Terms & Conditions

By downloading, installing, accessing, or using FlowMoney, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. If you are using FlowMoney on behalf of a business, you represent that you have the authority to bind that entity to these Terms.

To use FlowMoney, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction).
• Be a resident of a country or region where FlowMoney is available.
• Provide accurate, current, and complete information during registration.
• Maintain only one personal FlowMoney account.
• Not have been previously suspended or removed from FlowMoney for violations of these Terms.
• Have the legal capacity to enter into binding contracts.

FlowMoney is available in supported countries. Availability of specific features (international transfers, Flow Cards, borrowing, cryptocurrency services) may vary by jurisdiction and is subject to local regulations.

To open a FlowMoney account, you must provide:

• A valid email address and mobile phone number
• Your full legal name, date of birth, and residential address
• A secure password and, where supported, biometric authentication
• A unique Flow ID (handle) for sending and receiving money within FlowMoney

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@flowmoney.app if you suspect unauthorized access to your account.

As a regulated financial service, FlowMoney is required to verify your identity under applicable Know Your Customer (KYC) and Anti-Money Laundering (AML) laws. This may include:

• Providing a government-issued photo ID
• Completing a selfie or liveness verification
• Providing your Social Security Number (SSN) or equivalent
• Verifying your address and source of funds for higher-tier services

Certain features — including Flow Cards, international transfers, cryptocurrency services, and higher transaction limits — require additional verification tiers. Failure to complete verification may result in limited account functionality or account closure. Providing false or fraudulent information is a violation of these Terms and may be reported to authorities.

FlowMoney provides peer-to-peer payments, card-based transactions, and international transfers through our banking and payment processor partners. By using our payment services, you agree that:

• You authorize us to initiate transactions on your behalf through our partners.
• You are responsible for ensuring sufficient funds are available before initiating a transfer.
• Transactions are subject to our published fee schedule, which may be updated from time to time.
• Processing times vary by transaction type and destination.
• We may decline, reverse, or hold a transaction for security, compliance, or regulatory reasons.
• Some transactions may be subject to limits based on your verification tier and jurisdiction.

FlowMoney allows you to send money to and receive money from other FlowMoney users by Flow ID, phone number, or QR code. When sending or receiving money:

• You are responsible for verifying the recipient's identity before sending funds.
• Once a payment is sent and accepted, it generally cannot be reversed unless required by law.
• You may request money from other users; requests are subject to the recipient's approval.
• Payments for goods or services may be eligible for dispute resolution under applicable chargeback rules.
• You agree not to use FlowMoney for illegal activities, money laundering, or gambling.

Flow Cards (virtual and physical debit cards) are issued by our banking partners and are subject to the following terms:

• Flow Cards are linked to your FlowMoney balance and can be used wherever accepted cards are honored.
• You must complete identity verification (Tier 2 or higher) before a Flow Card is issued.
• You are responsible for all transactions made with your card, including authorized transactions by anyone you permit to use it.
• Card controls (spending limits, merchant restrictions, freeze/unfreeze) are available in the app.
• Lost or stolen cards must be reported immediately via the app or support@flowmoney.app.
• Physical card orders may be subject to issuance and shipping fees.
• Card terms may be supplemented by additional terms from the issuing bank.

FlowMoney offers international money transfers through our settlement partners and remittance providers. For international transfers:

• Exchange rates and fees are disclosed before you confirm a transfer.
• Delivery times vary by destination country and payout method (bank deposit, mobile wallet, cash pickup).
• Recipient information must be accurate; incorrect details may cause delays or loss of funds.
• Certain corridors may be unavailable or limited based on partner availability and regulatory status.
• Transfers may be subject to compliance review, including sanctions screening and fraud detection.
• We are not liable for delays or failures caused by our partners, recipient banks, or regulatory holds beyond our control.

FlowMoney is a software platform, not a bank. Banking services, card issuance, and money transmission are provided by our licensed third-party partners, not by FlowMoney LLC directly.

• The regulated services described in these Terms — including payment processing, Flow Cards, international transfers, and borrowing — are provided through third-party partners and are subject to their terms, partner availability, and applicable regulatory approval.
• Availability of any specific feature varies by jurisdiction, verification tier, and partner support, and may change over time. Some services described here may not be available in all regions or to all users, and FlowMoney does not guarantee that any particular regulated service is currently live or accessible to you.
• Where a service is unavailable in your region, FlowMoney will endeavor to indicate this within the app. Nothing in these Terms constitutes an offer or commitment to provide a specific regulated service in a jurisdiction where it is not authorized.
• FlowMoney does not hold customer deposits as a bank; balances held in the app are held by or through our partners under their custody and regulatory framework.

What FlowMoney provides:

• Each FlowMoney customer may be provisioned an individual, non-custodial cryptocurrency wallet (currently supporting USDC on the Polygon network). The private keys controlling this wallet remain under the customer's control — FlowMoney does not hold, escrow, or access your private keys and cannot recover them if you lose access to your wallet or device.
• You may purchase cryptocurrency (such as USDC on Polygon) with a debit card or bank-linked funding through third-party onramp and payment providers (including Stripe's Crypto Onramp and other licensed partners). Purchased digital assets are delivered directly to your own personal wallet address — never to a FlowMoney corporate wallet.
• Your FlowMoney balance reflects confirmed digital-asset deliveries only. A purchase is credited after the provider confirms on-chain delivery to your wallet — never before.
• You may view your wallet address, send supported digital assets to external addresses, and track transaction status in the app. Supported assets, networks, and availability are determined by our partner providers and may change without notice.

What FlowMoney does not provide:

• FlowMoney is not a cryptocurrency exchange, broker-dealer, or custodian. We do not offer investment advice, trading against our own inventory, margin, lending, or staking of digital assets.
• FlowMoney does not guarantee the market value of any digital asset. Stablecoins such as USDC may deviate from their intended peg, and nothing in these Terms is a promise of value or return.

Risks you accept:

• Irreversibility: Blockchain transactions are final once confirmed. Funds sent to a wrong address, a wrong network, or a compromised wallet generally cannot be recovered by FlowMoney or anyone else.
• Wallet security: You are solely responsible for keeping your device, app access, and wallet secure. Anyone with access to your account may be able to move your digital assets.
• Network risk: Blockchain networks may experience congestion, delays, outages, or protocol failures beyond FlowMoney's control. Network (gas) fees are set by the blockchain and third-party providers, not by FlowMoney.
• Regulatory risk: Digital-asset laws vary by jurisdiction and change frequently. You are responsible for ensuring your use of cryptocurrency services complies with your local laws, including any tax obligations on digital-asset transactions.
• No FDIC insurance: Digital assets held in your wallet are not deposits, are not insured by the FDIC or any government agency, and are not protected against loss.

Cryptocurrency purchases, sales, and transfers are subject to our KYC/AML program and may be declined, held, or reversed by our providers for compliance reasons, including sanctions screening and travel-rule obligations.

FlowMoney is committed to fee transparency. The following applies to all fees:

• Disclosure before confirmation: The total cost of each transaction — including FlowMoney service fees, provider processing fees, and estimated network fees — is displayed to you before you confirm any purchase, transfer, or exchange.
• Purchases and funding: Card-based funding and cryptocurrency purchases carry processing fees set by our payment and onramp providers (such as Stripe), plus blockchain network fees. These fees are quoted live at checkout and are shown as part of your total.
• Transfers: Peer-to-peer and international transfer fees are shown on the fee screen before you confirm. Exchange rates for currency conversion are disclosed at the time of the transaction.
• Provider-set fees: Where a third-party provider sets or changes its fee (for example, a card network fee or blockchain gas fee), the amount shown at checkout is the authoritative quote; the final amount may differ if the provider's rate changes while a transaction is processing, as described in the applicable checkout flow.
• Changes: We may update our fee schedule over time. Changes are published in the app and reflected in the quote shown before each transaction.

