KeelCash Terms of Service

Version: 2026-09-14.1 · Last updated: September 14, 2026

These Terms of Service ("Terms") are a legal agreement between you ("you" or "your") and Peak BPO LLC ("Peak BPO," "we," "us," or "our") governing your access to and use of KeelCash, our cash-flow forecasting and treasury management service available at keelcash.com (the "Service").

Before using the signed-in beta, you must explicitly accept these Terms and acknowledge the Privacy Policy and Beta Disclosures. If you do not agree, do not use the Service.

1. The Service

KeelCash is a software tool that helps you track balances, forecast cash flow, import financial records, and reconcile transactions across one or more personal or business entities. To provide these features, KeelCash connects to your financial accounts through Plaid Inc. ("Plaid") and lets you import records you provide.

We may add, change, or remove features of the Service at any time. We will make reasonable efforts to notify you of material changes.

Invited beta (pre-release)

KeelCash is currently offered as a free, invitation-only beta for adults based in the United States, using U.S. dollars. Features may change, pause, or be withdrawn. The beta is provided without warranty of any kind, including fitness for a particular purpose or uninterrupted availability. Do not treat beta forecasts or balances as a production system of record.

Read the Beta Disclosures for practical limitations. KeelCash does not move money or pay bills for you. Cash reservations are bookkeeping entries, not bank transfers. You must arrange and verify payments with your bank or card issuer. No displayed balance, reserve, reminder, or forecast guarantees sufficient funds, full repayment, or avoidance of interest or fees. A statement closing date and a payment due date are different; interest and grace periods depend on your card agreement and payment history.

KeelCash is an independent product and is not affiliated with, endorsed by, or sponsored by The Money Habit, Profit First, their authors, or their publishers.

Beta data is handled as described in the Privacy Policy. We may migrate, reset, or delete beta data when we graduate or discontinue the preview, with notice where practicable.

2. Not Financial, Investment, Accounting, Tax, or Legal Advice

KeelCash is an informational and organizational tool. It is not a financial advisor, investment advisor, accountant, bookkeeper, tax preparer, or law firm, and it does not provide financial, investment, accounting, tax, or legal advice.

Forecasts, balances, projections, reconciliation results, and other outputs are estimates generated from the data connected or imported into the Service. They may be incomplete, delayed, or inaccurate, and they depend on the accuracy and timeliness of data provided by you and by third parties such as your financial institutions and Plaid.

You are solely responsible for your financial decisions. You should independently verify any information in the Service and consult qualified professionals before making financial, tax, accounting, or legal decisions. Do not rely on KeelCash as the sole basis for any such decision.

3. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract to use the Service. If you use the Service on behalf of a business or other entity, you represent that you are authorized to bind that entity to these Terms.

You are responsible for:

  • Providing accurate account information;
  • Maintaining the confidentiality of your login credentials;
  • Enabling and safeguarding multi-factor authentication where available;
  • All activity that occurs under your account.

Notify us promptly at privacy@keelcash.com if you suspect unauthorized use of your account.

4. Connecting Financial Accounts

When you link a financial account, you authorize KeelCash and Plaid to access account information on your behalf, including balances and transactions, as described in our Privacy Policy. Your use of Plaid is also governed by Plaid's end user agreement and privacy policy at plaid.com/legal and Plaid's End User Privacy Policy.

You represent that you have the right to connect any account you link and to provide any records you import. You may disconnect a linked institution at any time, which requests revocation at Plaid and removal of that connection's bank-sourced records from the active application. Check that the disconnect completes; failures can require retry or support. Imported/manual records and limited audit records may remain, and backups expire separately, as explained in the Privacy Policy.

5. Your Data and Content

You retain all rights to the data and files you connect or import into the Service ("Your Content"). You grant Peak BPO a limited license to store, process, and display Your Content solely to operate and provide the Service to you.

You are responsible for the accuracy and legality of Your Content and for having the necessary rights to provide it. Our collection and use of Your Content is described in our Privacy Policy, which is incorporated into these Terms by reference.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of these Terms;
  • Access or attempt to access data or accounts that are not yours;
  • Interfere with, disrupt, probe, or attempt to breach the security of the Service;
  • Reverse engineer, copy, resell, or create derivative works of the Service except as permitted by law;
  • Upload malware or use the Service to transmit harmful code;
  • Use automated means to access the Service in a manner that burdens our infrastructure, except through features we provide;
  • Provide data you do not have the right to provide.

We may suspend or terminate access for violations of this section.

7. Fees

The invited beta is free. KeelCash does not currently collect subscription payments. If paid service is offered later, pricing and billing terms will be disclosed before you choose to purchase it; beta participation does not authorize a future charge.

8. Third-Party Services

The Service relies on third-party providers, including Plaid (financial data), Supabase (database and authentication), and Vercel (hosting). Your use of the Service may be subject to those providers' terms. We are not responsible for the acts, omissions, availability, or accuracy of third-party services, including your financial institutions or the data they transmit through Plaid.

9. Service Availability

We strive to keep the Service available and accurate, but we do not guarantee that it will be uninterrupted, error-free, timely, or that data synced from third parties will always be current or complete. We may perform maintenance, updates, or changes that temporarily affect availability.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that the Service will meet your requirements, that forecasts or reconciliations will be accurate, or that the Service will be secure, uninterrupted, or error-free. You use the Service at your own risk.

11. Limitation of Liability

To the maximum extent permitted by law, Peak BPO LLC and its owners, employees, contractors, and providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Service — even if we have been advised of the possibility of such damages.

To the maximum extent permitted by law, our total aggregate liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless Peak BPO LLC and its owners, employees, and contractors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, Your Content, or your violation of these Terms or of any law or third-party right.

13. Termination

You may stop using the Service at any time. To request account closure or deletion, contact privacy@keelcash.com; account closure is handled by support during beta. We may suspend or terminate your access at any time if you violate these Terms, if required by law, or if we discontinue the Service.

Upon termination, your right to use the Service ends. Sections that by their nature should survive termination (including Sections 2, 5, 10, 11, 12, and 15) will survive.

14. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and, where appropriate, provide additional notice. When a new acceptance version is required, signed-in users must review and accept it before continuing into the beta. We retain the version and time of acceptance.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the state and federal courts located in California, and you consent to that jurisdiction and venue.

16. Miscellaneous

  • Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Peak BPO regarding the Service.
  • Severability. If any provision is found unenforceable, the remaining provisions remain in effect.
  • No waiver. Our failure to enforce a provision is not a waiver of it.
  • Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

17. Contact Us

Questions about these Terms:

Peak BPO LLC
Email: privacy@keelcash.com
Mail: PO Box 59239, Norwalk, CA 90650

Read the KeelCash Privacy Policy