Terms of Service
Effective date: August 27, 2026
These terms are a contract between you and Pathway System Solutions LLC, an Alabama limited liability company ("we", "us", "our"). They cover your use of Business Cash Manager, together with the websites at app.businesscashmanager.com and businesscashmanager.com. Where these terms say "the Service", they mean Business Cash Manager.
We offer other software products. Each one has its own Terms of Service covering it, and these terms do not cover any of them. The current list is at https://www.pathwaysystemsolutions.com/terms-of-service.
By creating an account or using the Service, you agree to these terms. If you do not agree, do not use it.
1. The Service these terms cover
We build software for small business owners. Each product is subscribed to separately, priced separately, and governed by its own terms.
| Service | What it does | Where it is |
|---|---|---|
| Business Cash Manager | Records the money you expect to come in and go out, and shows what your cash position is likely to be on a future date | app.businesscashmanager.com |
These terms cover Business Cash Manager only. A product these terms do not name is not described by them. Our other products, each with its own terms, privacy policy, and refund policy, are listed at https://www.pathwaysystemsolutions.com/terms-of-service.
Business Cash Manager
Business Cash Manager is software that helps a business owner record the money they expect to come in and go out, and see what their cash position is likely to be on a future date.
You enter your own information. It does not connect to your bank, does not read your bank accounts, and does not import your transactions. Every figure in it is there because you or someone you gave access put it there.
2. Our software is not advice
This is the most important term in this agreement, so it is stated plainly. It applies to every Service.
No Service we offer provides, and none may be relied on as, accounting, bookkeeping, tax, legal, investment, or financial advice. No Service is a substitute for a certified public accountant, an enrolled agent, an attorney, or any other licensed professional.
Using the Service does not create a professional relationship of any kind between you and us, and it does not create a client relationship with any tax or accounting practice affiliated with our owner. Any such practice is a separate business, engaged separately, under a separate written agreement.
You are responsible for every decision you make. If something the Service shows you influences a decision, that decision remains yours.
Business Cash Manager: a projection is arithmetic, not a prediction
Business Cash Manager produces projections based on the information you enter. A projection is an arithmetic result, not a prediction, a guarantee, or professional advice. It describes what would happen if everything you entered turned out to be complete and correct and nothing else changed, which is not a claim anyone can make about the future.
Because of that, a projection is a starting point for a financial decision and never the whole basis for one.
You are responsible for the inputs, the decisions, and the results
The Service performs arithmetic on information that you supply. It does not verify that information against your bank or against any other source, it cannot know whether what you entered is complete, and it has no way to detect that a figure is wrong, missing, entered twice, or out of date.
Because of that, and as a condition of using the Service, you acknowledge and agree:
- The inputs are yours. Every account, balance, bill, receivable, date, and amount in your account is there because you put it there.
- The outputs follow directly from the inputs. Every balance, projection, shortage date, and total the Service displays is a calculation performed on what you entered. If an input is wrong or missing, the output will be wrong, and the Service will display that wrong output exactly as confidently as a correct one.
- The decisions are yours. The Service may inform a decision, but it does not make one and it does not recommend one. What you pay, when you pay it, what you collect, what you spend, and whether you act on any figure shown to you are your decisions alone.
- The results are yours. The consequences of those decisions, financial or otherwise, rest solely with you, as the person who supplied the inputs and made the choices based on them.
You agree not to treat the Service as your sole basis for any financial decision, and to verify figures against your actual bank records before acting on them. The Service is a tool for organizing information you already have. It is not a source of truth about your money, and your bank remains the authority on your actual balance.
3. Your account
You need an account to use the Service. Accounts are created and secured through an authentication provider rather than by us directly. For Business Cash Manager that provider is Clerk.
You agree to provide accurate information when you sign up, to keep your login credentials confidential, and to notify us at support@businesscashmanager.com if you believe someone has gained access to your account without your permission.
You are responsible for everything that happens under your account, including anything done by a person you gave access to.
You must be at least 18 years old and able to enter into a contract. The Service is intended for business use. It is not intended for children and we do not knowingly collect information from anyone under 13.
One subscription covers one business, and it covers one Service. If you operate multiple businesses that each need their own separate set of books, each one needs its own subscription.
4. Your data belongs to you
The information you enter into the Service is yours. We do not own it, we do not sell it, and we do not use it to build products for anyone else.
Every Service lets you take your data out and lets you delete it, without asking us and without a paid subscription. You should never have to keep paying in order to get your own records back, and you should never have to ask permission to leave.
In Business Cash Manager, you can export your data to CSV at any time from inside the Service, and you can delete your account and all of its data using Delete your account on the Your account page. What deletion does and how long it takes is described in our Privacy Policy.
