Every answer, in plain words.

No. We hold no payment-initiation rights. Cash Optimizer prepares payment batches for your accounting system and your bank — the approval stays in your bank, and a kill switch stops every automation instantly.

No. Your ledger and your bank remain the systems of record. Banking connections are read-only; connections to your accounting system also write payment batches and status updates back.

It answers from your actual balances, invoices and payment history, and every answer turns into a concrete plan — move, split or hold — that you can apply to a scenario before anything is prepared.

Spreadsheets break with several banks, entities and currencies. Here the cash position, the 13-week curve, receivables ageing and how each partner actually pays update together.

The free Starter plan: one company, one bank, one accounting system, one user and 20 AI questions per month. We connect your data with you, so we onboard in batches — signing up puts you on the waiting list for the next one and we confirm your start date by email.

Banking connections are read-only, data is hosted in the EU with EU-hosted AI models, every proposed and applied change is logged, and a data processing agreement is available on request. We do not claim certifications we do not hold.

Paid plans are billed monthly in advance, in EUR, excluding VAT. Pilot is €190 per month and Growth is €390 per month. Starter is free and needs no card. Enterprise is quoted per scope and runs on an annual agreement. Choose Start risk-free for Pilot or Growth; choose Schedule a call for an Enterprise custom annual contract.

Card and bank transfer against an invoice. Czech and Slovak companies are invoiced by Datové účetnictví s.r.o. with your VAT ID on the document; EU reverse charge applies where relevant.

No fee on Starter, Pilot or Growth. Onboarding of your banks and accounting system is included in the plan. Enterprise includes custom onboarding at no extra cost, with a dedicated onboarding person who sets everything up and advises your team.

Nothing breaks and nothing is charged automatically. You keep full read access to your data, and we tell you which limit you reached so you can decide whether to move up a plan. We do not apply surprise overage fees.

No. Growth and Enterprise include unlimited users. Charging a company for letting its own accountant look at its own cash position is the wrong incentive.

Yes. Upgrades take effect immediately and we pro-rate the difference on your next invoice. Downgrades take effect at the start of your next billing period, so you keep what you already paid for.

New Pilot and Growth subscriptions come with a 3-month cash-back guarantee. Run Cash Optimizer alongside your current process for your first three months. If spreadsheets or your existing setup are still better for you, tell us in writing within those three months and we refund 100% of what you paid — no forms and no retention call. Either way, you keep full export access to your data.

Yes. Starter, Pilot and Growth have no minimum contract. Cancel before your next renewal date and the plan stays fully active until the end of the period you already paid for. No cancellation call and no retention hoops — one email to hello@cashopti.com is enough.

We do not pro-rate refunds for a month already started, because the plan keeps working until the period ends. If something on our side stopped you from using the product, tell us and we will make it right. The 3-month money-back guarantee for new Pilot and Growth subscriptions is an exception: if you are not satisfied, you can request a 100% refund within your first three months.

Your workspace becomes read-only for 30 days so you can export everything you need. After that we delete the workspace and its data, and we delete it sooner on written request.

Enterprise terms include a notice period agreed in the contract, usually 30 days before the renewal date, plus an assisted export of all your data before access ends.

You do. Your balances, invoices, forecasts and scenarios remain your company's data. We process them to run the service for you and for nothing else.

Yes, at any time and on every plan, including the free one. Balances, transactions, receivables, payables, forecasts and audit history export to CSV, and Growth and Enterprise can pull the same data through the API.

No. We do not sell or share your data with third parties for their own purposes, and we do not use your company data to train public AI models. Model providers we use are contracted so that your data is not retained for training.

In the EU. Banking connections are read-only, payment approval always happens inside your own bank, and no payment can leave your bank on our instruction alone. More detail is on our security page.

Yes. We sign a GDPR data processing agreement on request on any paid plan, and we can complete your security questionnaire during scoping.

One question you ask the assistant, together with the answer it gives you and the data it reads to produce that answer. Follow-up questions in the same conversation count separately, because each one is a new answer. Dashboards, forecasts, alerts and reports do not count — those are part of the product, not the assistant.

Starter includes 20 AI queries per month, Pilot includes 50 and Growth includes 500. Enterprise includes unlimited AI queries.

Yes, and we would rather state it than hide it. Unlimited on Enterprise covers human use by your finance team. If usage looks like an automated integration — scripted bulk querying, or a volume closer to a platform than a finance department — we contact you and talk about Enterprise or API access. We will always talk to you first; we do not silently cut you off.

Starter includes 20 AI questions per month, Pilot includes 50 and Growth includes 500. When you reach the limit, the rest of the product keeps working normally — the assistant simply waits until your next month or until you move up a plan.

No. The assistant proposes changes and you review them. Scenario execution writes a payment batch for your accounting system and your bank, and the final approval always happens inside your bank with your own signing rules.