Terms of Service

1. Agreement and eligibility

These Terms of Service (“Terms”) are a binding agreement between You Need Cash (“Cash,” “we,” “us,” or “our”) and the person or legal entity that accesses or uses the Services (“Customer,” “you,” or “your”). “Services” means the Cash websites, hosted software, applications, recording-device connections, transcription, analytics, artificial-intelligence and coaching features, support, and related services that link to these Terms.

You accept these Terms by clicking to accept them, creating an account, completing checkout, executing an order that references them, or accessing or using the Services. If you act for a company or other organization, you represent that you have authority to bind it; “you” then means that organization. If you lack that authority or disagree with these Terms, do not use the Services.

You must be at least 18 years old and legally able to enter a contract. The Services are offered for business use, not personal, family, or household use. Additional order forms, statements of work, data-processing terms, hardware terms, or feature-specific terms may apply. If they conflict, a signed order form or signed agreement controls for that transaction, followed by feature-specific terms and then these Terms.

2. Accounts and administrators

You must provide accurate, current information and keep it updated. You are responsible for safeguarding credentials, using reasonable security controls, and promptly notifying us at legal@youneedcash.com of suspected unauthorized access. You are responsible for activity under your accounts unless caused by our breach of these Terms.

Customer controls which users may access its workspace and the roles, permissions, recording devices, and integrations assigned to them. Customer administrators may access, export, restrict, or delete Customer Content; manage users and billing; and take other actions for the organization. You are responsible for your administrators’ and users’ acts and omissions and for ensuring their use complies with these Terms.

Accounts may not be shared by multiple people unless the applicable plan expressly permits it. You may not transfer an account, falsely represent an identity or affiliation, or use another person’s credentials without authorization.

3. The Services

Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right during your subscription term to access and use the Services for your internal business purposes.

We may improve, modify, add, or remove features over time. We will not materially reduce the core functionality of a paid Service during a current subscription period without a reasonable business reason, such as security, legal compliance, third-party changes, or avoiding harm. Beta, preview, experimental, or free features may be changed or discontinued at any time and are provided without service commitments.

We may establish reasonable usage limits to protect availability, security, and other customers. Services may be temporarily unavailable for maintenance, emergencies, provider failures, or events outside our reasonable control.

4. Recordings, notice, and consent

Laws concerning audio recording, wiretapping, monitoring, privacy, biometric information, employment, and consumer protection vary by jurisdiction and circumstances. Some require consent from every participant. You represent, warrant, and covenant that before using any recording or monitoring feature, you will:

• identify and comply with every law, regulation, contract, policy, and professional obligation that applies;
• provide clear, legally sufficient notice and obtain and document every required consent;
• honor objections, withdrawal of consent, and requests to stop recording where required;
• adopt appropriate workplace policies and obtain any required employee or representative acknowledgments;
• avoid recording in prohibited settings or collecting information you are not authorized to collect; and
• maintain a lawful process for responding to participant privacy requests.

Cash does not provide legal advice or determine whether notice or consent is sufficient. Templates, workflows, settings, or product prompts are general tools and do not shift your responsibility. You will not disable, obscure, or circumvent a consent or recording indicator. You must immediately stop and delete an unlawful recording when legally required and notify us if our assistance is needed.

You authorize us and our subprocessors to capture, transmit, store, transcribe, analyze, and otherwise process recordings at your direction to provide the Services.

5. AI features and coaching outputs

The Services may use artificial intelligence, machine learning, automated analysis, or third-party models to create transcripts, speaker labels, summaries, scores, suggestions, playbook comparisons, and other outputs (“Outputs”). Outputs can be incomplete, inaccurate, biased, offensive, or unsuitable, and similar Outputs may be generated for different customers.

You are responsible for reviewing Outputs, validating them against source materials, and deciding whether and how to use them. Outputs are coaching and informational tools only. They are not legal, employment, human-resources, financial, tax, safety, medical, or other professional advice and are not a promise of sales, revenue, performance, or compliance.

