Terms of Service

Last updated: [publication date]

These Terms of Service ("Terms") govern your use of the CashYou mobile app and website (together, the "Platform"), operated by [US operating entity], a [state] [entity type] ("CashYou", "we", "us"). By creating an account or using the Platform, you agree to these Terms. If you do not agree, do not use the Platform.

1. What CashYou is

CashYou is a technology platform that connects people who need small, local, lawful favors ("Posters") with nearby people willing to do them ("Helpers"). CashYou is a marketplace. We are not a party to the arrangement between a Poster and a Helper, we do not employ Helpers, and we do not perform favors ourselves.

2. Eligibility

• You must be at least 18 years old and able to form a binding contract.
• CashYou is available only in the United States. You must provide accurate information and keep your account secure.
• You may use the Platform only for lawful purposes and in line with these Terms.

3. How it works

• Posting: A Poster describes a favor, sets a reward in US dollars, and gives a meetup area. The reward is charged when the favor is posted and held until the favor is done.
• Offering & accepting: Helpers offer to help and the Poster chooses one. The exact address is shared only with the chosen Helper.
• Completion: The Helper marks the favor done and may add a note or photo; the Poster confirms. The reward, less CashYou's platform fee, is then paid to the Helper.
• Auto-release: If the Helper has submitted completion proof and the Poster neither confirms nor opens a dispute within 72 hours, the reward may be released to the Helper automatically.

4. Helpers are independent

Helpers are independent individuals, not employees, agents, or contractors of CashYou. Helpers decide whether, when, and which favors to offer on, how to do them, and whether to use the Platform at all. CashYou does not set Helpers' schedules or supervise their work. Helpers are responsible for their own taxes, insurance, and compliance with any licensing rules that apply to them.

5. Payments & fees

• Payments are processed by Stripe. CashYou does not store your full card number or bank account details.
• CashYou keeps a platform fee of 10% of the reward on completed favors. Card processing fees are paid by CashYou. The Helper's payout is shown in the app before release.
• Payment processing services for Helpers on CashYou are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"). By agreeing to these Terms or continuing to receive payouts through CashYou, Helpers agree to be bound by the Stripe Services Agreement, as it may be modified by Stripe from time to time. As a condition of CashYou enabling payment processing services through Stripe, Helpers agree to provide CashYou accurate and complete information about themselves, and authorize CashYou to share it and transaction information related to their use of the payment processing services provided by Stripe.
• Helpers who receive enough in payouts in a calendar year may receive a tax form (such as Form 1099-K) as required by law.

CashYou AI subscriptions and delegation

Personal Butler work is independent of marketplace favors and budgets. Available tools can analyze attached text, images and PDFs, propose personal tasks, draft Butler emails, read the Butler inbox and propose preferences. Email delivery and background scheduling require the configured services; each outgoing message and scheduled task requires review and approval. A queued email is not confirmed delivery. Preferences are used only after approval and when memory is enabled. Daily and weekly recurrence use fixed 24-hour and seven-day intervals. Private-account operations require a separately connected service and approval of each exact action. Built-in Gmail, Outlook and Drive sign-in, arbitrary website forms and general browser checkout are not available. Task computers have no external network or private credentials; supported outside operations use the approved service gateway. Service availability and a returned response do not guarantee a booking, delivery or physical completion.

Assistant mode supports general questions, research, writing, study and calendar drafts through available skills and plugins. General conversations have no task budget and do not use local-task credits; they share your monthly AI reply allowance and allow up to 40 user messages each and 100 saved general conversations per account. Skills and plugins are selected when a conversation starts. Research sources may be incomplete or inaccurate. Generated documents and calendar files are drafts for your review and manual export or import, not sent messages, bookings or saved calendar events. Only Local help can use CashYou marketplace and authorized vendor actions.

