Money Fund Monitor — Terms of Use

1. Permissioned Access

The Service is intended for business and institutional users and is available by account only; there is no public sign-up. Access is granted to specific, authorized email addresses within an approved organization, and is subject to the access settings configured for that organization, including whether data export is enabled. You agree to use the Service only for legitimate business purposes and in compliance with applicable law.

2. Accounts, Credentials, and Security

You sign in with an email address and password. You are responsible for keeping your credentials confidential and for all activity that occurs under your account. Do not share your account or password, and notify us promptly of any suspected unauthorized use.

We authenticate sessions using secure cookies and log authentication and security events — including timestamps and, for security monitoring, IP address and browser (user-agent) information — as described in our Privacy Policy.

We may deny, suspend, or revoke access if your email address or organization is not authorized or configured, your evaluation period has ended, or we reasonably suspect misuse, credential sharing, or a security risk.

3. Evaluation / Early Access

Access may be provided on an evaluation basis and may be time-limited. During evaluation, features may be limited or disabled (including data export), and the Service may change, degrade, or be withdrawn without notice. Evaluation access creates no commitment to ongoing service, support, availability, or future features.

4. Acceptable Use

You agree not to:

• access data or accounts outside your authorized scope;
• probe, scan, or attempt to defeat security or access controls, including rate limits;
• scrape, crawl, or systematically extract, copy, or store the Service’s content or data except as expressly permitted;
• redistribute, republish, resell, sublicense, or otherwise make the Service or its data available to any third party;
• upload malicious code or attempt to disrupt the Service or its infrastructure; or
• use the Service to violate any law or the rights of others.

5. No User Content

The Service does not accept user-uploaded content. You do not submit data to the Service, and the Service provides no functionality to store or publish content you create.

6. Data Sources, Outputs, and Accuracy

The Service presents information based on public regulatory filings — SEC Form N-MFP — together with normalized and derived analytical fields that we generate, such as estimated floating-rate classification, maturity-bucket groupings, issuer normalization, and month-over-month reported position changes.

Public filing data may contain errors, omissions, delays, restatements, or inconsistencies among filers, and derived fields are analytical classifications, not official determinations. The Service is not a system of record. We do not warrant that any information or output is accurate, complete, current, or fit for any purpose, and you are solely responsible for verifying information against the original filings and your own systems before relying on it.

7. No Advice

The Service is provided for informational and research purposes only. Nothing in it constitutes investment, legal, tax, accounting, or other professional advice, or any recommendation or solicitation to buy, sell, or hold any security or instrument. Reported position changes reflect differences between reported month-end filings and are not trades, flows, purchases, sales, or recommendations.

We are not acting as your broker, adviser, agent, or fiduciary, and your use of the Service creates no such relationship. You should consult qualified professionals as appropriate.

8. Intellectual Property

The underlying SEC filing data is public. The Service itself — including its software, design, compilation, normalization, and derived analytics — is owned by us and our licensors. Except for the limited right to access and use the Service as authorized, no rights are granted to you. You may not copy, modify, distribute, sell, or create derivative works of the Service except as expressly permitted by us in writing.

9. Exports

Where data export is enabled for your organization, exported data remains subject to these Terms, including the restrictions on redistribution, resale, sublicensing, and systematic extraction. Export availability may be changed or withdrawn at any time.

10. Confidentiality (Evaluation)

During evaluation you may receive non-public information about the Service, such as features not yet released, roadmap, and performance. Please treat that information as confidential and share it only within your organization on a need-to-know basis. This does not restrict information that is or later becomes public through no fault of your own.

11. Availability and Changes

The Service may change, be interrupted, or be discontinued at any time, in whole or in part, without notice. We do not guarantee availability.

12. Suspension and Termination

You may stop using the Service at any time. We may suspend or terminate access immediately if we believe you have violated these Terms or pose a security risk. Upon termination, your right to access the Service ends; we may retain logs and records for security, compliance, and legal purposes.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100).

15. Indemnity

You agree to indemnify, defend, and hold harmless Adam Segal (d/b/a Cash Ledger) from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Service or your violation of these Terms or applicable law.

16. Governing Law and Venue

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to personal jurisdiction and venue there.

17. Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by updating the “Last Updated” date and, where appropriate, by additional notice. Continued use of the Service after the effective date of updated Terms constitutes acceptance.

18. Miscellaneous

You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, reorganization, or sale of assets. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. We are not liable for delays or failures due to events beyond our reasonable control.

19. Contact

Questions about these Terms: support@thecashledger.com.