Terms & Conditions
Effective Date: October 27, 2025
Company: K & E Data, LLC dba cashpnb
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- 1. Acceptance & Scope
- 2. Accounts & Access
- 3. Subscriptions & Refunds
- 4. Nature of the Service
- 5. Privacy & Data Use
- 6. Security & Availability
- 7. Subscriber Responsibilities
- 8. No Warranty
- 9. Limitation of Liability
- 10. Arbitration & Class Waiver
- 11. Termination
- 12. Changes to Terms
- 13. Governing Law
- 14. Contact
1) Acceptance & Scope
These Terms & Conditions ("Terms") govern your use of the cashpnb platform operated by K & E Data, LLC dba cashpnb ("we," "us," "our"). By creating an account, accessing, or using the platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you may not use the platform.
These Terms apply to registered account holders ("Subscribers") only.
2) Account Registration & Access
- You must provide accurate information and maintain the security of your login credentials.
- You are responsible for all activity that occurs under your account.
- Sharing credentials or granting unauthorized access is prohibited.
3) Subscriptions, Billing & Refund Policy
Paid plans renew automatically on a monthly or annual basis until cancelled. All payments are final and non-refundable. You may cancel at any time; your access will continue until the end of the current billing cycle. Cancellation stops future billing only; past charges will not be refunded.
4) Nature of the Service (Informational Only)
cashpnb is an informational, organizational, and reporting tool. It does not provide financial, tax, legal, or investment advice. You are solely responsible for interpreting data and outputs, decisions you make based on that information, and for all tax, accounting, and legal obligations. Your use of the platform is at your own risk.
5) Privacy & Data Use (Essentials)
By using the platform, you authorize us to collect, process, and store data you submit (e.g., financial entries, property data, business records, notes, and uploaded files) to operate and improve the service.
- We do not sell or rent Subscriber data.
- We may use aggregated and de-identified data for analytics and product improvement.
- We may disclose data when required by law, to enforce these Terms, or to protect rights, property, or users.
Note: This section provides essential privacy terms within the T&C. A separate comprehensive Privacy Policy may be posted at /privacy for additional details.
6) Security, Availability & Data Integrity
We use commercially reasonable safeguards to help protect data. However, no system is 100% secure. Temporary downtime, outages, or loss of access may occur. We are not responsible for data loss, corruption, or delays. You agree to maintain your own backups of critical data.
7) Subscriber Responsibilities
- Do not use the platform for unlawful purposes.
- Do not upload malicious code or attempt to disrupt the service.
- Do not reverse engineer, scrape, or resell platform functionality.
- Maintain accurate information and comply with all applicable laws and taxes.
8) No Warranty
The platform is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
9) Limitation of Liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, punitive, or consequential damages. Our total liability to any Subscriber for claims arising from use of the platform is limited to the total subscription fees paid by that Subscriber during the preceding twelve (12) months. If you use the free version, our liability is zero.
10) Mandatory Binding Arbitration (Texas) & Class Action Waiver
All disputes arising out of or relating to these Terms or your use of the platform shall be resolved by final and binding arbitration in the State of Texas under the Commercial Arbitration Rules of the American Arbitration Association. There are no lawsuits in court and no jury trials. Class actions and class arbitrations are not permitted. You may bring claims only in your individual capacity.
11) Termination
We may suspend or terminate access at any time for violations of these Terms, abuse, fraud, misuse, or non-payment/chargeback. You may terminate by cancelling your subscription; access continues until the end of the current billing cycle.
12) Changes to These Terms
We may update these Terms periodically. We will post the updated Terms on this page with an updated Effective Date. Continued use of the platform after changes are posted constitutes acceptance of the revised Terms.
13) Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.
14) Contact
By creating an account or continuing to use cashpnb, you agree to these Terms.