Welcome to Cash Goblin! These Terms of Service ("Terms") govern your use of the Cash Goblin Application, services, and content provided by TGBS Holdings, LLC ("Company," "we," "us," "our") and when you visit any of our websites. Cash Goblin is a personalized financial management application designed to revolutionize how entrepreneurs and business owners handle their finances. Cash Goblin streamlines the process of income allocation, ensuring that every dollar is effectively utilized to promote the growth and stability of your business. This Application is exclusively for United States residents; nonresidents are not authorized to use the Application. Please note that we are NOT a bank or financial institution.
By accessing, downloading, installing, or using the Application, related services, features, content, or any associated software, or taking any other action that indicates your agreement, you acknowledge that you have read, understand, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you (the person using this Application) and the Company.
Cash Goblin provides financial management tools and resources. The resources and services offered may be modified, updated, interrupted, suspended, or discontinued at any time without notice or liability. You agree that we will not be liable to you or any third party for any modification, suspension, or discontinuance of the Application or any related services or content.
The services provided by the Application may include, without limitation:
To provide functionality, we must have access to the content that you store or process using the Application. You grant us permission to collect, send, receive, process, store, alter, and create new information based on your content, credentials, and other information. You further grant us permission to use information about you and your experience to provide the services and/or to enhance the Application and services. You agree that we may disclose any information that we obtain in this manner if necessary to satisfy our legal obligations, to protect us, or to prevent harm or fraud against customers or third parties. We may, in our sole discretion, refuse to process, remove, or allow any content that we think is illegal, inappropriate, or in violation of these Terms. You hereby waive any of your moral rights in any content and/or other information to the maximum extent permitted by law.
Subscription Fees: You may be required to pay subscription fees to access premium features or content within the Application. These fees are specified in the Application or our website and are subject to change.
Payment Method: You must provide accurate and complete payment information when subscribing to premium services. By providing payment information, you authorize us to charge the specified fees using the chosen payment method.
Billing Cycle: Subscriptions are typically billed on a recurring basis, which may be monthly, annually, or according to another billing cycle specified during the subscription process.
Overdraft Fees Due to Customer Error: In the event of an ACH return including account overdraft due to your error, such as initiating a transfer from an account with insufficient funds, we will notify you of the ACH return. You are solely responsible for complying with any terms set by your bank or credit union with respect to your linked payment accounts, including any fees (e.g., nonsufficient fund or overdraft fees). If your bank or credit union charges a fee to Cash Goblin for an ACH return or overdraft due to your error, we will charge the amount of the fee to your account using the card or payment information on file.
Cancellation by User: You can cancel your subscription at any time by following the cancellation instructions provided within the Application or contacting our customer support. Cancellation will take effect at the end of the current billing cycle, and users will retain access to features until that time.
No Refunds: We will not provide you with refunds or pro-rata refunds for subscription cancellations. You are responsible for any fees incurred up to the date of cancellation.
Cancellation: We reserve the right to cancel or suspend your subscription and access to the Application, with or without cause and with or without notice, if you violate these Terms or engage in any fraudulent or abusive activities.
Price Changes: We may change the pricing of subscription plans or introduce new plans at any time.
Feature Changes: We may modify, add, or remove features or content within the Application at our sole discretion.
You agree to adhere to the payment and cancellation terms outlined in this section. It's essential that you review the current pricing and cancellation policies on our website and/or within the Application regularly.
For additional information or inquiries related to payments or cancellations, please contact our customer support team at info@cashgoblin.com.
To use Cash Goblin,
Cash Goblin Partner: Verified Customer Record: In order to use the payment functionality of our application, you must open a "Dwolla Account" provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in or transferred through your Dwolla Account are held or transferred by Dwolla's financial institution partners. You must be at least 18 years old to create a Dwolla Account. You authorize us to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla Account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla Account activity and can be reached at info@cashgoblin.com.
You agree not to misuse the Application or help anyone else do so.
Prohibited actions include, but are not limited to:
We take intellectual property seriously. It's important to us that our users understand how their intellectual property is protected, as well as how they should respect the intellectual property rights of others.
Ownership of Cash Goblin Software, Services, and Content: You acknowledge that the Application, services, and content are licensed and not sold. Subject to these Terms, you are granted a personal, limited, nonexclusive, nontransferable, revocable license to use the Application and services. All content provided through the Application, including but not limited to text, graphics, logos, icons, images, audio clips, and software, is the property of us or our content suppliers and is protected by international copyright laws.
User-Generated Content: Users may contribute their own content to the Application, such as comments, reviews, and suggestions. By submitting such content, you grant to us a worldwide, royalty-free, perpetual, irrevocable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any medium.
Intellectual Property Complaints: We respect the intellectual property rights of others. If you believe that your intellectual property rights have been infringed upon by a user of the Application, please contact us at info@cashgoblin.com with the following information:
Third-Party Content: The Application may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. Users are encouraged to review the terms and policies of such websites or services when accessing them through the Application.