You must not use an Output as the sole basis for hiring, firing, compensation, discipline, promotion, credit, housing, insurance, healthcare, legal, or another decision that produces legal or similarly significant effects. You remain responsible for human review, reasonable accommodation, nondiscrimination, notices, impact assessments, and other safeguards required by law.

To the extent permitted by law and as between the parties, you own Outputs generated specifically from your Customer Content. We do not represent that an Output is protectable by intellectual-property law or does not overlap with content generated for others.

6. Customer Content

“Customer Content” means recordings, transcripts, playbooks, prompts, files, data, communications, and other material submitted to or collected through the Services for you, plus Outputs. As between the parties, you retain ownership of Customer Content.

You grant us and our affiliates and service providers a worldwide, non-exclusive, limited license to host, copy, transmit, display, modify, create derivative works from, and otherwise process Customer Content only as necessary to provide, secure, support, and improve the Services; comply with law; enforce these Terms; and as otherwise directed or permitted by you. This license lasts while needed for those purposes and is subject to our retention obligations.

You represent and warrant that you have all rights, permissions, notices, and consents necessary to provide Customer Content and authorize its processing under these Terms without infringing or violating another person’s privacy, publicity, intellectual-property, contractual, employment, or other rights.

We do not use identifiable Customer recordings or transcripts to train general-purpose AI models for other customers unless you affirmatively agree. We may use feedback, operational telemetry, and aggregated or deidentified data to operate, analyze, and improve our products, provided it does not reasonably identify you or an individual.

You are responsible for maintaining copies of Customer Content you need. We may remove or restrict content that we reasonably believe is unlawful, creates security risk, violates these Terms, or could harm the Services or others.

7. Privacy and security

Our Privacy Policy explains how we handle personal information when acting for our own purposes. When we process personal data on your behalf, you are the controller or business and we are your processor or service provider unless applicable law provides otherwise. Any separate data processing addendum between the parties controls that processing.

You will provide legally required privacy notices, respond to individuals’ requests, limit access to authorized users, and use the Services consistently with your privacy obligations. You must not submit Social Security numbers, government identification numbers, payment-card data, account credentials, protected health information, or other highly sensitive data unless an applicable Service expressly supports it and our written agreement authorizes it.

We use reasonable safeguards designed to protect the Services, but no system is perfectly secure. You are responsible for configuring the Services appropriately, securing endpoints and integrations under your control, and promptly applying updates or instructions we provide.

8. Acceptable use

You will not, and will not permit anyone to:

• use the Services or Customer Content unlawfully or to violate another person’s rights;
• record, monitor, surveil, or profile anyone without legally sufficient authority, notice, and consent;
• harass, discriminate, deceive, defame, exploit, or cause physical, financial, reputational, or other harm;
• upload malware or harmful code, conduct phishing, send spam, or facilitate fraud or illegal activity;
• probe, scan, disrupt, overload, bypass, or compromise the Services or their security, access, usage, or safety controls;
• access another customer’s data or use credentials or devices without authorization;
• copy, frame, resell, rent, sublicense, or provide the Services as a service bureau except as expressly authorized;
• reverse engineer, decompile, disassemble, scrape, or attempt to discover source code, models, weights, prompts, or nonpublic components, except where a restriction is prohibited by law;
• use the Services or Outputs to build, train, benchmark, or improve a competing product or AI model without our written permission;
• remove proprietary notices or misrepresent an Output as human-authored where disclosure is legally required; or
• use the Services in a high-risk environment where failure could lead to death, bodily injury, or severe property or environmental damage.

We may investigate suspected violations and cooperate with lawful authorities. We have no obligation to monitor all content or use.

9. Fees, automatic renewal, and taxes

Orders and payment

Fees, billing frequency, quantities, and included features are shown at checkout or in an order form (“Order”). Except as expressly stated in these Terms or an Order, fees are non-cancelable and non-refundable. You authorize us and our payment processor, currently Stripe, to charge the payment method on file for fees, taxes, and other amounts due. Stripe’s terms and privacy policy also apply to its processing.

