KeelCash Terms of Service

Last updated: July 31, 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").

By creating an account or using the Service, you agree to these Terms. 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.

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.

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 revokes our access and deletes that connection's bank-sourced data from our systems.

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

Access to the Service may be free or paid depending on the plan you select. If you subscribe to a paid plan, we will disclose the applicable fees, billing cycle, and terms at the time of purchase. Except where required by law, fees are non-refundable. We may change fees on a going-forward basis with reasonable advance notice.

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 and close your account at any time. 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. Your continued use of the Service after an update means you accept the revised Terms.

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