Last updated November 9, 2026
Terms of Use
The rules for using Proxima Cashflow, a money calendar for tracking your bills, income and accounts in pesos.
What Proxima Cashflow is
Proxima Cashflow (cashflow.proxima.com.ph) is made by Proxima, a software studio based in Cagayan de Oro, Philippines (“we”, “us”). These terms are an agreement between you and Proxima.
It is a tool for writing down and planning your own money: accounts, bills, income, spending, reminders, to-dos and notes, shown on a calendar.
Proxima Cashflow is not a bank, e-wallet, lender or payment service. It never connects to your bank or e-wallet, never holds or moves money, and cannot pay a bill for you. Everything in it is what you or the people you share with type in.
Your account
- You must be at least 13. If you are under 18, use Proxima Cashflow with a parent or guardian’s permission.
- Use an email address you can read, and keep your password to yourself. If you sign in with Google or Facebook, keeping that account safe keeps yours safe too.
- One person per account. You are responsible for what happens in your account.
- Tell us straight away at contact@proxima.com.ph if you think someone else got into your account.
Your records are yours
What you put in Proxima Cashflow stays yours. You let us store it, show it to you on your devices, send you the reminders you ask for, and show it to the people you choose to share with. We do not use it for anything else.
The Privacy Policy explains what we store, why, and how to get a copy or have it deleted.
Numbers and reminders
Balances, totals and charts are worked out from what has been entered. If an entry is wrong or missing, so are they. Check them against your bank, e-wallet and bills.
Email and push reminders can arrive late or not at all (for example, when a phone is off or an email lands in spam). Don’t rely on them alone for payments that matter.
Changes made offline are saved on your device and sent when you are back online. If you clear your browser’s data before they are sent, they are lost.
Nothing in Proxima Cashflow is financial, tax or legal advice.
Using it fairly
Do not:
- break the law or other people’s rights while using Proxima Cashflow;
- try to get into accounts or systems that are not yours, or disrupt the service;
- scrape, overload or automate it beyond normal personal use;
- use it to harass anyone, or put other people’s personal details in it without a good reason.
We may suspend or close accounts that break these terms. Where we can, we will tell you why first.
Price
Proxima Cashflow is free to use. If we ever add paid features, we will tell you before anything costs money, and you will never be charged without agreeing to it first.
Changes and availability
Proxima Cashflow is provided as it is and as available. We work to keep it running and your records safe, but we may change, pause or stop parts of it.
If we ever shut it down, we will give you at least 30 days’ notice and a way to download your records.
We may update these terms. When we do, we change the date at the top and, for important changes, tell you in the app or by email. Continuing to use Proxima Cashflow means you accept the new terms.
Leaving
You can stop using Proxima Cashflow at any time. To have your account and everything in it deleted, email contact@proxima.com.ph from the email address on your account.
Our liability
As far as the law allows, we are not liable for losses that come from using Proxima Cashflow or relying on it, such as a missed payment, a late fee or a decision made from its numbers. Nothing in these terms takes away rights the law gives you that cannot be waived.
Governing law
These terms are governed by the laws of the Philippines. That never takes away the consumer rights the law where you live gives you.
Contact
Email contact@proxima.com.ph. We answer within 30 days, usually much sooner.