Consent and Purpose:

• Users may voluntarily provide their mobile phone number to FlowMoney and request SMS verification.
• You initiate verification by entering your phone number and requesting an SMS verification code.
• FlowMoney may send one-time passcodes (OTPs), authentication codes, account verification messages, and security-related messages.
• FlowMoney sends one-time verification codes and account security notifications only.
• FlowMoney does not use this SMS program for unsolicited marketing messages.
• Consent to receive SMS messages is not a condition of purchase.
• SMS consent and mobile telephone information will not be sold or shared with third parties or affiliates for their marketing or promotional purposes.

Message Frequency and Rates:

• Message frequency varies depending on the user's verification activity (typically 1–5 messages per month for routine verification and security alerts).
• Message and data rates may apply according to your mobile carrier plan.

Opt-Out and Help:

• Users may reply STOP to opt out of SMS messages.
• Users may reply HELP for assistance and support contact information.
• For additional support, email support@flowmoney.app.

Carrier Disclaimer: FlowMoney is not responsible for delayed or undelivered messages caused by your mobile carrier. Carriers are not liable for delayed or undelivered messages.

For information on how your mobile telephone information is handled, see our Privacy Policy.

To protect your account, you agree to:

• Use a strong, unique password and enable two-factor authentication where available.
• Keep your device updated with the latest security patches.
• Never share your login credentials, verification codes, or card details with anyone.
• Log out from shared or public devices after use.
• Review your transaction history regularly and report suspicious activity immediately.
• Enable biometric authentication (Face ID/Touch ID) on devices you control.

You agree not to use FlowMoney to:

• Violate any law, regulation, or court order.
• Engage in money laundering, terrorism financing, or sanctions evasion.
• Process proceeds from illegal activities, including drug trafficking or fraud.
• Use another person's identity or financial information without authorization.
• Attempt to reverse, charge back, or dispute a legitimate transaction.
• Use FlowMoney for gambling, pyramid schemes, or investment scams.
• Interfere with, disrupt, or gain unauthorized access to FlowMoney systems.
• Reverse engineer, decompile, or attempt to extract source code from our app.
• Use automated systems (bots, scrapers) to access or collect data from FlowMoney.
• Open multiple accounts to circumvent limits or restrictions.
• Send spam, phishing, or deceptive communications through our platform.
• Use cryptocurrency services to mix, tumble, or obscure the origin of digital assets, or to transact with sanctioned addresses, darknet markets, or other prohibited counterparties.

FlowMoney employs advanced fraud detection and prevention systems. We may:

• Monitor transactions in real time for suspicious patterns.
• Hold or decline transactions that appear fraudulent or high-risk.
• Require additional verification or documentation for flagged transactions.
• Suspend or close accounts associated with fraudulent activity.
• Report suspected fraud to law enforcement and regulatory authorities.
• Reverse fraudulent transactions and return funds to the rightful owner where possible.

If you suspect fraud or unauthorized activity on your account, contact us immediately at support@flowmoney.app. Prompt reporting helps us protect you and other users.

FlowMoney partners with third parties to deliver and support our Services, including identity verification, banking, card issuance, payment processing, cryptocurrency onramp and exchange services, money transmission, remittance, SMS delivery, and cloud hosting. These include:

• Payments and card issuing: licensed banking and processor partners for payment processing, card issuance, and payouts (including Stripe for card payments and onramp services).
• Cryptocurrency services: licensed onramp, liquidity, and exchange providers (including Stripe's Crypto Onramp, Coinbase, and other partners) that execute digital-asset purchases and deliver them to your personal wallet, and wallet infrastructure providers that help provision your non-custodial wallet.
• Money transmission and remittance: settlement and payout partners for international transfers and cash services (including MoneyGram for cash pickup and deposit services where available).
• Communications: SMS delivery handled by providers such as Twilio, Infobip, and Sent.dm, as described in the SMS Messaging & Verification section.

