Last Updated: September 2026
By accessing or using FlowPay, you agree to these Terms of Service, the FlowPay Privacy Policy, and other applicable policies published through the platform. If you do not agree with these terms, you must discontinue use of FlowPay.
Users must be at least 18 years old and legally capable of entering into binding agreements. FlowPay may restrict access to users who are not eligible under applicable laws or regulatory requirements.
Users must provide accurate, complete, and current information when creating an account and must keep their account credentials secure. Users are responsible for activity conducted through their accounts, except where unauthorized activity results from circumstances outside their reasonable control.
FlowPay may require users to complete KYC identity verification and provide additional information or documentation before accessing certain services.
Users must comply with applicable laws, regulations, sanctions requirements, anti-money laundering requirements, fraud-prevention controls, and FlowPay compliance procedures.
Depending on availability, eligibility, jurisdiction, and applicable compliance requirements, FlowPay may provide financial technology services including:
Not every service is available to every user or in every jurisdiction. FlowPay may limit or discontinue specific services where required by law, regulation, compliance requirements, security considerations, or third-party service availability.
Deposits, withdrawals, and transfers are subject to applicable processing procedures, transaction limits, verification requirements, fees, compliance reviews, and the availability of third-party payment providers.
Processing times may vary. A transaction may be delayed, rejected, reversed, or placed under review where necessary for security, compliance, fraud prevention, technical, or legal reasons.
Where cryptocurrency services are available, transactions may be processed through third-party blockchain and payment infrastructure. Blockchain transactions may be irreversible once confirmed.
Users are responsible for providing correct destination information and complying with applicable laws and restrictions relating to cryptocurrency transactions.
FlowPay may charge fees for certain services. Applicable fees may be displayed before or during a transaction and may vary according to the service, transaction type, payment provider, currency, or other applicable conditions.
Users are responsible for reviewing applicable fees before confirming a transaction.
Payment links and virtual card services are subject to eligibility, provider availability, transaction limits, verification requirements, and applicable fees.
FlowPay may restrict or suspend these services where necessary for fraud prevention, security, compliance, or legal reasons.
Users may not use FlowPay for:
FlowPay may monitor transactions and account activity for fraud, suspicious activity, security risks, sanctions concerns, and other compliance purposes.
FlowPay may request additional information, delay transactions, impose restrictions, or take other appropriate action when required to protect users, the platform, payment providers, or the financial system.
FlowPay may suspend, restrict, or terminate an account where permitted by law, including where there is suspected fraud, prohibited activity, security risk, violation of these Terms, failure to satisfy compliance requirements, or a legal or regulatory requirement.
Certain FlowPay services may depend on third-party payment processors, financial institutions, identity verification providers, blockchain infrastructure, card providers, or other service providers.
Third-party services may be subject to separate terms, conditions, availability requirements, and processing times.
Users should promptly report suspected unauthorized transactions, account compromise, incorrect transaction information, or other security incidents through FlowPay support channels.
FlowPay may investigate reported incidents and take appropriate action in accordance with applicable law, provider rules, and internal procedures.
FlowPay services are provided subject to availability. Services may occasionally be unavailable or interrupted because of maintenance, technical problems, security incidents, third-party provider interruptions, or circumstances beyond FlowPay's reasonable control.
To the maximum extent permitted by applicable law, FlowPay shall not be liable for indirect, incidental, special, or consequential damages arising from the use or inability to use the platform.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
FlowPay may update these Terms of Service from time to time. Updated terms will be published through the FlowPay platform with a revised "Last Updated" date.
Questions regarding these Terms, FlowPay services, or account matters may be submitted through the official FlowPay support channels.
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