Hello Cashflow Terms of Service

Last updated: 1 October 2026

 

1. This agreement

1.1 These Terms of Service ("Terms") are between you and Hello Cashflow Limited (8169568) ("Hello Cashflow", "we", "us"). They govern your use of the Hello Cashflow web application, APIs, Financial Health Check reports, trials, documentation, and related services (collectively, the "Services", and the software that delivers them, the "Software").

 

1.2 By accessing or using the Services, including by requesting a free Financial Health Check or starting a trial, you acknowledge that you have read, understand, and agree to be bound by these Terms and our Privacy Policy.

 

1.3 If you are accepting on behalf of a company or other entity, you represent that you have authority to bind that entity, and references to "you" apply to the entity and its authorised users.

 

2. Right to use

2.1 Subject to your compliance with these Terms and any applicable order form, plan, or trial, Hello Cashflow grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for your internal business purposes, or for the business purposes of clients you are authorised to act for.

 

2.2 Where we provide you with APIs or documentation, we grant you a licence to use them on the same basis.

 

2.3 All rights not expressly granted remain with Hello Cashflow. We own the Software, the Services, and all intellectual property in them, including any improvements we make based on feedback you give us.

 

3. Permitted use

3.1 You may create and manage cashflow forecasts, budgets, and financial analytics for your organisation, or for client businesses you are authorised to act for as their accountant, bookkeeper, or adviser (a "Partner", see section 8).

 

3.2 You may connect authorised Xero organisations, QuickBooks Online companies, and other approved integrations to import data on a read-only basis.

 

3.3 You may invite team members to collaborate, subject to your subscription limits and role-based access controls.

 

3.4 You may request a Financial Health Check report for a business you own or are authorised to act for.

 

4. Restrictions

You must not, and must not permit others to:

 

4.1 Copy, modify, or create derivative works of the Software or the Services.

 

4.2 Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of the Services, except to the extent applicable law expressly permits it despite this restriction.

 

4.3 Circumvent security features, or access the Services in a way that compromises Hello Cashflow systems or other users.

 

4.4 Use the Services to provide time-sharing, service bureau, or similar services to third parties without our written permission, other than as a Partner acting for your own clients under section 8.

 

4.5 Scrape, crawl, or bulk-extract data from the Services other than through features we provide for that purpose, or use the Services or their outputs to train, fine-tune, or benchmark any machine learning model.

 

4.6 Introduce malicious code, interfere with network traffic, or engage in activity that degrades performance for other users.

 

4.7 Connect an accounting-provider organisation you are not authorised to access, or claim a one-time free offer more than once for the same business.

 

5. Your account and security

5.1 You are responsible for keeping your account credentials confidential, and for all activity that takes place under your account or the accounts of your team members.

 

5.2 You must make sure each user has their own login and must not share credentials.

 

5.3 You must tell us at support@hellocashflow.com as soon as you become aware of any unauthorised access to your account or any other security incident affecting the Services.

 

5.4 Our support staff may access your account and data to help you, to investigate a problem you have reported, or to check that a fix has worked. That access is limited to what the task needs and is logged. 

 

6. Free features, Financial Health Check, and trials

Some parts of the Services are available without a paid subscription, including the free Financial Health Check report and any free trial we offer ("Free Features"). Free Features are provided to help you evaluate Hello Cashflow. The following applies to them in addition to the rest of these Terms.

 

6.1 No service commitment. Free Features are provided as-is, without any uptime, support, or accuracy commitment. We may change, limit, suspend, or withdraw Free Features at any time.

 

6.2 Limits on free reports. Unless we say otherwise, the free Financial Health Check is available once per business for each reporting period we offer. We may decline or withdraw a free offer where we reasonably believe it is being claimed repeatedly, or for a business you are not authorised to act for.

 

6.3 Report availability. A Financial Health Check reflects the data available from your accounting provider at the time it is generated. We keep it available for the period set out in our Privacy Policy, and we are not obliged to keep it or regenerate it after that.

 

6.4 Follow-up communications. By requesting a free Financial Health Check or starting a trial, you agree that we may email you about your report and about Hello Cashflow subscription plans, as described in our Privacy Policy. You can unsubscribe at any time.