• These providers may process your data under their own terms and privacy policies as permitted by law, and are responsible for their own regulatory compliance.
• FlowMoney is not responsible for the acts or omissions of third-party providers beyond our control, including delays, failures, or outages caused by them.
• Your use of a third party's services may also be subject to that provider's separate terms.

By using FlowMoney, you consent to receive electronic communications from us, including emails, in-app messages, push notifications (where enabled on your device), and SMS messages (as described in the SMS Messaging & Verification section).

• You agree that these electronic communications satisfy any legal requirement that communications to you be in writing.
• You are responsible for ensuring your email address, mobile phone number, and notification settings are current so that you receive these communications.
• You may manage certain notification preferences in the app or by contacting support.

We may suspend, restrict, or close your account if:

• You violate these Terms or our Acceptable Use policy.
• We suspect fraudulent, illegal, or unauthorized activity.
• You fail to complete required identity verification.
• Regulatory or legal requirements compel us to do so.
• Your account has been inactive for an extended period.
• We are required to comply with a law enforcement or regulatory request.

You may close your account at any time through the app or by contacting support. Upon closure:

• Pending transactions will be completed or canceled.
• Any negative balance must be resolved.
• Certain data will be retained as required by law (see Privacy Policy).
• You will no longer be able to access your transaction history.
• Because your cryptocurrency wallet is non-custodial, you are responsible for withdrawing or securing any digital assets before account closure; FlowMoney cannot recover assets from a closed account's wallet after access is terminated.

All content, features, and functionality of FlowMoney — including the FlowMoney name, logo, Flo mascot, Aurora AI, FlowVerify, Flow Cards, software code, designs, and user interface — are owned byFlowMoney LLC and protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission.
• Use our trademarks or branding in a way that implies endorsement or affiliation.
• Remove or alter any copyright or proprietary notices.

Content you create and upload (such as your profile photo and messages) remains your property. You grant us a license to use it solely to provide and improve our services to you.

To the maximum extent permitted by law:

• FlowMoney is provided on an "as is" and "as available" basis without warranties of any kind.
• We are not liable for indirect, incidental, special, or consequential damages.
• We are not liable for losses caused by our banking partners, payment processors, cryptocurrency providers, or remittance providers.
• We are not liable for loss of digital assets caused by wallet compromise, lost credentials, or transactions sent to incorrect addresses.
• We are not liable for losses arising from blockchain network failures, congestion, or protocol defects, or from changes in the market value of digital assets.
• We are not liable for delays or failures caused by network outages, carrier issues, or regulatory holds.
• We are not liable for unauthorized access to your account resulting from your failure to secure your credentials.
• Our total liability for any claim is limited to the amount of fees you paid us in the 12 months preceding the claim.

Some jurisdictions do not allow certain liability limitations, so these may not apply to you.

We may update these Terms from time to time to reflect changes in our Services, legal requirements, or operational practices. When we do:

• We will post the updated Terms in the app and update the "Last Updated" date at the top of this page.
• Material changes will be communicated through the app, or by email or SMS where appropriate.
• Your continued use of FlowMoney after the updated Terms take effect constitutes your acceptance of the revised Terms.
• If you do not agree to the updated Terms, you may stop using FlowMoney and close your account as described in the Suspension & Termination section.

These Terms are governed by the laws of Florida, United States, United States, without regard to conflict of law principles. You agree to the exclusive jurisdiction of the state and federal courts located in Florida, United States for any dispute arising from these Terms or your use of FlowMoney.

Any dispute that cannot be resolved informally will be resolved through binding arbitration inFlorida, United States, except for claims that may be brought in small claims court. You waive any right to participate in a class action lawsuit or class-wide arbitration.

If you have questions about these Terms, please contact us:

• Company: FlowMoney LLC
• Support: support@flowmoney.app
• Jurisdiction: Florida, United States
• Website: https://flowmoney.app