Terms of Service
Please read this document before using freecashflow.ai. It reflects how the service currently operates; we keep it up to date as the service develops and post any material change on this page. Last updated: 2026-07-28.
1. Acceptance and eligibility
By creating an account or using freecashflow.ai (the "Service"), you agree to these Terms. You must be at least 18 years old and able to enter a binding contract. Access during this period is by single-use invitation only.
2. The Service and its beta status
The Service is a web application that generates Excel financial-model workbooks from user-defined specifications. It is currently a free, invitation-only beta, provided "as is" and "as available"; features may change and availability is not guaranteed. We may modify or discontinue any part of the Service during the beta.
3. Accounts and invitation codes
Registration requires a valid email address and a valid single-use invitation code, and you must confirm your email before your first sign-in. One person per account. You are responsible for keeping your credentials secure and for activity under your account, and you must notify us of any unauthorized use.
4. Acceptable use
You agree not to access other users' data, disrupt or overload the Service, scrape, reverse-engineer, or circumvent security or usage limits, or use the Service unlawfully. We may suspend accounts that break these rules; a suspension and its reason are reviewable through the contact page.
5. Your content and intellectual property
Your specifications, uploaded data and generated workbooks remain yours; you grant us only the limited licence needed to store and process them to operate the Service at your request. The Service software, design and trademarks remain ours. You are responsible for holding the rights to any data you upload.
6. Payment method during the beta
No fees are charged during the beta and no payment is processed. If you choose to add a card, only a masked reference (its brand and last four digits) is stored to prepare for future billing; the full card number never reaches our servers, and you can remove it at any time.
7. No financial advice; disclaimers and liability
The Service is a modelling tool, not financial, investment, accounting, tax or legal advice; its outputs depend on the inputs and assumptions you provide, and you are responsible for reviewing them. To the maximum extent permitted by law, the Service is provided without warranties, and our aggregate liability arising from it is limited to the amount you paid for it (zero during the beta). Nothing in these Terms limits liability that cannot be limited by law, including your mandatory consumer-protection rights.
8. Termination, changes, governing law and contact
You may delete your account at any time; your data is permanently purged after a short grace window. We may suspend or terminate accounts for breaches of these Terms. We may update these Terms and will announce material changes before they take effect. These Terms are governed by the applicable law where the Service is operated, without prejudice to the mandatory consumer-protection rights of your country of residence. Questions: the contact page or [email protected].