Terms of Service

FlowCFO is a sophisticated software-as-a-service (SaaS) platform designed for high-net-worth individuals to monitor, aggregate, and analyze complex financial portfolios. Our services include real-time data synchronization, automated tax-loss harvesting alerts, and AI-driven wealth projections.

We provide these tools "as is" and "as available." While we strive for 99.9% uptime, we do not guarantee uninterrupted service during maintenance windows or unforeseen technical disruptions.

Access to FlowCFO requires a valid account. You are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account. You must notify us immediately at [email protected] if you suspect any unauthorized access.

Accounts are for individual use and may not be shared, sold, or transferred without explicit written consent from FlowCFO management.

You agree not to use FlowCFO for any illegal or unauthorized purpose. Prohibited activities include but are not limited to:

• Attempting to reverse engineer the FlowCFO proprietary algorithms.
• Uploading malicious code or attempting to breach our security infrastructure.
• Using the platform to conduct money laundering or other fraudulent activities.
• Extracting data via automated "scraping" tools without API authorization.

FlowCFO aggregates data from third-party financial institutions. While we use industry-leading integration partners, we are not responsible for inaccuracies, delays, or omissions in the data provided by your banks, brokerages, or custodians.

Users are encouraged to cross-reference FlowCFO dashboards with official statements from their financial institutions before making significant investment decisions.

Our platform utilizes generative AI to provide summaries and predictive modeling. This content is for informational purposes only. AI outputs may contain hallucinations or mathematical errors. FlowCFO does not provide licensed investment, legal, or tax advice.

FlowCFO operates on a tier-based subscription model. Fees are billed in advance on a monthly or annual basis and are non-refundable except where required by law. We reserve the right to adjust pricing with 30 days' notice.

Failure to pay subscription fees may result in restricted access or suspension of your account services.

You may terminate your account at any time through the dashboard settings. FlowCFO reserves the right to suspend or terminate your account if we determine you have violated these Terms or if your actions pose a risk to the security or integrity of our systems.

These Terms shall be governed and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any dispute arising from these terms will be settled through binding arbitration in Wilmington, DE.