Terms of Service

These terms are an agreement between you and Cashmere (“we”, “us”). They apply to this website, the Pocket and Academy apps, the Cashmere Connect browser extension, and the assistant Finn (together, “the service”). By creating an account or using the service, you accept these terms and our Privacy Policy.

You must be 18 or older, and able to enter a binding contract, to use the service.

Cashmere is a planning and education tool. Its projections, figures and Finn’s answers are estimates based on the data you enter and on assumptions you can see and change. They are not financial, investment, tax, insurance or legal advice, and they do not recommend any product.

We are not a licensed financial adviser. You are responsible for your decisions. Before an important decision, check it with a qualified professional. Tax rates, CPF rules and market prices change, and a figure in Cashmere can be out of date or wrong.

Keep your sign-in details secure, and tell us at hello@cashmere.money if you think someone else used your account. You are responsible for activity on your account.

You can invite one other person to share your Pocket. That person can see and change everything in it, including Finn conversations. Invite only a person you trust with that access.

You own the data you put in Cashmere. You give us permission to store, process and send it to our service providers only to run the service for you, as the Privacy Policy describes.

You must have the right to give us the data you enter, upload or send. Do not upload another person’s statements or documents without their permission.

Cashmere reads your financial data. It cannot move money, make payments or place trades. Cashmere Connect reads a bank page that you opened and signed in to yourself, and only when you tell it to. It never fills in or reads your bank login.

Use these features only with accounts that you are authorised to access. Your bank and broker have their own terms, and you are responsible for following them. If you connect Interactive Brokers, you can withdraw the token at any time from your broker account.

Finn, statement imports and category sorting use AI models, and their output can be wrong. Check imported transactions and Finn’s answers before you rely on them. Nothing Finn drafts is saved to your Pocket until you approve it. If you connect Claude or ChatGPT to your Pocket, it is a service you chose, under Anthropic’s or OpenAI’s terms. Cashmere is not responsible for its answers. Nothing an assistant proposes is saved to your Pocket until you approve it.

• A new Pocket starts with a 14-day trial of the Plus plan. You do not need a card to start it.
• When the trial ends, you keep everything in your Pocket. Statement imports, Cashmere Connect, Finn and Investments stop until you choose a plan.
• The plans are Basic, Standard and Plus. Their prices and monthly allowances are on the Pricing page. When you reach an allowance, that feature stops until the allowance resets.
• Paid plans are not on sale yet. Before they are, we will add billing, renewal, cancellation and refund terms here, and tell you before any charge.

Each Pocket has one referral code. A new Pocket that applies a friend’s code in the first 14 days of its trial gets a trial of 30 days from the day it was created, in place of 14 days. A Pocket can apply one code only, and it cannot apply its own code. A referral code gives no other reward. We can change or stop referral codes at any time. A change does not shorten a trial that has already started.

The fee, schedule and refund terms for a course are stated when you enrol. Course materials are for your own learning. Do not copy, share or sell them.

Work you submit stays yours. You give us permission to store it and to use it to assess you and give you feedback. Assessment results and feedback are educational, not a professional qualification unless the course says so.

Do not:

• Try to access another person’s Pocket or data.
• Interfere with the service, test its security without our written permission, or get around its allowances or limits.
• Copy, scrape, reverse-engineer or resell the service.
• Use the service for anything unlawful, or to send harmful or abusive content to Finn or to us.

The service, its software, illustrations, Newsletter articles and course materials belong to us or our licensors. You may read and share links to them. You may not republish them without our written permission.

Cashmere is in early access. Features may change, pause or stop, and the service may be unavailable at times. While in early access, we may need to reset stored data when the service changes. We try to give notice in the app first. Export anything you need to keep.

We provide the service “as is” and “as available”. To the extent the law allows, we give no warranty that it is accurate, complete, uninterrupted or free of errors.

To the extent the law allows, we are not liable for indirect or consequential loss, lost profits, or loss from a decision you made using the service. Our total liability to you is limited to the greater of the fees you paid us in the 12 months before the claim and S$100. Nothing in these terms limits liability that the law does not let us limit.

You can stop using Cashmere at any time, and ask us to delete your account at hello@cashmere.money. We may suspend or close an account that breaks these terms. Where we can, we tell you first and give you time to export your data.

These terms are governed by the laws of Singapore. The courts of Singapore have exclusive jurisdiction over any dispute about them.

We update these terms when the service changes. The date at the top shows the last update. We tell you in the app before a material change applies. If you continue to use the service after that, you accept the new terms.

For questions about these terms, email hello@cashmere.money.