Automatic renewal

You may cancel through the billing controls made available in the Services or by emailing billing@youneedcash.com. Cancellation is effective at the end of the then-current paid period unless the 30-day guarantee below applies. To avoid the next charge, cancel before the renewal date. We do not provide prorated refunds or credits for ordinary mid-period cancellation, unused time, or removed users unless required by law or an Order.

We may change fees for a future renewal period by giving advance notice required by law. Your continued subscription after the change takes effect constitutes acceptance; you may cancel before it applies.

Usage, quantities, and delinquency

If pricing depends on users, recording seats, usage, or another quantity, you authorize charges based on the quantity you or an administrator enables. Additions may be charged immediately on a prorated basis. Removing access may take effect immediately while reducing charges only at the next renewal, as disclosed in the Services or Order.

If payment is late, declined, disputed, or reversed, we may retry payment, suspend paid capabilities, limit the workspace to read-only access, or terminate the subscription. You remain responsible for amounts due and reasonable collection costs permitted by law. A payment dispute does not relieve you of valid payment obligations.

Taxes

Fees exclude sales, use, value-added, withholding, and similar taxes unless expressly stated. You are responsible for applicable taxes other than taxes on our net income. If you provide a valid exemption certificate before billing, we will apply it as required. If law requires withholding, you will gross up payment so we receive the amount invoiced, except where prohibited.

10. Thirty-day money-back guarantee

Your company’s first paid Cash software subscription includes a one-time 30-day money-back guarantee if the Order or checkout displays the guarantee. The window begins when the first subscription charge succeeds and does not restart upon reactivation, creating another account, adding users or seats, or changing plans.

To request the guarantee, an account owner or authorized billing administrator must contact billing@youneedcash.com before the 30-day window expires and request cancellation and a refund. If eligible, we will cancel the software subscription, revoke paid recording and scoring capabilities, and refund eligible software-subscription fees to the original payment method. Processing time depends on the payment provider.

The guarantee excludes recording devices and other hardware, shipping, expedited services, implementation or professional services, purchases from third parties, and unrelated one-time charges. Associated tax is refunded where required and supported by the payment processor. The guarantee is unavailable for fraud, abuse, material breach, chargebacks, or accounts previously refunded under it. Statutory rights, if any, are not limited.

11. Recording devices and third-party integrations

The software subscription does not include hardware unless an Order expressly says otherwise. Recording devices, shipping, taxes, accessories, connectivity, and replacement may be separate. Payment for hardware does not promise a delivery or activation date unless confirmed in an Order. Separate purchase, shipping, return, limited-warranty, loss, and replacement terms presented at purchase control hardware transactions.

Third-party products and services—including recording-device platforms, transcription providers, payment services, and integrations—may be governed by their own terms and privacy policies. We do not control and are not responsible for third-party services. Features that depend on them may become unavailable or change. You authorize us to exchange Customer Content with an integration when you or an administrator enables it.

12. Our ownership and feedback

We and our licensors own the Services, software, workflows, designs, documentation, models, methods, aggregated insights, deidentified data, and all associated intellectual-property rights, excluding Customer Content. These Terms grant no rights except the limited access right expressly stated.

If you provide ideas, suggestions, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use and exploit it without restriction or compensation. You may not use our names, logos, or marks without written permission. We may identify you as a customer only with your permission, except for factual internal records or as required by law.

13. Confidentiality

“Confidential Information” means nonpublic information disclosed by one party (“Discloser”) to the other (“Recipient”) that is marked confidential or reasonably should be understood as confidential. Customer Content is your Confidential Information; nonpublic Service technology, security information, and pricing are ours.

Recipient will use Confidential Information only to perform or exercise rights under these Terms, protect it with at least reasonable care, and disclose it only to personnel and contractors who need to know it and are bound by confidentiality obligations. These duties do not cover information Recipient can document was lawfully known without restriction, independently developed without use of Confidential Information, received lawfully from another source, or publicly available without breach.