CashYou AI includes three free tasks per UTC calendar month. Plus costs $19.99 per month for 30 tasks and renews monthly until canceled through subscription management on the CashYou website. Allowances reset at 00:00 UTC on the first day of each month and do not roll over. One new outcome reserves one task credit; follow-ups stay within that outcome even if an AI turn fails. Helper rewards and purchases are separate. Limits include 40 user messages and 60 background updates per task, 120 AI replies and helper updates per month on Free or 600 on Plus, and request rate limits. Monthly vendor outreach allowances are 15 email attempts on Free or 150 on Plus. AI business searches are limited to 10 per day on Free or 40 on Plus. Businesses CashYou AI finds come from public web listings; they are not CashYou partners or endorsements, and you should review them before approving a booking. When you approve businesses at a set price and pay, CashYou collects that amount and holds it. CashYou emails each business your offer. If a business declines or does not accept within 48 hours, or before your task’s finish time, its share is refunded to your original payment method. If it accepts, it is paid through Stripe after you confirm the service was delivered, and you then deal with the business directly about the service itself. Card disputes freeze any unpaid amounts until resolved. Vendor reply processing shares the monthly AI allowance. You approve plans, payments and helper selections. Authorized coordination may send labeled logistical helper messages while the app is closed, but does not authorize extra spending. Authorized vendor outreach uses Resend for two-way email. AI calls to vendors are postponed. CashYou saves vendor replies and quotes; any previously saved call notes remain subject to the same retention rules. CashYou does not save call audio recordings. You can separately enable one completion text or a short automated call to your verified US phone through Twilio. Alerts require confirmed task completion; vendor bookings alone are insufficient. Change the preference in CashYou AI or reply STOP to completion texts. Turning notifications off cannot recall a text already sent. You approve each exact quote before the butler requests a booking. Only a vendor confirmation marks it booked; you arrange vendor payments. Pausing stops queued outreach and requests cancellation of any existing calls, not confirmed bookings or already sent email. Pausing AI does not cancel funded favors.

6. Cancellations & refunds

Cancellations and refunds are governed by our Refund & Cancellation Policy, which forms part of these Terms.

7. Prohibited favors & conduct

You must not post, accept, or perform favors that are illegal, unsafe, or against our rules — including anything involving alcohol, tobacco or vapes, drugs, weapons, prescription medication or medical care, giving rides to people, caring for children or animals, schoolwork done for someone else, work that requires a professional license (such as electrical, plumbing, or gas work), or anything that violates the rights of others. We may remove content, cancel favors, and suspend accounts that break these rules.

8. Safety

• Meet in public places where possible, especially the first time.
• Your exact address stays hidden until you choose a Helper.
• You can report or block any user. We aim to review reports within 24 hours.
• You interact with other users at your own risk. CashYou verifies email and phone numbers but does not run background checks, and does not guarantee any user's conduct.
• In an emergency, call 911.

9. Disclaimers & limitation of liability

The Platform is provided "as is" and "as available", without warranties of any kind. To the fullest extent permitted by law, CashYou is not liable for the acts or omissions of Posters or Helpers, for the quality or outcome of any favor, or for any indirect, incidental, special, or consequential damages. Our total liability for any claim relating to the Platform will not exceed the greater of the platform fee we earned on the transaction in question and $100.

10. Suspension, termination & account deletion

We may suspend or close accounts that break these Terms or the law, or to protect users and the Platform. You can delete your account at any time from Profile → Delete Account. If you have a favor in progress, you'll need to finish it, have it released, or open a dispute first. Deleting your account cancels your other open favors, refunds their held payments, and removes your personal data as described in our Privacy Policy; we keep transaction records the law requires us to keep.

11. Governing law & disputes

These Terms are governed by the laws of the State of [state], without regard to its conflict-of-law rules. [Counsel to decide: arbitration agreement, class-action waiver, small-claims carve-out, and venue.]

12. Changes

We may update these Terms. We'll tell you about material changes in the app or by email. Continuing to use the Platform after a change means you accept the updated Terms.

13. Contact

Questions or complaints: cashyouu1@gmail.com, or by mail to [US operating entity], [US business address]. See Complaints & Data Requests.