Welcome to Cashflow Challenge (“Company”, “we”, “our”, or “us”). By accessing or using https://www.cashflowchallenge.net/ (“Site”) and any services, products, or content provided through it (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”).
If you do not agree with these Terms, please do not use our Services.
1. Eligibility
You must be at least 16 years old to access or use our Services. By using our Services, you represent that you meet this requirement.
2. Accounts & Access
To access certain features, you may be required to create an account and provide accurate information.
You are responsible for:
- Maintaining the confidentiality of your login details
- All activity that occurs under your account
We reserve the right to suspend or terminate accounts for any reason, including misuse or violation of these Terms.
3. Subscription & Payments
Some portions of the Services require a subscription or one-time purchase. All payments are securely processed through third-party providers.
By subscribing, you authorize us to charge your payment method on a recurring basis until canceled.
Prices may change, and we will notify you of any changes in advance.
4. Refunds
Refunds may be issued in accordance with our Refund Policy, which is accessible on our Site. In general, results are not guaranteed and lack of performance is not grounds for a refund.
5. Acceptable Use
You agree not to:
- Engage in illegal, fraudulent, or harmful activity
- Share, copy, or resell course materials, templates, or software access without permission
- Attempt to reverse-engineer or bypass any security features of the Services
- Misrepresent your identity or impersonate others
We may restrict usage for excessive or unauthorized system activity.
6. SMS & Messaging Terms (Required for A2P Compliance)
By providing your phone number, you agree to receive SMS messages, notifications, and updates from Cashflow Challenge related to your account, onboarding, promotions, and service-related information. Message frequency varies.
Message & data rates may apply. Your consent to receive SMS messages is not a condition of purchase.
You may opt out of SMS messages at any time by replying STOP. For help, reply HELP or contact us at info@cashflowchallenge.net.
We are not liable for delayed or undelivered messages. Carriers are not responsible for SMS delays or failures.
7. Intellectual Property
All materials on the Site — including text, graphics, logos, videos, training modules, and software — are owned or licensed by Cashflow Challenge.
You are granted a limited, non-transferable license to access and use these materials for your personal use or internal business use only.
You may not:
- Copy, distribute, resell, modify, or publicly display any content without written consent
Unauthorized use may result in termination and legal action.
8. Results Disclaimer
We provide tools, training, and resources — but your success depends on your own skills, effort, and market conditions.
We make no guarantee of income, success, or specific performance results.
9. Third-Party Services
We may provide access to third-party platforms or integrations for convenience. We are not responsible for:
- Their performance
- Service interruptions
- Their content or policies
Use third-party services at your own risk.
10. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages, including but not limited to:
- Lost profits
- Lost business opportunities
- Data loss or downtime
Our total liability will not exceed the amount you paid to us in the previous 90 days.
11. Termination
We may suspend or terminate access to the Services at any time without notice if you violate these Terms.
Upon termination:
- All rights granted to you will immediately cease
- No refunds will be issued
12. Changes to These Terms
We may update these Terms at any time. When changes are made, the “Last Updated” date will be revised.
Continued use of the Services after updates means you accept the new Terms.
13. Governing Law
These Terms are governed by the laws of the State of South Dakota, without regard to conflict of law principles.
Any disputes will be resolved in the courts located in Minnehaha County, South Dakota.
14. Contact Information
If you have any questions about these Terms, contact us at: