Terms of Service

Effective date: July 9, 2026

These Terms of Service (the "Terms") are a binding agreement between Union Street Ventures, Inc., an Indiana corporation doing business as Coast and CoastFlow ("Coast", "we", "us"), and the individual or organization that creates an account ("you", "Customer"). By creating an account, clicking to accept, or using the service at coastflow.io (the "Service"), you agree to these Terms and to the Privacy Policy, which is incorporated by reference. If you are accepting on behalf of an organization, you represent that you have authority to bind it.

1. The Service

Coast connects to your financial accounts on a read-only basis (through Plaid Inc. ("Plaid") or balances you enter manually), computes cash-position reports from those balances, and delivers those reports to channels you configure (Slack, email, SMS) on a schedule you control. Coast cannot move money, initiate payments or transfers, or modify anything at your financial institution, and we never receive or store your banking credentials — authentication with your institution happens directly with Plaid.

2. Eligibility, accounts & security

You must be at least 18 years old and able to form a binding contract. The Service is intended for business use. You are responsible for: (a) the accuracy of information you provide; (b) maintaining the confidentiality of your login and any recovery codes; (c) all activity under your workspace, including by users you invite; and (d) promptly notifying us at support@coastflow.io of any unauthorized use. We provide two-factor authentication and strongly recommend enabling it.

3. Authorization to access your data

By connecting a financial account, Slack workspace, or other third-party service, you grant Coast and its service providers the right to access, on a read-only basis, the data reasonably necessary to provide the Service (for financial accounts: account names, types, masked account numbers, and balances — not transactions and not credentials). You represent that you are authorized to connect each account and workspace you connect. You specifically acknowledge that data retrieval from financial institutions is performed by Plaid, and you grant Plaid the rights described in the Plaid End User Privacy Policy.

4. Third-party services

The Service interoperates with third-party services you choose to connect (e.g. your bank, Plaid, Slack, Stripe). Your use of those services is governed by their own terms, and we are not responsible for their availability, acts, or omissions. If a third party suspends or degrades its service (for example a bank's connection through Plaid), the affected Coast features may be limited until it is restored.

5. Your data; our license to operate

As between you and Coast, you own your data — the account information, balances, report templates, recipient lists, and content you submit or that is retrieved on your behalf ("Customer Data"). You grant us a limited, non-exclusive license to host, process, transmit, and display Customer Data solely to provide, secure, and improve the Service and as described in the Privacy Policy. We do not sell Customer Data and we do not use your financial data for advertising. Where you have executed our Data Processing Addendum, it governs our processing of personal data in Customer Data.

6. Subscriptions, billing & cancellation

The Service offers a free tier and paid plans (currently Starter and Pro), billed through Stripe monthly or annually. Paid plans renew automatically until canceled. You may cancel at any time in the app; you keep paid features until the end of the current billing period. Except where required by law, fees are non-refundable. We may change pricing or plan features with at least 30 days' notice; changes take effect at your next renewal. Taxes are your responsibility where applicable.

7. Termination & data deletion

You may stop using the Service and delete your account at any time. We may suspend or terminate the Service for material breach of these Terms (including non-payment), for security reasons, or where required by law — with notice where practicable. Upon account deletion or 30 days after termination, Customer Data is permanently deleted from production systems, except as retained in encrypted backups (which age out on a fixed schedule) or as required by law. Sections that by their nature survive (5, 8–13) survive termination.

8. Acceptable use

You will not: (a) use the Service unlawfully or to process data you lack rights to; (b) attempt to access another customer's data or probe, scan, or test the vulnerability of the Service without written authorization; (c) interfere with or disrupt the Service; (d) reverse engineer, copy, or resell the Service; (e) use the Service to build a competing product; or (f) misrepresent report data as advice to third parties. We may throttle or suspend usage that threatens the stability or security of the Service.

9. Intellectual property; feedback

We own the Service, including all software, design, and documentation. No rights are granted except as expressly stated. If you send feedback or suggestions, we may use them without obligation to you.

10. Disclaimers — not financial advice

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. REPORTS ARE FOR INFORMATIONAL PURPOSES ONLY AND ARE NOT FINANCIAL, ACCOUNTING, TAX, LEGAL, OR INVESTMENT ADVICE. BALANCES DEPEND ON YOUR INSTITUTION AND PLAID AND MAY BE DELAYED, INCOMPLETE, OR TEMPORARILY UNAVAILABLE — VERIFY CRITICAL FIGURES DIRECTLY WITH YOUR INSTITUTION BEFORE RELYING ON THEM.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA; AND (b) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF THE SERVICE IS LIMITED TO THE GREATER OF (i) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AND (ii) US $100. THESE LIMITS DO NOT APPLY TO YOUR PAYMENT OBLIGATIONS, EITHER PARTY'S INDEMNIFICATION OBLIGATIONS, OR LIABILITY THAT CANNOT BE LIMITED BY LAW.

12. Indemnification

You will defend and indemnify Coast against third-party claims arising from (a) Customer Data or your connection of accounts you were not authorized to connect, (b) your breach of these Terms, or (c) your violation of law. We will defend and indemnify you against third-party claims that the Service, as provided by us and used as permitted, infringes that third party's intellectual-property rights.

13. Governing law & disputes

These Terms are governed by the laws of Indiana, excluding its conflict-of-laws rules. The parties will first attempt in good faith to resolve any dispute informally within 30 days of written notice. Thereafter, disputes will be resolved exclusively in the state or federal courts located in Marion County, Indiana, and each party consents to their jurisdiction. [Attorney to consider: arbitration clause and class-action waiver.]

14. Changes to these Terms

We may update these Terms from time to time. For material changes we will give at least 14 days' notice (email or in-app) before they take effect; continued use after the effective date constitutes acceptance. The current version is always at coastflow.io/terms.

15. General

These Terms plus the Privacy Policy and any executed DPA are the entire agreement and supersede prior discussions. Neither party may assign this agreement without consent, except to a successor in a merger or asset sale. If a provision is unenforceable, the rest remains in effect. Failure to enforce a provision is not a waiver. Neither party is liable for delays caused by events beyond its reasonable control. Notices to us: support@coastflow.io.

16. Contact

Union Street Ventures, Inc. · Indiana, United States · support@coastflow.io