If legally compelled to disclose Confidential Information, Recipient may do so after giving prompt notice where lawful and reasonable assistance at Discloser’s expense. Each party may seek injunctive relief for actual or threatened misuse.

14. Suspension and termination

You may stop using the Services at any time; stopping use does not cancel a paid subscription. You must cancel as described in Section 9.

We may suspend or limit access immediately if reasonably necessary to prevent harm, address a security threat, comply with law, respond to nonpayment, protect third parties, or investigate a suspected material breach. Where practicable, we will provide notice and an opportunity to cure.

Either party may terminate these Terms or an affected Order if the other materially breaches and fails to cure within 30 days after written notice, or immediately if the breach cannot be cured. We may terminate immediately for unlawful recording, security abuse, fraud, insolvency, or conduct creating material risk. We may terminate free Services at any time.

Upon termination, your right to use the affected Services ends. We may provide a limited period to export Customer Content unless prohibited by law, security needs, nonpayment, or the nature of termination. We may preserve read-only history where the product supports it. We may then delete Customer Content according to our retention practices. Accrued payment obligations and provisions that by nature should survive—including ownership, confidentiality, disclaimers, liability limits, indemnity, dispute resolution, and general terms—survive.

15. Disclaimers

To the maximum extent permitted by law, the Services, Outputs, beta features, devices, and all related materials are provided “as is” and “as available.” Cash and its suppliers disclaim all express, implied, statutory, and other warranties, including merchantability, fitness for a particular purpose, title, noninfringement, quiet enjoyment, accuracy, results, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Services will be uninterrupted, secure, error-free, compliant for your particular use, or compatible with every device or integration; that recordings, transcripts, speaker identification, scores, analytics, or Outputs will be complete or accurate; or that using the Services will increase sales, revenue, close rates, employee performance, or any other business outcome.

You are responsible for your sales practices, statements to consumers, employment decisions, legal compliance, backups, internet and device connections, and use of Outputs. No advice or information from us creates a warranty not expressly stated in a signed agreement.

16. Limitation of liability

To the maximum extent permitted by law, neither party nor its affiliates, licensors, or suppliers will be liable for indirect, incidental, special, exemplary, consequential, or punitive damages, or for lost profits, revenues, goodwill, business opportunities, anticipated savings, or data, even if advised of the possibility.

To the maximum extent permitted by law, Cash’s and its affiliates’ aggregate liability arising out of or related to the Services or these Terms will not exceed the fees Customer paid or owed to Cash for the affected Services during the 12 months immediately before the event giving rise to liability.

The exclusions and cap apply regardless of theory of liability and even if a remedy fails of its essential purpose. They do not limit your payment obligations or either party’s liability to the extent it cannot lawfully be limited. Your liability for violating our intellectual-property rights, acceptable-use restrictions, recording and consent obligations, or indemnification obligations is not limited by the foregoing cap.

Each party acknowledges that these allocations of risk are an essential basis of the bargain and that fees would be higher without them.

17. Indemnification

You will defend, indemnify, and hold harmless Cash, its affiliates, and their personnel from third-party claims, demands, investigations, proceedings, losses, liabilities, damages, judgments, penalties, fines, costs, and reasonable attorneys’ fees arising out of or relating to:

• Customer Content or our processing of it as authorized by you;
• your recordings, surveillance, notice, consent, privacy, employment, sales, or consumer practices;
• your or your users’ violation of law, these Terms, an Order, or another person’s rights;
• your products, services, representations, or dealings with customers, employees, contractors, or appointment participants; or
• your misuse of the Services, integrations, devices, or Outputs.

We will promptly notify you of a covered claim and provide reasonable cooperation at your expense. You control the defense and settlement, but may not admit fault for us, impose obligations on us, or settle a claim without an unconditional release of us unless we consent. We may participate with counsel at our expense.

18. Disputes, arbitration, and class waiver

Informal resolution first

Before filing a claim, a party must send a written notice describing the dispute and requested relief to legal@youneedcash.com (for notices to Cash) or the email associated with the Customer account (for notices to Customer). The parties will try in good faith to resolve it for 30 days. Limitation periods are tolled during that period.