 

6.5 Same rules apply. Sections 4 (Restrictions), 5 (Your Account and Security), 7 (Accounting Provider and Third-Party Connections), 8 (Accountants, Bookkeepers, and Partners), 9 (Customer Data), 10 (Information, Not Advice), 11 (Confidentiality), and 14 to 20 apply to Free Features in full.

 

6.6 Trials. If a trial requires a payment method, section 12 applies from the day the trial starts.

 

7. Accounting provider and third-party connections

7.1 The Services let you connect to Xero, QuickBooks Online, and other third-party platforms.

 

7.2 You are responsible for obtaining and maintaining valid subscriptions for any third-party services.

 

7.3 You are responsible for ensuring your use complies with Xero's terms of use and Intuit's terms, including the QuickBooks App Store marketing and security requirements.

 

7.4 You are responsible for managing which team members can authorise or disconnect integrations.

 

7.5 Hello Cashflow accesses Xero and QuickBooks data only with your authorisation, and uses it in accordance with our Privacy Policy and each provider's platform policies. You may disconnect at any time from Xero (Settings, Connected apps), through the QuickBooks Apps dashboard, or by asking us at support@hellocashflow.com.

 

7.6 Xero and Intuit are not parties to these Terms and are not responsible for the Services.

 

7.7 Availability of integrations. Third-party platforms are outside of our control. We do not warrant that any integration will remain available, and a provider may change or withdraw its API, its pricing, or its developer terms at any time. If an integration becomes unavailable, or we have to withdraw it in order to comply with a provider's terms or with the law, we will tell you as soon as we reasonably can, and we are not required to refund fees on that account. If the integration was central to your use of the Services and we cannot restore it or offer a reasonable alternative within a reasonable time, you may cancel, and we will refund the unused portion of any fees you have prepaid.

 

8. Accountants, bookkeepers, and Partners

8.1 Partner accounts and adviser access. If you use the Services as an accountant, bookkeeper, or adviser for client businesses, you may register as a Partner and link client organisations to your Partner account. A link may be created in either direction, either a client accepting an invitation from you and connecting its accounting provider, or an organisation already using the Services being linked to your Partner account, but in every case the client must have authorised it. A client may also give you access to its organisation as an ordinary team member without a Partner account, and this section applies to you in that role too. You must not connect to or access a client's accounting data without that client's authority.

 

8.2 Your responsibility for clients. As a Partner you represent that each linked client has authorised you to access and use its data in the Services, that you have told the client that you and your team members will be able to see it, and that you have met your own obligations to that client and to any other people whose personal information appears in its data. You are responsible for your team members' use of client data and for removing their access when it is no longer needed.

 

8.3 Client data stays the client's. Customer Data belonging to a client remains that client's. You may use it only to provide services to that client. You must not use one client's data for another client, for benchmarking, or for your own purposes.

 

8.4 Billing. Unless we agree otherwise, the Partner pays for linked client organisations under the Partner's subscription and client limits. If a client's link to your Partner account ends, the client may continue with its own subscription, and we may contact the client directly to arrange that.

 

8.5 Ending a link. You can unlink a client at any time from the Partner dashboard. A client may ask us to remove a Partner's access at any time by emailing support@hellocashflow.com. When a link ends, the Partner's access to that client's data stops. The client's data is then kept or deleted under our Privacy Policy depending on whether the client keeps an account.

 

8.6 If you are the client. If your accountant or adviser is linked to your organisation through a Partner account, or you have added them as a team member, they (and, for a Partner, their team members) can see and work with your data in the Services. You remain the owner of your data. Sections 9 (Customer Data) and 10 (Information, Not Advice) and our Privacy Policy apply to you, and you can contact us at any time to ask what access exists or to end it.

 

9. Customer data

9.1 You retain all rights to the data you import into or create in the Services, including data imported to generate a Financial Health Check ("Customer Data").

 

9.2 You grant Hello Cashflow a limited, worldwide, non-exclusive licence to host, process, transmit, and display Customer Data as necessary to deliver the Services, including to generate and send reports to you.

 

9.3 You represent that you have the necessary rights to provide Customer Data, and that our use of it in accordance with these Terms will not breach any law or the rights of any third party.

