Terms of Use

Last updated:

January 15, 2025

By using StashFlow, you agree to the following terms. Please read them carefully.

Table of Contents

1. Definitions

StashFlow

StashFlow refers to the web application accessible at stashflow.app, developed and operated by StashFlow. It is a personal finance analysis assistance tool.

User

User refers to any natural or legal person accessing the StashFlow Service, whether or not they use the features offered.

Service

Service refers to all features made available by StashFlow, including the web application, analysis tools, and any other functionality accessible via the site.

Data

Data refers to all information imported, entered, generated, or stored by the User in the context of using the Service, including in particular CSV files, bank transactions, balances, and generated analyses.

2. Service Description

StashFlow is:

  • A financial analysis assistance tool that allows you to visualize your bank transactions
  • A visualization and projection tool to understand the evolution of your balance
  • An assistant to identify your recurring fixed charges
  • A tool to prevent bank overdraft

StashFlow is NOT:

  • A bank or banking institution
  • A financial advisor or investment advisory service
  • An investment or trading service
  • An official or certified accounting service
  • A service guaranteeing absolute accuracy of results

3. Service Access

StashFlow is available free of charge to anyone with an internet connection and a modern web browser.

The Service is currently available in a free version. A Pro version with additional features may be offered in the future.

Service access may evolve. StashFlow reserves the right to modify, suspend, or interrupt access to the Service, particularly for technical or maintenance reasons.

StashFlow does not guarantee 100% availability of the Service. Temporary interruptions may occur.

StashFlow reserves the right to modify, improve, or evolve the Service at any time, without notice.

4. Data & Responsibility

User Responsibilities

  • The User is solely responsible for the Data they import, enter, or use in the context of the Service.
  • The User guarantees the accuracy, completeness, and legality of the Data they provide.
  • The User is responsible for the security of their access to the Service and the confidentiality of their data.
  • The User agrees not to use the Service for illegal or fraudulent purposes.

StashFlow Limitations

  • StashFlow does not verify the banking accuracy of Data imported by the User.
  • StashFlow does not guarantee absolute accuracy of results, analyses, or projections generated by the Service.
  • StashFlow processes Data locally on the User's device and does not transmit it to its servers.
  • Calculations and analyses are performed based on Data provided by the User, without external validation.

5. Important Warning

The information provided by StashFlow is indicative and for decision-making assistance purposes. It does not constitute personalized financial, legal, or tax advice.

Projections, analyses, and results generated by the Service are based on Data provided by the User and cannot be considered as guarantees or absolute predictions.

The User remains solely responsible for their financial decisions, whether made with or without considering the information provided by StashFlow.

StashFlow recommends that Users consult a qualified professional (financial advisor, accountant, etc.) for any important financial decision.

6. Intellectual Property

The StashFlow Service, including in particular the website, source code, designs, logos, texts, graphics, and any other intellectual work, is the exclusive property of StashFlow and is protected by French and international laws relating to intellectual property.

It is strictly forbidden to reproduce, copy, modify, adapt, translate, distribute, sell, or exploit in any way the Service or its components without prior written authorization from StashFlow.
It is forbidden to use StashFlow trademarks, logos, or names without prior authorization.
Any unauthorized use of the Service or its components may result in legal proceedings.

7. Acceptable Use

The User agrees to use the Service in a legal manner and in accordance with its intended purpose. It is particularly forbidden to:

Use the Service for illegal, fraudulent purposes, or contrary to public order
Attempt to circumvent Service security measures or access unauthorized areas
Disrupt the operation of the Service or the servers hosting it
Transmit viruses, malicious code, or any other harmful element
Use the Service abusively (excessive loading, intrusion attempts, etc.)
Reproduce, copy, or resell the Service or its components

8. Accounts & Subscriptions

The Service is currently accessible free of charge without requiring a user account.

If a Pro or paid version is offered in the future, subscription conditions will be communicated separately.

In case of a paid subscription, the User may cancel their subscription at any time, in accordance with the then-current conditions.

Prices and subscription conditions may be modified, but no retroactive modifications will be applied to already paid periods.

9. Liability Limitation

StashFlow cannot be held liable for financial losses, direct or indirect, resulting from the use or impossibility of using the Service.

StashFlow cannot be held liable for interpretation errors or bad decisions made by the User based on information provided by the Service.

StashFlow cannot be held liable for damages resulting from inappropriate use of the Service or violation of these terms.

StashFlow does not guarantee that the Service will meet the User's specific expectations or that it will be available uninterruptedly.

In all cases, StashFlow's total liability cannot exceed the amount of sums possibly paid by the User for a paid subscription.

10. Terms Evolution

StashFlow reserves the right to modify these Terms of Use at any time. Modifications will take effect upon their publication on the site. The date of last update is indicated at the top of this page. Users are recommended to regularly consult this page to be aware of any modifications. Continued use of the Service after modification of the terms constitutes acceptance of the new terms.

11. Applicable Law

These Terms of Use are governed by French law and European Union law. In case of dispute, and in the absence of an amicable agreement, French courts will have exclusive jurisdiction over the dispute.

12. Contact

For any questions regarding these Terms of Use, you can contact us: