Terms of Service

These Terms of Service (“Terms”) form a binding agreement between you, the business entity you represent (“you,” “your,” or “Customer”), and FlowifyOS LLC, a Wyoming limited liability company (“Flowify,” “we,” “us,” or “our”), governing your access to and use of the Flowify platform, websites at https://flowifyos.com and related domains, mobile applications, and APIs (collectively, the “Service”). By creating an account, clicking “I agree,” or using the Service, you accept these Terms and our Privacy Policy. If you are entering into these Terms on behalf of a company, you represent that you are authorized to bind that company.

Flowify is a financial-technology platform that helps small and mid-sized businesses allocate their revenue across virtual “Smart Nodes” (such as payroll, taxes, vendor bills, profit, and operating reserves). Flowify connects to your point-of-sale and bank accounts to read transaction data and, where you have authorized it, to initiate movements between accounts you own.

Flowify is NOT a bank. Flowify does not hold customer funds.

Deposit accounts, payment-network access, and money-movement services are provided by one or more third-party financial institutions (“Partner Banks”) and licensed money-movement providers. Your funds are held by the Partner Bank, not by FlowifyOS LLC. Your relationship with the Partner Bank is governed by a separate deposit-account or program agreement that you must accept before any money-movement features are enabled.

To use the Service you must (a) be a U.S.-formed legal entity in good standing, (b) have a valid U.S. taxpayer identification number, (c) be authorized to bind that entity, (d) be at least 18 years old, and (e) not be located in or operating from a jurisdiction that is the target of comprehensive U.S. economic sanctions. The Service is currently offered only in U.S. dollars to U.S. businesses.

To open an account you must provide accurate business and beneficial-ownership information and grant us, our identity-verification vendors, and our Partner Bank permission to verify it. We may request additional information at any time. We may refuse, suspend, or close any account in our sole discretion, including if verification fails, if your activity violates these Terms or any Partner Bank rule, or if continued service would create regulatory or risk exposure.

The Service operates by connecting to third-party services you authorize, including point-of-sale (POS) providers, bank-data aggregators (e.g., Plaid), payroll providers, and tax-filing portals. By connecting any such service, you (a) authorize us to access, store, and process the data we receive, (b) represent that you have the right to grant that access, and (c) agree to that third party’s own terms. We are not responsible for outages, data errors, or changes in the third-party service.

A Smart Node is a virtual ledger maintained by the Service. Allocations between Smart Nodes are bookkeeping operations within Flowify; they do not by themselves move money between bank accounts unless and until you have linked a Partner Bank account and enabled “automation mode.” When automation mode is enabled, you authorize the Service to instruct the Partner Bank to execute movements you have configured (such as transfers to payroll, tax, or vendor payees).

You are solely responsible for the rules, percentages, schedules, and payees you configure. We do not provide tax, accounting, legal, or investment advice. You should review configured movements regularly.

By enabling money-movement features, you provide an electronic ACH and account-transfer authorization to the Partner Bank, valid until you revoke it through the Service or as required by your Partner Bank agreement. You agree that:

• Each transfer will be initiated based on rules you configure or actions you take in the Service.
• You will maintain sufficient balance in funded accounts to cover scheduled transfers; you are responsible for overdraft, return, NSF, and similar fees imposed by your bank.
• ACH transfers are subject to NACHA rules; you have the right to revoke an authorization in time and manner that allows us and the Partner Bank a reasonable opportunity to act on it (typically at least three business days before the scheduled transfer).

Subscription fees, plan limits, and any usage-based charges are described on our pricing page and in your account. We may change fees with at least thirty (30) days’ notice; changes apply at the start of your next billing period. Payment processing is performed by our payment processor (e.g., Paddle); by paying, you authorize charges to your selected payment method. Except where required by law or stated otherwise, all fees are non-refundable. See our Refund Policy.

You agree NOT to use the Service to:

• Engage in money laundering, terrorist financing, sanctions evasion, fraud, or any other unlawful activity.
• Operate any business prohibited by us or by the Partner Bank, including those on our then-current Restricted Business List (such as unlicensed money services, internet gambling without proper license, marijuana-touching businesses where prohibited by the Partner Bank, weapons sales outside lawful licensed channels, and adult content involving minors).
• Misrepresent your identity, business, beneficial owners, or expected activity.
• Reverse engineer, scrape, overload, or attempt to bypass security or rate limits.
• Resell, sublicense, or use the Service to provide a competing service without our written permission.
• Upload code or content that is unlawful, infringing, malicious, or violates the rights of others.

You retain ownership of all data you submit or that we receive from your connected services on your behalf (“Customer Data”). You grant us a worldwide, non-exclusive license to host, process, transmit, and display Customer Data solely as necessary to provide and improve the Service, comply with law, and meet our obligations to Partner Banks. We process personal information in accordance with our Privacy Policy.

FlowifyOS LLC retains all right, title, and interest in and to the Service, including software, designs, models, documentation, and trademarks. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the term. We may use de-identified, aggregated information derived from Customer Data to operate, improve, secure, and benchmark the Service.

Each party may receive non-public information of the other (“Confidential Information”). Each party will protect the other’s Confidential Information using at least the same care it uses for its own confidential information of like importance, and at minimum reasonable care. These obligations survive termination for three (3) years; trade secrets are protected for as long as they remain trade secrets.

The Service is provided “as is” and “as available.” To the maximum extent permitted by law, FlowifyOS LLC disclaims all warranties, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of data. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any allocation, report, or forecast will be accurate.

Information shown in the Service — including projected balances, tax estimates, and recommended movements — is for informational purposes only and is not financial, tax, accounting, legal, or investment advice. You should consult your own professional advisors.

To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, or data, even if advised of the possibility of such damages.

FlowifyOS LLC’s aggregate liability arising out of or related to these Terms or the Service will not exceed the greater of (a) the fees you paid to us in the twelve (12) months before the event giving rise to the claim or (b) one hundred U.S. dollars ($100).

You will defend, indemnify, and hold harmless FlowifyOS LLC, its affiliates, and its and their officers, directors, employees, and agents from and against any third-party claim, demand, or proceeding, and any related losses, damages, fines, and reasonable attorneys’ fees, arising out of: (a) your use of the Service in violation of these Terms or applicable law; (b) Customer Data or your business; (c) your authorization of any transfer or instruction; or (d) your violation of any Partner Bank agreement.

Please read this section carefully — it affects your legal rights.

You and FlowifyOS LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (“Dispute”) will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules, except that either party may bring an individual action in small-claims court for claims within that court’s jurisdiction. The arbitration will be conducted in English, before a single arbitrator, with the seat in Cheyenne, Wyoming, unless the parties agree otherwise. Judgment on the award may be entered in any court having jurisdiction.

Class-action waiver: You and FlowifyOS LLC each agree that disputes may be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims.

30-day opt-out: You may opt out of the arbitration agreement by emailing support@flowifyos.com within 30 days of first accepting these Terms with the subject line “Arbitration Opt-Out” and your business name. Opting out does not affect any other provision of these Terms.

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules. Subject to Section 16, the state and federal courts located in Wyoming have exclusive jurisdiction over any claim not subject to arbitration.

These Terms remain in effect while you have an account. You may terminate at any time by closing your account in the Service. We may suspend or terminate your account immediately if (a) you breach these Terms or any Partner Bank agreement, (b) we are required to do so by law or by a Partner Bank, or (c) we reasonably believe continued service would create undue legal, financial, or reputational risk. On termination, we will reasonably assist you in retrieving your Customer Data for thirty (30) days, after which we may delete it subject to our retention obligations.

We may modify the Service from time to time. We may also amend these Terms; material changes will be communicated by email and/or in-product notice at least fifteen (15) days before they take effect. Your continued use after the effective date constitutes acceptance.

Neither party is liable for any failure or delay caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, government action, labor conditions, internet or power outages, or failures of upstream banking, payments, or telecommunications systems.

• Entire agreement: These Terms, the Privacy Policy, the Refund Policy, the Acceptable Use Policy, any Partner Bank agreement, and any order form together constitute the entire agreement between the parties.
• Assignment: You may not assign these Terms without our written consent. We may assign in connection with a merger, acquisition, or sale of assets.
• No waiver: A failure to enforce any provision is not a waiver.
• Severability: If any provision is held unenforceable, the remainder remains in effect.
• Notices: We may give notices via email or in-product notice; you may notify us at the email below.

FlowifyOS LLC
Email: support@flowifyos.com
Website: https://flowifyos.com