 

9.4 Personal information about other people. Customer Data will usually contain personal information about people other than you, for example your customers, suppliers, contractors, and staff. In handling that information we act as your agent for the purposes of the Privacy Act 2020: we hold and process it on your instructions and in accordance with our Privacy Policy. You represent that you are authorised to disclose it to us, that you have met any notification or consent obligations you have to those people, and that you will deal with any request they make to you about it.

 

9.5 Aggregated and de-identified data. We may create aggregated and de-identified data from Customer Data, and use it to operate, secure, and improve the Services and, where our accounting platform partners permit it, to produce anonymous industry benchmarks. Aggregated and de-identified data does not identify you, your business, or any individual, and we will not publish or disclose Customer Data itself.

 

9.6 Know-how. We may use the general knowledge, skills, techniques, and methods we develop while providing the Services, including in providing them to other customers. This does not let us use or disclose Customer Data or your confidential information.

 

9.7 Backups. We take regular backups of Customer Data as part of running the Services. Those backups exist for our own disaster recovery and are not a substitute for your records. Your accounting provider remains your system of record, and you should keep your own copies of anything you cannot afford to lose.

 

10. Information, not advice

10.1 Forecasts, budgets, Financial Health Check reports, scores, recommendations, and other outputs of the Services ("Outputs") are generated automatically from data supplied by you or your accounting provider, and from assumptions you configure. Outputs are estimates provided for general information and planning purposes only. They are not financial, accounting, tax, investment, or legal advice, and they do not take your particular circumstances into account. Hello Cashflow is not a financial adviser and does not provide regulated financial advice under the Financial Markets Conduct Act 2013.

 

10.2 Outputs depend on the completeness and accuracy of the underlying data. Data from your accounting provider may be incomplete, out of date, unreconciled, or categorised in ways the Services do not recognise, and sync errors can occur. You should check Outputs against your own accounting records and consult a qualified accountant or adviser before making decisions based on them. You are solely responsible for any decision you make, and for any action you take or do not take, in reliance on Outputs.

 

11. Confidentiality

11.1 Each party agrees to protect the other party's confidential information using at least the same degree of care it uses to protect its own confidential information, and not less than reasonable care. The receiving party may use confidential information solely to fulfil its obligations under these Terms, and may disclose it only to employees or contractors who need to know and who are bound by confidentiality obligations, or where disclosure is required by law.

 

11.2 On request after these Terms end, each party will return or destroy the other's confidential information, except for copies it must keep by law or that sit in routine backups, which stay subject to this section for as long as they are held.

 

12. Fees, trials, and payment

12.1 Fees and currency. Access to the Services may require a paid subscription or usage fees as described in your order form or at online checkout. Fees are charged in US dollars unless we say otherwise, and are exclusive of GST and any other applicable taxes or duties, which we will add where they apply. If you are a New Zealand resident, GST will be added at the applicable rate. You are responsible for any bank, card, or currency conversion charges your provider applies. Fees are non-refundable except where these Terms say otherwise or the law requires it. You authorise Hello Cashflow or its payment processor to charge all applicable amounts to the payment method you provide.

 

12.2 Invoiced accounts. Where we invoice you rather than charge a payment method, we will issue a GST invoice and payment is due within 20 days of the end of the month in which the invoice is dated, by electronic transfer, in full and without set-off or deduction. We may charge interest on overdue amounts at 2 per cent above our bank's overdraft rate, calculated daily from the due date until we are paid, and we may recover the reasonable costs of collecting an overdue amount.

 

12.3 Card-upfront trials. Where we offer a trial that requires a payment method, the trial length and the plan price are shown at checkout before you start. We will not charge you during the trial, although your bank may display a temporary card authorisation. Unless you cancel before the trial ends, your subscription starts automatically when the trial ends and we will charge the price of the plan you chose to your payment method, and then on each renewal date until you cancel. We will email you a reminder before your trial ends. You can cancel at any time using Manage Subscription in your account settings, and cancelling before the trial ends means you will not be charged. Each organisation is eligible for one free trial. If you subscribe again later, billing starts immediately.

