Legal · Terms
Last updated: April 1, 2026. These terms govern access to and use of Flow's website, dashboard, APIs, and products.
By accessing or using Flow, you (“Customer”) agree to these Terms of Service and any product-specific agreements we reference here. If you use Flow on behalf of an organization, you represent that you have authority to bind that organization.
Flow is a business-to-business platform. You must be at least 18 years old, represent a legally incorporated business entity, and pass our KYB and sanctions-screening process. We reserve the right to decline or terminate service for any reason consistent with our regulatory obligations.
Flow provides regulated stablecoin payment infrastructure including transfer execution, payout routing, custody, issuance, vaults, and related APIs. The specific products you use are governed by the order form or click-through agreement accepted at onboarding.
You are responsible for: (a) safeguarding your API keys and credentials; (b) the legality of transactions you initiate; (c) maintaining accurate KYB and beneficial-ownership records; (d) complying with sanctions, AML, and tax laws in every jurisdiction where you operate; and (e) your own customers' identity verification where applicable.
Fees are set out in your order form. Unless otherwise agreed, invoices are issued monthly in arrears and payable within 15 days. Overdue amounts accrue interest at 1% per month or the maximum permitted by law.
We may suspend or terminate service immediately if required by law, if we detect fraud, sanctions exposure, or material security risk, or if you breach these terms. Either party may terminate for convenience on 30 days' written notice.
We warrant that we will provide the service with reasonable care and skill consistent with industry standards and our published SLA. To the maximum extent permitted by law, all other warranties — express or implied — are disclaimed.
Except for claims arising from either party's indemnification obligations, gross negligence, or willful misconduct, each party's total liability under these terms is capped at the fees paid in the 12 months preceding the claim. Neither party is liable for indirect, consequential, or punitive damages.
Each party will indemnify the other against third-party claims arising from its breach of these terms, infringement of intellectual property, or violation of applicable law.
These terms are governed by the laws of the State of New York, without regard to conflict-of-laws principles. Disputes are resolved by binding arbitration in New York, NY, under the commercial rules of the American Arbitration Association.
We may update these terms from time to time. Material changes will be announced at least 30 days in advance via email and the dashboard. Continued use of the service after the effective date constitutes acceptance.
Questions about these terms? Contact us.