Terms of service

1. Acceptance of terms

By accessing or using Flow Finance (the "Site"), you (the "User") agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not use the Site.

2. Changes to the terms

Flow Finance reserves the right, at its sole discretion, to modify or replace these Terms at any time. It is your responsibility to periodically review these Terms. Continued use of the Site after any changes constitutes acceptance of those changes.

3. Scope of services

Flow Finance provides general information and educational content about personal finance and related topics. The information on this Site is intended for a broad audience and does not consider specific personal circumstances.

• No client-relationship: No professional advisory or fiduciary relationship is formed by your use of the Site.
• No guarantee: We do not guarantee the accuracy, completeness, or usefulness of any information on the Site.

4. No financial advice

All content on this Site is provided for informational and educational purposes only and does not constitute financial, legal, investment, or other professional advice. Users should seek the assistance of a qualified financial advisor or other professional if they require advice tailored to their individual circumstances.

Disclaimer: Flow Finance expressly disclaims any and all liability in connection with actions taken or not taken based on any information on this Site.

For any personalised advice, you should consult a qualified financial advisor, accountant, solicitor, or other relevant professional.

5. User responsibilities

You are responsible for your own use of the Site and for any decisions you make based on the content provided. You agree to:

• Use the Site in compliance with all applicable laws and regulations.
• Evaluate any information or content on the Site before relying on it.
• Exercise caution and perform your own due diligence before making any financial decision.

6. External links

The Site may contain links to third-party websites or resources. These links are provided for convenience and informational purposes only. Flow Finance does not endorse, and is not responsible for, any third-party content, products, services, or their data handling practices. Use such links at your own risk.

7. Disclaimer of warranties

The Site, including all content and services provided, is offered on an "as is" and "as available" basis. Flow Finance makes no representations or warranties of any kind, either express or implied, including but not limited to:

• The availability, accuracy, reliability, or completeness of any content on this Site.
• The fitness of any content for a particular purpose.
• Non-infringement of third-party rights.

No advice or information obtained by you from this Site, whether oral or written, shall create any warranty not expressly stated herein.

8. Limitation of liability

To the maximum extent permitted by law, Flow Finance shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your access to, use of, or inability to use the Site or any content therein. This includes, without limitation, damages for loss of profits, goodwill, data, or other intangible losses.

9. Indemnification

You agree to indemnify, defend, and hold harmless Flow Finance and its affiliates, and their respective members from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including legal fees) resulting from or arising out of your use of the Site, violation of these Terms, or infringement of any third-party right.

10. Governing law and jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the English courts.

11. Termination

Flow Finance reserves the right, in its sole discretion, to terminate or suspend access to the Site, or any portion thereof, without notice and for any reason, including violation of these Terms.

12. Severability

If any provision of these Terms is deemed invalid or unenforceable under applicable law, that provision will be enforced to the maximum extent permissible, and the remaining provisions of these Terms will remain in full force and effect.

13. Entire agreement

These Terms constitute the entire agreement between you and Flow Finance regarding the use of the Site, superseding any prior agreements between you and Flow Finance related to the subject matter herein.