Binding individual arbitration

Except for the exceptions below, any dispute, claim, or controversy arising out of or relating to the Services, these Terms, an Order, or the relationship between the parties—including formation, enforceability, scope, or termination—will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules then in effect. The Federal Arbitration Act governs this provision.

There will be one arbitrator. Arbitration will take place by video conference unless the arbitrator determines an in-person hearing is necessary, in which case it will occur in Hillsborough County, Florida, unless the parties agree otherwise. The arbitrator may award any relief available in court on an individual basis and will issue a reasoned written decision. Judgment may be entered in any court with jurisdiction.

Exceptions

Either party may bring an individual action in small-claims court if eligible; seek temporary or preliminary injunctive relief in court to prevent actual or threatened infringement, misappropriation, unauthorized access, or security abuse; or pursue a claim that applicable law says cannot be arbitrated. Filing for such relief does not waive arbitration of other claims.

Class and jury-trial waiver

Each party waives the right to a jury trial. Claims may be brought only in an individual capacity, not as a plaintiff, claimant, or class member in a class, collective, coordinated, consolidated, mass, representative, or private-attorney-general proceeding. The arbitrator may not combine claims or preside over any such proceeding without every affected party’s written consent.

Opt out

You may opt out of arbitration by emailing legal@youneedcash.com within 30 days after first accepting these Terms. Include your name, organization, account email, and an unequivocal statement that you opt out of arbitration. Opting out does not affect other Terms. An opt-out submitted for one organization does not apply to another.

Governing law and courts

Florida law governs these Terms without regard to conflict-of-law rules, except that the Federal Arbitration Act governs arbitration. For a dispute permitted in court, each party consents to exclusive jurisdiction and venue in the state courts located in Hillsborough County, Florida, or the federal court with jurisdiction there, and waives objections to that forum.

19. General terms

Electronic communications

You agree to receive agreements, notices, disclosures, receipts, and other communications electronically. Email and in-product notices satisfy written-notice requirements where permitted by law. You are responsible for keeping your account email current.

Changes to these Terms

We may update these Terms. We will post the revised version and update its date. If a change materially reduces your rights, we will provide reasonable advance notice where required. Changes apply prospectively. If you object, your remedy is to stop using and cancel the affected Services before the change takes effect. Continued use after the effective date constitutes acceptance.

Assignment

You may not assign or transfer these Terms or an Order without our written consent. We may assign them in connection with an affiliate reorganization, merger, acquisition, financing, or sale of all or substantially all relevant assets, or by operation of law. An unauthorized assignment is void.

Export, sanctions, and anti-corruption

You will comply with applicable export controls, sanctions, anti-boycott, and anti-corruption laws. You represent that you are not a prohibited party and will not allow access from embargoed regions or for prohibited end uses.

Government use

The Services are commercial computer software and documentation developed exclusively at private expense. Government users receive only the rights granted to other users under these Terms, subject to applicable procurement law.

Force majeure

Neither party is liable for delay or failure caused by events beyond reasonable control, including natural disasters, war, terrorism, labor disputes, utility or internet failures, epidemics, governmental action, or failures of critical providers. This does not excuse payment obligations for Services already provided.

Entire agreement; severability; waiver

These Terms, the Privacy Policy, Orders, and incorporated terms are the entire agreement about the Services and supersede prior discussions on that subject. Purchase-order terms do not apply unless we expressly sign them. If a provision is unenforceable, it will be modified to the minimum extent necessary and the rest remains effective; if the class waiver is unenforceable for a particular claim, that claim will proceed in court rather than class arbitration. Failure to enforce a provision is not a waiver. Headings are for convenience only. “Including” means “including without limitation.”

No third-party beneficiaries; relationship

These Terms create no third-party beneficiary rights. The parties are independent contractors, not partners, agents, fiduciaries, joint venturers, or employer and employee. Neither may bind the other.

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