 

12.4 Renewals and changes. Subscriptions renew automatically for successive periods of the same length as the plan you chose, for example monthly or annually. For annual plans we will email you at least 14 days before each renewal, telling you the renewal date and the amount. If we change the price of your plan we will tell you at least 30 days beforehand, and the new price applies from your next renewal after that notice. If you do not want to continue at the new price you may cancel before it takes effect, and where you have prepaid we will refund the unused portion. If a payment fails at renewal we may retry it, and if it still fails we may suspend or end your subscription after telling you.

 

12.5 Lifetime access. If you purchased lifetime access to Hello Cashflow under the Lifetime Access Policy for Accountants and Advisors dated 31 July 2025, that policy continues to apply to your purchase and is set out in Schedule 1. Lifetime access is no longer offered for sale. References elsewhere in these Terms to refunding the unused portion of prepaid fees do not apply to Lifetime Access fees, which are non-refundable as set out in Schedule 1. If Schedule 1 conflicts with these Terms, Schedule 1 prevails for your purchased Client Connections. 

 

13. Term, termination, suspension, and data export

13.1 Term. These Terms begin when you first access the Services and continue until terminated.

 

13.2 Termination. Either party may terminate for material breach if the breach is not remedied within 30 days after written notice. You may end a subscription at any time by cancelling from your account settings, and end these Terms by closing your account. We may discontinue the Services entirely on 60 days' notice to you, in which case we will refund the unused portion of any fees you have prepaid. Either party may also terminate immediately if the other becomes insolvent, has a receiver, liquidator, administrator, or statutory manager appointed, enters into a compromise or arrangement with its creditors, or stops carrying on business.

 

13.3 Suspension. We may suspend your access if you breach section 4, or if your use puts the security or integrity of the Services or other customers at risk. Except where the risk is immediate, or where the law requires us to act at once, we will tell you first and give you a reasonable opportunity to fix the problem. We will restore access promptly once the issue is resolved.

 

13.4 Effect of termination. On termination your right to use the Services ends and you must stop using them.

 

13.5 Data export. For 30 days after your subscription ends or your account is closed, you may ask us at support@hellocashflow.com for an export of your Customer Data and the reports, budgets, and scenarios you created. We will send it in open formats that do not need Hello Cashflow to read them: ledger and report data as CSV, scenarios and settings as JSON, and your reports as PDF. After that period we delete your data in accordance with our Privacy Policy, and we are not obliged to keep it or provide it. We may withhold an export while fees remain unpaid, except where the law requires otherwise.

 

13.6 Survival. Sections 4, 5.3, 8.3, 9, 10, 11, 12 (as to any fees owing and clause 12.5), 13.5, 13.6, 14, 15, 16, 17, 19, and 20 survive termination.

 

14. Disclaimer of warranties

14.1 The Services are provided "as is" and "as available". Hello Cashflow and its suppliers disclaim all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Hello Cashflow does not warrant that the Services will be uninterrupted or error-free, that Outputs will be accurate or complete (see section 10), or that the Services will meet your requirements. This section is subject to section 16.

 

15. Limitation of liability

15.1 Excluded loss. To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, or business opportunities. Hello Cashflow will not be liable for any loss arising from decisions made in reliance on Outputs. This applies even if the party has been told the loss was possible.

 

15.2 Cap. Hello Cashflow's total liability for all claims arising out of or related to these Terms will not exceed the greater of the amounts you paid for the Services in the 12 months preceding the event giving rise to the liability, or US$250. 

 

15.3 What the cap does not cover. Nothing in this section limits either party's liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for breach of section 11 (Confidentiality). Nothing in this section limits your obligation to pay fees, or your liability under section 17 (Indemnity).

 

15.4 Contributed loss and mitigation. Neither party is liable for loss to the extent it is caused by the other party's breach of these Terms or its negligence. Each party must take reasonable steps to mitigate any loss it suffers.

 

15.5 This section is subject to section 16.

 

16. Consumer law

16.1 New Zealand. Where you acquire the Services for the purposes of a business, you and Hello Cashflow are both in trade, and these Terms are recorded in writing, you agree that the Consumer Guarantees Act 1993 does not apply, as permitted by section 43 of that Act, and that it is fair and reasonable for the parties to be bound by this agreement. On the same basis, and as permitted by section 5D of the Fair Trading Act 1986, you agree that sections 9, 12A, 13, and 14(1) of that Act do not apply to these Terms, and that it is fair and reasonable for the parties to be bound by that agreement.

