financial decisions made based on Service outputs

Your violation of any third-party rights

Your violation of applicable laws or regulations

Your dispute with any financial institution regarding data access

16. Changes to This Disclaimer

We reserve the right to update this Disclaimer at any time without prior notice. The "Last Updated" date at the top indicates when changes were made.

Your continued use of OfCashy after any changes constitutes acceptance of the revised Disclaimer. If you do not agree, please discontinue use and delete your account.

17. Contact Information

If you have any questions about this Disclaimer, please contact us: