Terms, privacy, cookies, and disclosures.

1. Operator

FloatFlow is operated by Daniel Heck, an individual based in Maryland, United States ("Operator," "we," "us").

2. Description of Service

FloatFlow provides a software platform for cash flow forecasting, financial visualization, and related tools ("Service").

3. No Financial Advice

The Service is provided for informational and educational purposes only.

• We do not provide financial, accounting, tax, or legal advice.
• Outputs are estimates and projections, not guarantees.
• You are solely responsible for decisions made using the Service.

4. User Responsibilities

You agree to:

• Provide accurate information.
• Maintain account security.
• Use the Service lawfully.
• Not misuse financial integrations or third-party data.

5. Integrations & Third Parties

FloatFlow integrates with QuickBooks Online and Plaid.

By using these integrations:

• You authorize data access through those platforms.
• You are subject to their respective terms and privacy policies.
• We are not responsible for third-party data accuracy or availability.

6. Data Accuracy Disclaimer

We do not guarantee:

• Accuracy of imported or user-provided data.
• Accuracy of forecasts or projections.
• Completeness or timeliness of financial information.

7. Limitation of Liability

To the maximum extent permitted by law:

• The Service is provided "as is" and "as available."
• We disclaim all warranties, express or implied.
• We are not liable for financial losses, business interruption, lost profits, or data loss.

Total liability is limited to the amount paid by you, if any, in the past 12 months.

8. Account Termination

We may suspend or terminate accounts for violations of these terms or fraudulent or abusive behavior.

9. Governing Law

These terms are governed by the laws of the State of Maryland, United States.

10. Dispute Resolution

You agree to binding arbitration and no class action participation.

11. Changes

We may update these terms at any time. Continued use constitutes acceptance.

1. Information We Collect

We collect account data, financial data, and usage data.

Account Data

• Name.
• Email.
• Login credentials.

Financial Data

• Financial inputs you provide.
• Data imported via QuickBooks Online and Plaid.

Usage Data

• Device/browser info.
• Interaction data.
• Session behavior.

2. Analytics & Tracking

We use Google Analytics, Meta Pixel, and Microsoft Clarity. These tools may track user behavior, record session interactions, and use cookies and similar technologies.

3. How We Use Data

We use data to:

• Provide and improve the Service.
• Generate financial forecasts.
• Analyze usage and performance.
• Communicate with users.

4. Data Sharing

We do not sell personal data.

We may share data with service providers, integration partners including QuickBooks and Plaid, and legal authorities when required.

5. Data Security

We implement reasonable safeguards, but no system is 100% secure. You use the Service at your own risk.

6. Data Retention

We retain data as long as your account is active and as needed for legal and operational purposes.

7. User Rights

Depending on location, you may have rights to access your data, request deletion, or request correction.

Contact: [email protected]

8. Third-Party Links

We are not responsible for third-party privacy practices.

Types of Cookies

• Essential cookies.
• Analytics cookies.
• Marketing cookies.

Third-Party Tools

Third-party tools include Google Analytics, Meta, and Microsoft Clarity.

User Controls

Users can disable cookies in browser settings and opt out of tracking where applicable.

Important

• All outputs are estimates and projections only.
• Results depend on user-provided data.
• We make no guarantees regarding accuracy or outcomes.
• This is not financial, accounting, or investment advice.

You assume full responsibility for business decisions and financial outcomes.

This Includes

• Pixel tracking.
• Behavioral analytics.
• Retargeting systems.