Terms & Conditions
Last updated: July 10, 2026
General Terms of Use
§ 1 Scope
These Terms & Conditions govern the use of cashflowengine.io, the Cashflow Engine App (wb.cashflowengine.io), and all related services and products (collectively, the “Platform”) provided by Cashflow Engine, 30 N Gould St Ste R, Sheridan, WY 82801, USA (the “Provider”).
By using the Platform, you agree to these Terms. Deviating terms are not recognized unless expressly agreed in writing.
§ 2 Services
The Platform provides tools and educational content for systematic options trading, including portfolio analysis, backtest comparisons, Monte Carlo simulations, and editorial content. The exact scope is defined in the respective product descriptions.
Where offered, the Platform additionally lets you connect your own brokerage account in order to view your account data and — only if you explicitly enable it — to execute strategies you have configured and activated yourself. See § 7a.
§ 3 Contract Formation
Product presentations on the Platform do not constitute a binding offer. By placing an order, you submit a binding offer. The contract is formed upon our order confirmation via email.
§ 4 Intellectual Property
All content on the Platform—including text, graphics, videos, software, and databases—is protected by copyright. Reproduction, distribution, or public reproduction without prior written consent is prohibited.
Access to paid services grants personal, non-commercial use only. Sharing login credentials or content with third parties is prohibited.
Trading Disclaimer
§ 5 No Investment Advice
Mandatory Pit Stop – Risk Disclosure
All content provided on the Platform is for informational and educational purposes only. It does not constitute investment advice, financial advice, or trading recommendations.
§ 6 Risks of Options Trading
Options trading involves significant risks and is not suitable for every investor. In particular:
a) Options trading can result in the total loss of invested capital.
b) Past backtest results and performance data are no guarantee of future results.
c) Market conditions can change at any time, leading to unexpected losses.
d) Automated systems may be subject to technical failures and errors.
§ 7 Personal Responsibility
Every user trades at their own risk and responsibility. The Provider assumes no liability for trading losses resulting from the use of the Platform or its tools. We strongly recommend consulting a qualified financial advisor before deploying real capital.
§ 7a Broker Connections & Self-Directed Execution
The Platform allows you to optionally connect your own brokerage account through SnapTrade, a third-party account-aggregation service. Connecting an account is entirely voluntary and can be revoked by you at any time.
a) Your credentials stay with your broker. You authenticate directly with your brokerage through SnapTrade. The Provider never receives, sees, or stores your brokerage login credentials.
b) No money movement, ever. The Provider never requests or holds any permission to withdraw, transfer, deposit, or otherwise move money or assets in your account. Access is limited to reading account data and, where you explicitly enable it, submitting trade instructions you have configured.
c) You are the sole decision-maker. The Platform is a self-directed tool. You select, configure, edit, and activate every strategy yourself. Strategies in the catalog are templates and starting points, not recommendations, and are not tailored to your personal financial situation, goals, or risk profile.
d) No discretionary authority. The Provider does not manage your account, exercises no trading discretion in its own name, and is neither a registered investment adviser nor a broker-dealer. Any automated execution runs only the rules you configured and affirmatively activated, and you may deactivate it at any time.
e) Execution is your broker’s. Orders are routed to and executed by your brokerage. Execution prices, fills, commissions, and fees are determined by your broker and by market conditions. Exact fees and execution prices are generally not known at the time you activate a strategy; by activating, you consent to proceed without that information.
f) Third-party terms apply.Your use of the connection is additionally governed by SnapTrade’s own terms and privacy policy, and by your brokerage agreement. Nothing on the Platform implies endorsement, sponsorship, or affiliation by any brokerage or financial institution.
g) Technical risk. Connections may fail, lapse, or require re-authorization, and automated systems may be subject to outages, latency, and errors (see § 6 d). The Provider does not guarantee that any order will be transmitted, executed, or executed at any particular price.
§ 8 Limitation of Liability
The Provider is only liable for damages caused by intentional or grossly negligent conduct. Liability for slight negligence is excluded to the extent permitted by law. This does not apply to damages arising from injury to life, body, or health.
Final Provisions
§ 9 Amendments
The Provider reserves the right to amend these Terms at any time. Changes will be communicated via email or on the Platform. If you do not object within 14 days of notification, the amended Terms are deemed accepted.
§ 10 Governing Law
The laws of the State of Wyoming, USA, apply, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). For consumers in the EU, mandatory consumer protection provisions of their country of residence additionally apply where more favorable.
§ 11 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced by a valid provision that most closely reflects the economic purpose of the invalid provision.
Workbench Subscription Terms
§ 12 Scope & Contracting Parties
These terms apply in addition for the paid subscription to the Cashflow Engine Workbench (wb.cashflowengine.io). Parts A, B, and C of these Terms apply accordingly.
The service is provided and sold by Cashflow Engine; Cashflow Engine is your contracting party. Cashflow Engine is a trading name (DBA) of AI Momentum LLC, Wyoming, USA. Payments are processed on our behalf by Stripe, LLC as our payment service provider. Stripe is not a reseller and is not the merchant of record; we issue the invoice.
§ 13 Service & Contract Formation
The Workbench is a web-based analytics and portfolio tool provided as an ongoing digital service for the duration of the subscription. The contract is formed upon completion of the checkout process.
§ 14 Term, Auto-Renewal & Cancellation
The billing interval (monthly or annual) follows the plan selected at checkout. After the initial term, the subscription renews for an indefinite period and may be cancelled at any time with a notice period of no more than one month (§ 309 No. 9 BGB).
You can cancel at any time via the cancellation button (§ 312k BGB) in your account, via account settings, or informally by email to terminal@cashflowengine.io.
§ 15 Prices, Payment & Tax
All prices are stated in US dollars (USD) and are exclusive of applicable taxes. Cashflow Engine is a US business and sells directly: we collect no VAT and no US sales tax, and we issue the invoice. You are responsible for any tax that may apply in your jurisdiction.
§ 16 Right of Withdrawal & Early Expiry
Consumers have a 14-day right of withdrawal from contract formation. Because the Workbench is an immediately supplied digital service, the right of withdrawal expires if, during checkout, you expressly consent to us beginning performance before the withdrawal period ends and acknowledge that you thereby lose your right of withdrawal (§ 356(5) BGB / Art. 16 Consumer Rights Directive).
Declare your withdrawal by an unequivocal statement (e.g., email) to terminal@cashflowengine.io. Upon valid withdrawal, we refund payments already made without undue delay and within 14 days at the latest.
§ 17 Affiliate Disclosure
The Workbench may contain references (affiliate links) to third-party providers, in particular Option Omega and OptionsApp. Purchases made through such links may earn the Provider a commission. Such references constitute advertising; they incur no additional cost for you.
Engineered by Thomas Mehlitz · Cashflow Engine