Trademark Information: The Cash Goblin name and logo are our trademarks. We do not grant any license or other authorization to any trademarks, service marks, copyrightable material, or other intellectual property, whether or not registered or identified as such. You may not remove or modify any copyright or proprietary notices.
While we strive to provide accurate and up-to-date information through the Application, we do not make any warranties or representations regarding the accuracy, completeness, or reliability of the content. You acknowledge and agree that any reliance on such information is at your own risk.
The Application is provided on an "as-is" and "as available" basis. We do not guarantee that the Application will be uninterrupted, secure, or error-free. Your use of the Application is at your own discretion and risk, and you are solely responsible for any damages or loss of data that may result from such use.
Your use of the application and services is entirely at your own risk. The application and services are provided "as is" and "as available," and to the maximum extent permitted by applicable law, we, our affiliates, licensors, third-party content or service providers, distributors, dealers, and suppliers disclaim all guarantees and warranties, whether express, implied, or statutory, regarding the application and related materials and services including any warranty of fitness for a particular purpose, title, merchantability, and non-infringement. We do not warrant or guarantee the accuracy, reliability, completeness, usefulness, non-infringement of intellectual property rights, or quality of any content, regardless of the origin of such content. We do not warrant that the application is secure or free from bugs, viruses, interruption, errors, theft, or destruction, or that the site will meet your requirements. You understand and expressly agree that you bear all risks associated with using or relying on the application and/or services. We are not liable or responsible in any way for any content posted on or linked from the application, including but not limited to any errors or omissions in content, or for any losses or damage of any kind incurred as a result of the use of or reliance on the application, content, or services.
To the fullest extent permitted by applicable law, Company, its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) the use or inability to use the Application; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any errors or omissions in the content of the Application; or (d) any other matter relating to the Application. To the maximum extent permitted by applicable law, we and our suppliers will not be liable for claims relating to telecommunication failures or loss, corruption, failure of security or theft of data, viruses, spyware, or the like, whether based in contract, tort (including negligence), product liability or otherwise, even if we or our suppliers have been advised of the possibility of such damages and even if a remedy set forth herein is found to have failed of its essential purpose. In addition, and to the maximum extent permitted by applicable law, the maximum liability of the company and its suppliers for any and all claims arising hereunder will be the amount you paid to the company for products and services during the twelve (12) months prior to such claim. The limitations of damages set forth above are fundamental elements of the basis of the bargain between the company and you. The company would not have provided the application and services without such limitations.
You will indemnify Company, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees and costs, arising out of or in any way connected with your use of the Application, violation of these Terms, or violation of any third-party rights.
Company may change, delete, discontinue, or impose conditions on any feature or aspect of the Application (including but not limited to internet-based services, pricing, technical support options, and other product-related policies) without notice. Company reserves the right to discontinue all support for the Application and/or for any features, services, or content related to the Application.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. Such modifications will become effective immediately upon the posting thereof. You must review these Terms on a regular basis to keep yourself apprised of any changes. By continuing to access or use the Application after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you are no longer authorized to use the Application and any associated services.
Company reserves the right, at its sole discretion, to terminate or suspend your account and access to the Application and its services without notice or liability for any reason, including but not limited to breach of these Terms, request by law enforcement or other government agencies, discontinuance or material modification of the Application or any service offered on or through the Application, or technical or security issues or problems.
As a user, you may terminate your account and discontinue your use of the Application at any time. To terminate your account, please follow the account termination procedures specified within the Application or contact us at info@cashgoblin.com.
You agree that upon termination of your account, you will immediately destroy all complete and partial copies of the Application and cease all use of the Application and services. You acknowledge that Company reserves the right to take any necessary legal action to enforce this provision and the other Terms. Company reserves the right to deny access to the Application and related services, including to any user who has had their account terminated.
These Terms will be governed and construed in accordance with the laws of the United States and the State of Arizona without regard to conflict of law provisions. This Agreement is deemed entered into at Phoenix, Arizona, and is to be construed as to its fair meaning and not strictly for or against either party. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Application must be instituted exclusively in the federal or state courts in Maricopa County, Arizona, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You agree to submit to the jurisdiction of the federal and state courts of Maricopa County, Arizona, and waive any objection to venue in such courts.
This Governing Law provision applies to the fullest extent permitted by law and will survive any termination or expiration of these Terms or your use of the Application.
If you have any questions about these Terms, please contact us at info@cashgoblin.com.
These Terms of Service, together with any additional policies or guidelines referenced herein, represent the entire and complete agreement between Company and you concerning the use of the Application and services. If any provision of these Terms is invalid or unenforceable under applicable law, then it will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible, and the remaining provisions will continue in full force and effect.
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