Terms of Service
Please read these Terms of Service carefully before using iam.cash and its tools. By accessing or using our services, you agree to be bound by these terms.
1. Description of Service
iam.cash provides free financial assessment tools for startup founders and small business owners. Our tools include the Founder Risk Score, Runway Calculator, Tax Exposure Calculator, and Cash Flow Health Score. These tools are provided free of charge in exchange for your email address to deliver results.
2. Not Financial Advice
IMPORTANT: iam.cash tools provide estimates and educational information only. Nothing on this website constitutes financial advice, tax advice, legal advice, or investment advice.
Our tools use simplified models and general assumptions. Results are approximations and should not be relied upon for actual financial, tax, or business decisions. Before making any significant financial decision, please consult with a qualified financial advisor, CPA, attorney, or other professional appropriate to your situation.
3. No Warranty
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:
- The results produced by our tools are accurate, complete, or current
- The services will be uninterrupted, error-free, or free from harmful components
- The information provided is applicable to your specific situation
The scores, calculations, and recommendations produced by our tools are illustrative estimates based on simplified models. Actual financial outcomes will vary.
4. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, iam.cash AND ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING FROM YOUR USE OF OUR SERVICES OR RELIANCE ON OUR TOOL OUTPUTS.
Our total liability for any claim arising from your use of our services shall not exceed $0 (the amount you paid for our services).
5. Acceptable Use
You agree not to:
- Use our services for any unlawful purpose
- Attempt to reverse engineer, scrape, or copy our tools or content at scale
- Submit false or misleading information
- Use automated scripts or bots to interact with our tools
- Interfere with the security or integrity of our services
6. Email Communications
By submitting your email to unlock tool results, you consent to receiving your results and related follow-up communications from iam.cash. You can unsubscribe at any time using the link in any email we send. We will not send you more than one email per week per tool completed, unless you have given additional consent.
7. Intellectual Property
All content on iam.cash, including tool designs, copy, and comparison articles, is owned by iam.cash or its licensors. You may not reproduce, distribute, or create derivative works from our content without written permission, except for personal, non-commercial use.
8. Third-Party Links
Our comparison pages and content may reference or link to third-party products, services, and websites. We are not affiliated with, endorsed by, or responsible for any third-party content or services. Brand names (Mercury, Brex, Stripe, PayPal, etc.) are trademarks of their respective owners and are used for identification and comparison purposes only.
9. Changes to These Terms
We reserve the right to modify these terms at any time. Material changes will be communicated to registered users via email. Continued use of our services after changes constitutes acceptance of the updated terms.
10. Governing Law
These terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.
11. Contact
For questions about these terms: legal@iam.cash