 

16.2 Rights that cannot be excluded. Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, the Australian Consumer Law, or any other law that cannot lawfully be excluded. Where such a law applies and our liability cannot be excluded but can be limited, our liability is limited, at our option, to re-supplying the Services or paying the cost of having them re-supplied.

 

17. Indemnity

17.1 You agree to indemnify Hello Cashflow, its affiliates, and their respective officers, directors, employees, and agents against any third-party claim, and any resulting damages, liabilities, costs, and reasonable legal fees, arising out of or related to (a) your breach of these Terms, (b) Customer Data, including any claim that Customer Data or our permitted use of it breaches a third party's rights, or (c) your use of the Services in breach of applicable law.

 

17.2 This indemnity applies only if we tell you about the claim promptly, give you reasonable control of its defence and settlement (except that we may take part at our own cost, and you may not settle in a way that admits fault on our part or imposes an obligation on us without our consent), and give you reasonable assistance at your expense. It does not apply to the extent the claim arises from our own breach, negligence, or wilful misconduct.

 

18. Changes to these Terms

18.1 We may update these Terms to reflect new features, legal requirements, or security obligations. If we make material changes we will give you at least 30 days' notice by email or in-product alert.

 

18.2 Continued use of the Services after the changes take effect means you accept the revised Terms. If you do not agree to a change, you may cancel before it takes effect, and where you have prepaid we will refund the unused portion of your subscription.

 

19. General

19.1 Assignment. You may not assign or transfer these Terms without our written consent, which we will not unreasonably withhold. We may assign these Terms to an affiliate, or in connection with a merger, acquisition, financing, or sale of all or substantially all of our assets, on notice to you.

 

19.2 Force majeure. Neither party is liable for a failure or delay caused by something beyond its reasonable control, including natural disaster, war, civil unrest, epidemic, industrial action, failure of a telecommunications or hosting provider, or government action. This does not excuse an obligation to pay.

 

19.3 Severability. If any provision of these Terms is held unenforceable, it is modified to the minimum extent necessary to make it enforceable, or, if that is not possible, severed. The rest of the Terms continue in force.

 

19.4 No waiver. A failure or delay in enforcing a right is not a waiver of it.

 

19.5 Notices. We give you notice by email to the address on your account, or by in-product notice. You give us notice by email to support@hellocashflow.com. Notice is treated as received on the next business day after it is sent.

 

19.6 Entire agreement and precedence. These Terms and our Privacy Policy, together with any order form you have signed, are the entire agreement between us about the Services and replace anything said or written before. If there is a conflict, a signed order form prevails over these Terms, and these Terms prevail over the Privacy Policy on contractual matters. The Privacy Policy prevails on how we handle personal information.

 

19.7 Relationship. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between us, except as clause 9.4 provides for the purposes of the Privacy Act 2020.

 

19.8 No third-party rights. Only you and Hello Cashflow have rights under these Terms. No other person may enforce them, including a Partner's client or a client's Partner, except as these Terms expressly say.

19.9 Variations. Apart from the changes we may make under section 18 and the price changes under clause 12.4, any variation to these Terms must be in writing and agreed by both parties.

 

19.10 Publicity. We may identify you as a Hello Cashflow customer, and use your business name and logo, on our website and in marketing materials. Tell us at support@hellocashflow.com if you would rather we did not, and we will stop.

 

20. Governing law

20.1 These Terms are governed by the laws of New Zealand, without regard to conflict of law rules, and the parties submit to the non-exclusive jurisdiction of the New Zealand courts. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

 

21. Contact

21.1 Questions about these Terms may be sent to support@hellocashflow.com.

Hello Cashflow Limited (8169568), 490e Main Road North, Timberlea, Upper Hutt, 5018, New Zealand. All rights reserved. © 2026 Hello Cashflow.

​

 

Schedule 1: Lifetime Access Policy for Accountants and Advisors

Effective Date: 31 July 2025. This offer is closed to new purchases.

