Terms of Service

Last updated: May 19, 2026

These terms govern your use of Flush. By creating an account or using the service, you agree to them. If you do not agree, do not use Flush.

1. The service

Flush is a software-as-a-service product operated by Halo, LLC, a Wisconsin limited liability company ("Halo," "we," "us," or "our"), for tracking cash flow, invoicing clients, forecasting income, managing equity positions, and estimating taxes. References in these terms to "Flush" mean the service; references to "we" mean Halo, LLC as the operator. We provide the service as it exists at any given time; we may add, change, or remove features.

2. Eligibility

• You must be at least 18 years old
• You must have the legal capacity to enter into a binding contract
• If you use Flush on behalf of an entity, you represent that you are authorized to bind that entity
• You agree to comply with all laws and regulations applicable to your use

3. Accounts and credentials

• You are responsible for safeguarding your sign-in credentials
• You are responsible for all activity that occurs under your account
• You must provide accurate information and keep it current
• You must notify us at jason@halo.ceo if you suspect unauthorized access

4. Subscription and billing

Pricing

Flush is offered as a paid subscription at $29 per month, payable in advance through our payment processor (Stripe). Taxes may apply depending on your jurisdiction.

Auto-renewal

Your subscription renews automatically each billing period until cancelled. You authorize us to charge your selected payment method at the start of each renewal.

Cancellation

You may cancel at any time from your account settings. Cancellation stops future renewals; you retain access to paid features through the end of the current billing period.

Refunds

Fees are generally non-refundable. We may issue refunds at our discretion, typically for cancellations within 14 days of the initial subscription. To request a refund, email jason@halo.ceo.

Price changes

We may change pricing with at least 30 days' notice by email. Price changes apply to the next billing period after the notice.

Failed payments

If a payment fails, we may suspend or terminate paid features after reasonable retry and notice. You remain responsible for amounts owed.

5. Acceptable use

You agree not to:

• Use Flush for any unlawful purpose or in violation of any law
• Send invoices for goods or services not actually delivered, or otherwise use invoicing to commit fraud
• Connect bank or financial accounts you are not authorized to access
• Reverse-engineer, decompile, or otherwise attempt to derive the source code of the service
• Scrape, harvest, or extract data from Flush except via features we expressly provide
• Interfere with, disrupt, or attempt to gain unauthorized access to the service or its underlying infrastructure
• Use the service to send spam, malware, or harmful content
• Resell or sublicense the service without our written consent

We may suspend or terminate accounts that violate these terms.

6. Your data

Ownership

You retain all rights to the data you submit to Flush, including invoices, client information, transaction notes, and uploaded files (collectively, "Your Data"). We do not claim ownership over Your Data.

License to operate

You grant us a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and otherwise process Your Data solely for the purpose of providing and improving the service. This license terminates when you delete Your Data from Flush or close your account, subject to the retention periods in our Privacy Policy.

Aggregated and anonymized data

We may use aggregated, de-identified data (data that cannot reasonably be used to identify you) to operate, analyze, and improve the service, including benchmarking and industry-level insights. We do not sell personal data.

Export

You can export your invoices, transactions, and equity records at any time from the application. On cancellation, we recommend exporting before your data is removed per our retention schedule.

7. Intellectual property

Flush, including the software, design, brand, logos, and content (other than Your Data), is owned by us or our licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the service per these terms. No other rights are granted.

8. Third-party services

Flush integrates with third-party services including Plaid (bank connectivity), Stripe (payments), Google (optional sign-in), Anthropic (AI features), and others. Your use of those services may be subject to their own terms and privacy policies. We are not responsible for the availability, accuracy, or security of third-party services.

9. Disclaimers

The service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability. We do not warrant that the service will be error-free, secure, or continuously available, or that data from your linked institutions will be accurate or timely.

10. Limitation of liability

To the maximum extent permitted by law, in no event will Flush be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, data, or business opportunities, arising from or related to your use of the service, even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claims arising out of or related to the service will not exceed the greater of (a) the fees you paid us in the 12 months preceding the event giving rise to the claim or (b) one hundred US dollars ($100).

11. Indemnification

You agree to indemnify and hold harmless Flush from any claim, damage, loss, liability, cost, or expense (including reasonable attorneys' fees) arising from (a) your use of the service in violation of these terms, (b) Your Data, (c) your violation of any law or third party right, or (d) any dispute between you and a third party.

12. Termination

You may stop using Flush and close your account at any time. We may suspend or terminate your access if you violate these terms, if required by law, or if continuing to provide the service becomes impractical. On termination, your right to use the service ends; the sections of these terms that by their nature should survive (including disclaimers, limitations of liability, and indemnification) will survive.

13. Governing law and disputes

These terms are governed by the laws of the State of Wisconsin, United States, without regard to its conflict of laws principles. Any dispute arising out of or relating to these terms or the service will be resolved exclusively in the state or federal courts located in Dane County, Wisconsin, and you consent to the personal jurisdiction of those courts.

Where applicable consumer protection law gives you additional rights that cannot be waived by contract, this section does not limit those rights.

14. Changes to these terms

We may update these terms from time to time. If we make material changes, we will notify you by email or in-app notice. Continued use of the service after the changes take effect constitutes acceptance.

15. Miscellaneous

• Entire agreement. These terms, together with our Privacy Policy, are the entire agreement between you and Flush regarding the service.
• Severability. If any provision is found unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce any right is not a waiver of that right.
• Assignment. You may not assign these terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• No agency. Nothing in these terms creates a partnership, employment, or agency relationship.

16. Contact