These Terms of Service (the “Terms”) form a binding agreement between you and CashTalks (“CashTalks,” “we,” “us,” or “our”), operated by Praxion (the “Operator”), and govern your access to and use of the CashTalks website, conversational interface, and related services (collectively, the “Service”). By accessing or using the Service you agree to these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 18 years old and a resident of the United States to use the Service. By using the Service you represent that you meet these requirements and that you have the legal authority to enter into these Terms. The Service is not directed to children under 13, and we do not knowingly collect personal information from anyone under 13. See our Privacy Policy for details.
2. What CashTalks Is — and What It Is Not
CashTalks provides general financial education and connects interested users with third-party financial products, offers, and service providers (“Partners”). The conversational guide on the Service (“Penny”) is an AI-powered assistant.
CashTalks is not:
- a bank, lender, broker, credit-counseling agency, debt-settlement company, debt collector, mortgage broker, insurance company, registered investment adviser, broker-dealer, certified financial planner, certified public accountant, or tax preparer;
- a credit-repair organization within the meaning of the federal Credit Repair Organizations Act (15 U.S.C. §1679 et seq.) or any state-law equivalent;
- a fiduciary to you, and nothing in the Service creates a fiduciary, advisory, agency, or attorney-client relationship between you and CashTalks; or
- a substitute for advice from a licensed professional who knows your specific facts and circumstances.
Information provided through the Service — including any output from Penny — is for general educational and informational purposes only and does not constitute financial, investment, tax, accounting, legal, or other professional advice. Output produced by an AI model may be incomplete, outdated, or inaccurate. Verify any information before acting on it, and consult a qualified licensed professional before making decisions about credit, debt, mortgages, insurance, investments, or taxes.
3. Accounts and Sessions
You may use the Service without creating an account. We assign a session identifier to maintain conversation context. If we later introduce accounts, additional terms governing account creation, credentials, and security will apply, and you will be responsible for maintaining the confidentiality of your credentials and for all activity under your account.
4. Lead Generation and Partner Offers
Where the Service presents an option to share your information with a Partner, the share is only initiated when you affirmatively click to accept it and provide the consent shown to you at that step. By clicking the consent control you authorize CashTalks to transmit the information shown (typically your contact information and a summary of the financial situation you described in the conversation) to the identified Partner or Partners.
Partners are independent third parties. CashTalks does not control Partners’ products, eligibility criteria, pricing, terms, or privacy practices, and we make no representations or warranties about any Partner offer. Any product or service you ultimately purchase or accept is governed by the Partner’s own terms, disclosures, and privacy policy. We may receive compensation when you click on, request information about, or transact through a Partner offer. See our Disclosures page for details.
5. Acceptable Use
You agree that you will not:
- use the Service to provide false, misleading, or fraudulent information, or to impersonate any person;
- use the Service on behalf of another person without that person’s express authorization;
- attempt to extract training data, prompts, system instructions, or model weights, or otherwise reverse-engineer, decompile, or disassemble any component of the Service except to the extent permitted by applicable law;
- interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service or its underlying infrastructure;
- use bots, scrapers, or other automated means to access the Service or to generate conversations, except where we expressly authorize it in writing;
- circumvent rate limits, anonymous-user budgets, security controls, or content safeguards;
- use the Service to send unlawful, defamatory, harassing, hateful, sexually explicit, or otherwise objectionable content; or
- use the Service in violation of any applicable law, rule, or regulation, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM, U.S. economic sanctions, or fair-lending laws.
We may suspend, throttle, or terminate your access to the Service for any actual or suspected violation of these Terms, with or without notice.
6. Privacy
Our collection and use of personal information is described in our Privacy Policy, which is incorporated by reference into these Terms. California, Colorado, Connecticut, Virginia, Utah, EEA, and UK residents (among others) have specific rights described there.
7. Intellectual Property
The Service, including all text, graphics, prompts, code, models we license, trademarks, logos, and the “Penny” persona, is owned by CashTalks or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.
You retain ownership of the content you submit through the Service (“User Content”). You grant CashTalks a worldwide, royalty-free, non-exclusive license to host, store, reproduce, process, transmit, and use your User Content as needed to operate, secure, debug, evaluate, and improve the Service, including to train and evaluate models — except where prohibited by applicable law or where you have opted out of permitted optional uses described in the Privacy Policy.
8. Third-Party Services
The Service relies on third-party providers for hosting, model inference, observability, email, and other functions. The Service may also link to or display third-party content, including Partner websites. Your use of those third-party services is governed by their own terms and privacy policies, and CashTalks is not responsible for them.
9. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY LAW, CASHTALKS, ITS AFFILIATES, AND ITS LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY OUTPUT IS ACCURATE, COMPLETE, RELIABLE, OR SUITABLE FOR YOUR PURPOSE.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, CASHTALKS AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR BUSINESS, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, ANY PARTNER OFFER, OR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON THE SERVICE — WHETHER UNDER CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the limitations above may not apply to you.
11. Indemnification
You agree to defend, indemnify, and hold harmless CashTalks, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your use of the Service, (b) your violation of these Terms or applicable law, (c) your User Content, or (d) any information you authorize us to share with a Partner.
12. Termination
We may suspend or terminate the Service, or your access to it, at any time, with or without cause and with or without notice. You may stop using the Service at any time. Sections 2, 4, 5–11, and 13–17 will survive termination.
13. Modifications to the Service or These Terms
We may modify the Service or these Terms at any time. If we make a material change to these Terms, we will provide notice (for example, by updating the “Last updated” date and, where practicable, by an in-product notice). Your continued use of the Service after the effective date of a change constitutes acceptance of the change.
14. Governing Law; Jurisdiction
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Subject to Section 15, you and CashTalks consent to the exclusive jurisdiction and venue of the state and federal courts located in New Castle County, Delaware, for any matter not subject to arbitration.
15. Binding Arbitration; Class Action Waiver
Please read this Section carefully. It affects your legal rights. You and CashTalks agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a “Dispute”) will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will take place in New Castle County, Delaware, or by videoconference at the arbitrator’s discretion. The Federal Arbitration Act governs this Section.
Class Action Waiver. You and CashTalks agree to bring Disputes only in an individual capacity, not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of a representative or class proceeding.
Opt-Out. You may opt out of this arbitration agreement by sending written notice to legal@cashtalks.org within 30 days of the date you first accepted these Terms. Your notice must include your name and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.
Notwithstanding the foregoing, either party may bring an individual action in small-claims court, and either party may seek injunctive or other equitable relief in court for actual or threatened infringement, misappropriation, or violation of intellectual property rights.
16. General
These Terms, together with the documents they incorporate by reference (including the Privacy Policy and Disclosures), are the entire agreement between you and CashTalks regarding the Service. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, financing, or sale of assets. There are no third-party beneficiaries.
17. Contact
Questions about these Terms can be sent to legal@cashtalks.org. General support: hello@cashtalks.org.