 

This Schedule applies only to Partners and direct purchasers who bought Lifetime Access before the offer closed. It is reproduced from the policy in force at the time of purchase; clause numbering is kept so existing references remain valid.

 

1. Scope of Access

1.1 Lifetime Platform Access. Upon purchase, Partner will receive full access to the Hello Cashflow platform for each Client Connection purchased, including all current and future features, product updates, and platform improvements, for the operational life of the Hello Cashflow service ("Lifetime Access").

 

1.2 Client Connection Defined. A "Client Connection" refers to one unique business entity (e.g., company or sole trader) added to the Partner's Hello Cashflow account. Each connection is linked to one Xero or QuickBooks integration, and usage must comply with Hello Cashflow's Terms of Service.

 

1.3 Partner Dashboard. Partners may manage multiple Client Connections through a centralised Partner Dashboard.

 

1.4 Reassigning a connection. A Partner may remove a client from a purchased Client Connection and assign that connection to a different client. Lifetime Access then applies to the new client, and the removed client's access under that connection ends. Only one client may use a Client Connection at a time. 

 

2. Pricing and Payment Terms

2.1 Lifetime Pricing. The one-time fee for Lifetime Access was: $250 NZD plus GST per Client Connection for qualified accountants and advisors; $500 NZD per business connection for direct-to-consumer purchases (not eligible for advisor perks).

 

2.2 No Recurring Charges. There are no ongoing subscription fees associated with Lifetime Access for purchased connections. Additional Client Connections may be added in the future at then-current market pricing.

 

2.3 Non-Refundable. All Lifetime Access purchases are final and non-refundable.

 

3. Availability and Purchase Limits

3.1 Offer Cap. Lifetime Access was limited to a total of fifty (50) partner firms. The offer is now closed.

 

3.2 Quantity Limits. Partners could purchase an unlimited number of Client Connections during the availability window, subject to the cap in Section 3.1.

 

4. Resale Rights and Revenue

4.1 Client Resale. Partners are authorised to resell Hello Cashflow services to their clients at their own discretion and pricing.

 

4.2 Revenue Retention. All recurring revenue derived from resold access to Client Connections is retained by the Partner.

 

4.3 Partner-Only Features. Certain benefits, such as training resources, roadmap input, and co-branded materials, are reserved exclusively for clients connected via Partner accounts and are not extended to direct purchasers.

 

5. Duration and Continuity

5.1 Definition of "Lifetime". "Lifetime" refers to the active operational duration of the Hello Cashflow platform under its current or successor ownership.

 

5.2 Preservation of Access. Hello Cashflow's intent is to honour all Lifetime Access commitments. However, in the event of acquisition, restructuring, or platform discontinuation, Hello Cashflow or its successors may revise the availability or structure of the service. Efforts will be made to preserve the value promised to early adopters.

 

6. Integrations and Platform Functionality

6.1 Available Integrations. Hello Cashflow integrates with Xero and QuickBooks Online.

 

6.2 Feature Inclusions. All current and future platform features are included in Lifetime Access, subject to Hello Cashflow's continued development and technical feasibility.

 

7. Support and Onboarding

7.1 VIP Support. Partners receive priority support via email, access to a private Facebook group, and direct input opportunities on the product roadmap.

 

7.2 Training Resources. Ongoing training materials and onboarding assistance are provided at no additional cost.

 

8. Additional Fees

8.1 Excess AI Usage. Hello Cashflow includes a fair-use quota of AI-driven features. Usage exceeding this quota may incur additional charges, payable by either the Partner or the client depending on which party triggers the overage.

 

8.2 Additional Client Connections. Client Connections beyond those purchased under the Lifetime Access offer will be charged at the standard market rate at the time of purchase.

 

9. Disclaimers

9.1 No Guarantee of Platform Continuity. While Hello Cashflow intends to continue operating indefinitely, no guarantee is made regarding the platform's availability or functionality beyond the present state. Partners acknowledge the inherent risks of acquiring perpetual software access.

 

9.2 Modifications to Policy. Hello Cashflow reserves the right to update this Policy at any time. However, material changes affecting rights under previously purchased Lifetime Access will not apply retroactively.

 

10. Contact

For enquiries regarding this Policy or the Lifetime Access program, please contact support@hellocashflow.com.