Terms of Use (End-User License Agreement)
Effective Date: [May 18, 2025]
Last Updated: [May 18, 2025]
Welcome to CakeClub™ – your smart partner in financial planning, budgeting, and cash flow optimization.
These Terms of Use (“Terms”, “Agreement”) govern your access to and use of the CakeClub™ website (www.cakeclubapp.com) and mobile application (“App”), operated by CakeClub™, a product of Servat LLC (“we”, “us”, “our”).
By accessing or using our website or app, you agree to be bound by these Terms. If you do not agree, do not use the service.
1. Acceptance of Terms
By creating an account, downloading our app, or using any part of CakeClub™, you confirm that:
• You are at least 18 years old
• You have the legal capacity to enter into this agreement
• You have read, understood, and accepted these Terms
2. License Grant
Subject to your compliance with these Terms, CakeClub™ grants you a limited, non-transferable, non-exclusive, revocable license to:
• Access and use the App and Website for personal, non-commercial use
• Install the App on a device you own or control
You may not:
• Modify, reverse engineer, or decompile the App
• Rent, lease, or sublicense the software
• Use the App to develop competing services
• Violate any applicable law or regulation
3. User Account & Security
You may be required to create an account to access some features. You agree to:
• Provide accurate and up-to-date information
• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized access to your account
You are fully responsible for activities conducted through your account.
4. Subscriptions & Payments
CakeClub™ may offer free and premium services. By subscribing, you agree to:
• Pay applicable fees as disclosed at the time of purchase
• Authorize us to process payments via your selected method
• Understand that fees are non-refundable unless required by law
Subscription terms may auto-renew unless you cancel in your account settings before the next billing cycle.
5. Financial Tools Disclaimer
CakeClub™ provides budgeting, spending analysis, and cash flow management tools. However:
• We are not a financial advisor, broker, or tax consultant
• Information provided is for informational purposes only
• Always consult a qualified professional for financial decisions
Your use of CakeClub™ does not create any fiduciary relationship.
6. Privacy and Data
Your use of the CakeClub™ platform is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your data in accordance with our Privacy Policy.
We are committed to keeping your personal and financial data secure.
7. Intellectual Property
All content on CakeClub™, including software, logos, trademarks, graphics, and text, are the intellectual property of Servat LLC or its licensors and protected by copyright and trademark laws.
You may not use, copy, or reproduce any content without our express written permission.
8. Third-Party Services
CakeClub™ may integrate with third-party platforms like Plaid, Firebase, or external banking APIs. We do not control and are not responsible for third-party services or content. Your use of third-party services is subject to their own terms and privacy policies.
9. Termination
We reserve the right to suspend or terminate your access to the App and Website:
• If you violate these Terms
• If required by law
• For security, fraud prevention, or technical issues
You may also delete your account at any time.
10. Limitation of Liability
To the maximum extent permitted by law:
• We are not liable for indirect, incidental, or consequential damages
• Total liability for any claim is limited to the amount you paid us in the past 12 months
• We do not guarantee error-free operation, uninterrupted access, or complete accuracy of data
Use of the App and Website is at your own risk.
11. Indemnification
You agree to indemnify and hold CakeClub™, its affiliates, and employees harmless from any claims, losses, damages, or expenses arising from your:
• Violation of these Terms
• Misuse of the App
• Breach of applicable laws
12. Changes to These Terms
We reserve the right to modify these Terms at any time. Updates will be posted on our website and will take effect immediately upon posting. Your continued use of CakeClub™ after such updates constitutes acceptance of the changes.
13. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles.
14. Contact Us
For questions about these Terms or your rights as a user, please contact us:
CakeClub™ – Servat LLC
Email: Hello@cakeclubapp.com
Website: www.cakeclubapp.com