How we handle your information is covered in full by our Privacy Policy, which is part of these terms.
5. Acceptable use
You agree not to:
- Use the Service for anything illegal, or to conceal or facilitate anything illegal
- Attempt to access another customer's data, or any part of our systems you were not granted access to
- Probe, scan, or test the security of the Service, or interfere with its normal operation
- Copy, resell, sublicense, or white-label the Service, or offer it to third parties as your own product
- Reverse engineer the Service, or use automated means to scrape or bulk-extract from it
- Upload malicious code, or anything that would harm the Service or other customers
We may suspend or close an account that violates this section. Where it is reasonable to do so, we will contact you first.
6. Pricing, trial, and billing
Free trial. New accounts get a free trial of the length shown in the table below. A payment method is required to start the trial. You will not be charged during it.
Automatic charge at the end of the trial. At the end of the trial, unless you cancel first, your subscription begins automatically and the payment method on file is charged the plan price you selected. You may cancel at any point during the trial and you will not be charged. Sign in, go to Your account, and click Manage billing. That opens our payment provider's billing portal, where you can cancel.
Subscription plans. Each Service is priced and subscribed to separately. A subscription to one does not give you access to another.
| Service | Free trial | Monthly | Annual |
|---|---|---|---|
| Business Cash Manager | 30 days | $29 per month | $249 per year |
Prices are in United States dollars and do not include any taxes that may apply.
Automatic renewal. Subscriptions renew automatically at the end of each billing period, monthly or annually, and the payment method on file is charged for the next period. This continues until you cancel. Sign in, go to Your account, and click Manage billing. That opens our payment provider's billing portal, where you can cancel. Cancellation takes effect at the end of the period you have already paid for.
Payment processing. Payments are processed by Stripe. We do not receive or store your full card number. Your payment details are handled by Stripe under their terms and privacy policy.
Failed payments. If a charge fails, we may retry it. If payment cannot be collected, we may suspend access to the Service until the balance is settled. Your data is not deleted because of a failed payment, and you can still export it.
Price changes. We may change our prices. If we do, we will give you at least 30 days notice by email before the change applies to you, and the new price takes effect on your next renewal after that notice. If you do not want to continue at the new price, you can cancel before it takes effect.
Price lock. If we granted you a written price lock, that rate is honored for as long as your subscription stays continuously active. If you cancel and later return, the price lock does not carry over.
Refunds are covered by our Refund and Cancellation Policy, which is part of these terms.
7. Availability and changes to the Service
We work to keep the Service available and correct, but we do not promise uninterrupted access. The Service may be unavailable for maintenance, updates, or reasons outside our control.
We may add, change, or remove features. If we remove something you depend on, or make a change that substantially reduces what the Service does, we will give you reasonable notice by email.
We may discontinue the Service entirely. If we do, we will give you at least 60 days notice, you will be able to export your data throughout that period, and we will refund any prepaid time you have not used.
8. Ending the agreement
You may cancel at any time. Sign in, go to Your account, and click Manage billing. That opens our payment provider's billing portal, where you can cancel. You may also delete your account and all of its data at any time, using Delete your account on the same page.
We may suspend or terminate your account if you materially breach these terms, if we are required to by law, or if your use puts the Service or other customers at risk. Except where the breach requires immediate action, or where the law prevents it, we will give you notice and a chance to fix the problem.
If we terminate your account for reasons other than your breach, we will refund the unused portion of any prepaid time.
To be clear about the difference between the two: cancelling your subscription does not delete anything. Your data stays exactly as it is, and you can still export it. Deletion only happens when you delete your account yourself, or when we close an account under this section.
Where we close an account under this section, we retain the data for 30 days so an account closed in error can be restored and so you have a window to export, and then we permanently delete it.
9. Our intellectual property
The Service, including its software, design, and content, belongs to us. These terms give you a limited, non-exclusive, non-transferable right to use the Service while your subscription is active. Nothing in these terms transfers ownership of the Service to you.
Feedback you send us about the Service may be used freely and without obligation to you.
10. DISCLAIMER OF WARRANTIES
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, OR THAT ANY PROJECTION, CALCULATION, BALANCE, OR OTHER OUTPUT OF THE SERVICE IS ACCURATE, COMPLETE, OR SUITABLE FOR ANY DECISION YOU MAY MAKE. THE OUTPUT OF THE SERVICE DEPENDS ENTIRELY ON THE INFORMATION YOU ENTER, AND WE DO NOT VERIFY THAT INFORMATION.
YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ANY FIGURE BEFORE RELYING ON IT, AND FOR MAINTAINING YOUR OWN RECORDS INDEPENDENTLY OF THE SERVICE.
SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
11. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR ANTICIPATED SAVINGS, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE ABOVE, WE WILL NOT BE LIABLE FOR ANY OVERDRAFT, RETURNED PAYMENT, LATE FEE, BANK CHARGE, PENALTY, INTEREST, TAX LIABILITY, MISSED PAYMENT, LOST OPPORTUNITY, OR OTHER FINANCIAL CONSEQUENCE ARISING FROM A DECISION YOU MADE IN CONNECTION WITH THE SERVICE OR ANY PROJECTION IT PRODUCED.
OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE, IN THE AGGREGATE, WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100).
THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH A CLAIM IS BASED, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, AND APPLY EVEN IF A LIMITED REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY FOR FRAUD, FRAUDULENT MISREPRESENTATION, OR ANY OTHER LIABILITY THAT CANNOT BE LIMITED BY LAW.
12. Indemnification
You agree to indemnify and hold us harmless from any claim, loss, or expense, including reasonable attorney fees, arising from your use of the Service, your violation of these terms, your violation of any law, or your infringement of anyone else's rights.
13. Changes to these terms
We may update these terms. If a change is material, we will give you at least 30 days notice by email or through the Service before it takes effect.
If you continue using the Service after a change takes effect, you have accepted the updated terms. If you do not agree, you may cancel, and we will refund the unused portion of any prepaid time.
We will keep the effective date at the top of this page current.
14. Governing law and disputes
These terms are governed by the laws of the State of Alabama, without regard to its conflict of law rules.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.
Talk to us first
Before starting arbitration or filing any formal claim, you agree to contact us at support@businesscashmanager.com, describe the problem, and give us 30 days to resolve it informally. We will do the same before bringing a claim against you. Most disputes end here, and we would rather they did.
Binding individual arbitration
If we cannot resolve a dispute informally, you and we agree that any dispute arising out of or relating to these terms or the Service will be resolved by binding individual arbitration rather than in court, except as stated under Exceptions below.
Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules in effect when the claim is filed. Arbitration will take place in Madison County, Alabama. At your election it may instead be conducted by telephone or video conference, or decided by the arbitrator on written submissions alone, so that distance is never the reason a claim is not heard. The arbitrator's decision is final and binding, and judgment on the award may be entered in any court with jurisdiction.
The arbitrator, and not any court, decides all questions about whether this arbitration agreement applies to a given dispute, except as stated in the class action waiver below.
Exceptions
This arbitration agreement does not apply to:
- A claim brought in small claims court, if it qualifies under that court's rules. Either of us may bring one.
- A request to a court for an injunction to protect intellectual property, or to stop unauthorized access to or misuse of the Service.
Class action waiver
YOU AND WE EACH AGREE TO BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS PROCEEDING.
If a court decides that this class action waiver is unenforceable as to a particular claim, then that claim, and only that claim, will be separated out and brought in court. Every other claim will still be arbitrated. A court, not an arbitrator, decides whether this paragraph is enforceable.
You can opt out of arbitration
You may opt out of this arbitration agreement, including the class action waiver, within 30 days of first accepting these terms. Email support@businesscashmanager.com with your name, the email on your account, and a statement that you are opting out of arbitration. That is all it takes.
Opting out affects nothing else in these terms, does not affect your subscription, and we will not treat you differently for doing it. If you opt out, disputes go to the state or federal courts located in Madison County, Alabama, and you and we each consent to the jurisdiction of those courts.
Costs of arbitration
Where the AAA Consumer Arbitration Rules apply, we will pay the filing, administration, and arbitrator fees that those rules assign to us. If you cannot afford the portion assigned to you, tell us and we will pay it. Cost is not meant to be the reason a legitimate claim goes unheard.
If arbitration does not apply
If this arbitration agreement is found not to apply to a dispute, or you have opted out, that dispute will be brought exclusively in the state or federal courts located in Madison County, Alabama, and you and we each consent to the jurisdiction of those courts.
15. General
Entire agreement. These terms, together with the Privacy Policy and the Refund and Cancellation Policy, are the entire agreement between you and us about the Service, and replace any earlier agreement or understanding.
Severability. If any part of these terms is found unenforceable, the rest stays in effect and the unenforceable part is limited to the minimum extent necessary.
No waiver. If we do not enforce a term, that is not a waiver of our right to enforce it later.
Assignment. You may not assign these terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of our business, on notice to you.
Force majeure. Neither of us is liable for failure to perform caused by events outside our reasonable control.
16. Contact
Questions about these terms:
Pathway System Solutions LLC 2246 Winchester Road NE, Suite 300 #208 Huntsville, AL 35811 support@businesscashmanager.com
Portions adapted from the Basecamp open-source policies, used under CC BY 4.0, and from the Common Paper standard Terms of Service.