At the bottom of this page is a link to download the cash model. Please take a few moments to read the license agreement immediately below before downloading:


The following terms and conditions govern your use of the Steffen Consulting, Inc.’s Cash Model (the “Cash Model”). The Cash Model is offered subject to your acceptance without modification of all of the terms and conditions contained herein (collectively, the “Agreement”).

Please read this Agreement carefully before accessing the Cash Model. By accessing or using any part of the Cash Model, you consent to become bound by the terms and conditions of this Agreement. If you do not agree to all the terms and conditions of this Agreement, then you may not access or use any part of the Cash Model.

GRANT OF LICENSE. Subject to the limitations and conditions set forth in this Agreement, during the term of this Agreement, Steffen Consulting, Inc. (“Steffen Consulting”) agrees to grant and you agree to accept a non-transferable, non-exclusive, license to use the Cash Model to develop business models and business forecasts for your internal use and use with your clients or customers. You shall not provide access to the Cash Model to any third party, including, without limitation, your clients or customers, without Steffen Consulting’s written consent. You agree that the act of providing access to the Cash Model, without such consent, shall be deemed to constitute contributory infringement of Steffen Consulting’s copyrights and trade rights.

INTELLECTUAL PROPERTY. This Agreement does not transfer from Steffen Consulting to you any Steffen Consulting intellectual property, and all right, title and interest in and to such property will remain with Steffen Consulting.

AMENDMENTS. Steffen Consulting reserves the right, at its sole discretion, to modify or replace any part of this Agreement upon providing notice of such changes to you. Your continued use of or access to the Cash Model following the delivery of notice to you of the changes to this Agreement constitutes acceptance of those changes.

TERM OF LICENSE. The license granted hereunder shall continue until terminated as provided in herein.

TERMINATION. Steffen Consulting shall have the right to terminate this Agreement upon thirty (30) days notice to you. Steffen Consulting shall have the right to immediately terminate this Agreement if you commit a breach of any of the provisions of this Agreement. Upon termination of this Agreement, for any reason, all rights under the license granted herein shall immediately cease and terminate and you, at your expense, shall immediately return to Steffen Consulting all copies of the Cash Model in your possession.

SUPPORT. You acknowledge that Steffen Consulting shall provide NO technical or other support for the Cash Model.


A. The cash model is provided “as is”. Any and all warranties of merchantability and fitness for a particular purpose are expressly disclaimed and excluded by Steffen Consulting.

B. You acknowledge and agree that Steffen Consulting shall have no liability to you, your clients, customers, agents, contractors or any other person or entity for any direct, indirect, incidental or consequential damages or losses, including but not limited to cost for procurement of substitute products or economic losses, which might arise directly or indirectly out of any breach of this agreement, including by reason of your use of the cash model for any purpose, and whether such liability arises by contract or tort.

C. Steffen Consulting’s liability under this Agreement shall in no event exceed the amount paid by You to Steffen Consulting for the access to the Cash Model.

D. You understand that you access and use the Cash Model at your own discretion and risk.

INDEMNIFICATION. You agree to indemnify and hold harmless Steffen Consulting, its owners, directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Cash Model, including but not limited to your violation of this Agreement.

NOTICE. Any notice hereunder required to be provided by Steffen Consulting to you may be provided by ordinary U.S. mail, fax, or electronic mail, in Steffen Consulting’s discretion at such mailing address, fax number, or electronic mail address which you provide to Steffen Consulting. In the event you do not provide such mailing address, fax number, or electronic mail address to Steffen Consulting, Steffen Consulting can use the means by which it delivered the Cash Model to you for the purpose of providing such notice. Notice is considered delivered once sent by Steffen Consulting.

ASSIGNMENT. You shall not assign or otherwise transfer any of the rights granted under this Agreement and any attempt to do so shall be void and of no effect and a breach of this Agreement. Steffen Consulting may assign its rights under this Agreement without condition.

SEVERABILITY. If any provision of this Agreement is held to be invalid, illegal, or unenforceable, such provision shall be considered severable from this Agreement and the remaining provisions shall continue in full force and effect.

WAIVER. The failure of either party to insist, in one or more instances, upon the performance of any term or terms of this Agreement shall not be construed as a waiver or relinquishment of such right to the performance of such term or terms, and the obligation of both parties with respect thereto shall continue in full force and effect.

ENTIRE AGREEMENT. This Agreement constitutes the entire agreement between Steffen Consulting and you concerning the subject matter hereof and supersedes any prior agreements or understandings between the parties hereto relating to the subject matter hereof.

APPLICABLE LAW AND VENUE. This Agreement is governed by the laws of the State of Illinois where applicable, excluding its conflict of law provisions, and the Copyright Laws of the United States. The venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Cook County, Illinois. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond). The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and reasonable attorneys’ fees.

You agree to the terms above when you DOWNLOAD this file.