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// Regenerate with scripts/build-legal-content.py when counsel revises copy.
import type {LegalDocument} from './types';
export const disclaimer: LegalDocument = {
"slug": "disclaimer",
"title": "Financial Services Disclaimer",
"version": "1.0",
"effectiveDate": "July 7, 2026",
"lastUpdated": "July 7, 2026",
"blocks": [
{
"type": "heading",
"level": 1,
"text": "1. PURPOSE AND SCOPE"
},
{
"type": "heading",
"level": 2,
"text": "1.1 Purpose of This Disclaimer"
},
{
"type": "p",
"text": "This Financial Services Disclaimer explains the general nature of the information, tools, resources, and services that may be made available by FlowState through its website, online platform, communications, educational materials, business development materials, onboarding workflows, and related channels."
},
{
"type": "p",
"text": "This Disclaimer is intended to clarify what FlowState is, what FlowState is not, and the limitations that apply to any information or services made available through FlowState. This Disclaimer should be read together with FlowState's Terms of Use, Privacy Policy, Cookie Policy, Security & Data Protection Statement, Banking Partner Disclosure, Risk Disclosure, product-specific agreements, and any other applicable disclosures or agreements."
},
{
"type": "heading",
"level": 2,
"text": "1.2 Application"
},
{
"type": "p",
"text": "This Disclaimer applies to all visitors, prospective customers, applicants, business customers, authorized users, counterparties, referral sources, partners, and other persons or entities that access or use FlowState's website, platform, content, communications, or services."
},
{
"type": "p",
"text": "To the extent a specific product agreement, account agreement, loan document, partner bank disclosure, treasury services agreement, or other written agreement contains more specific terms, that specific agreement will control solely with respect to the product, service, transaction, or relationship covered by that agreement."
},
{
"type": "heading",
"level": 1,
"text": "2. FLOWSTATE BUSINESS MODEL AND REGULATORY POSITIONING"
},
{
"type": "heading",
"level": 2,
"text": "2.1 General Description of FlowState"
},
{
"type": "p",
"text": "FlowState is intended to operate as a business-focused treasury management and financial technology platform. FlowState may provide digital tools, workflows, educational content, administrative support, onboarding support, document collection, data organization, business liquidity analysis, cash management education, and access to services that may be offered by banks, trust companies, custodians, lenders, payment processors, or other third-party providers."
},
{
"type": "p",
"text": "FlowState's role may vary by product or service. Depending on the context, FlowState may act as a technology provider, platform operator, administrative service provider, program manager, referral source, customer interface, treasury workflow provider, data organizer, or service coordinator. FlowState's role should always be determined by the applicable written agreements and legally approved disclosures."
},
{
"type": "heading",
"level": 2,
"text": "2.2 No Assumption of Regulated Status Without Express Disclosure"
},
{
"type": "p",
"text": "Unless expressly stated in a final, legally approved disclosure or agreement, FlowState does not represent that it is licensed, registered, chartered, or approved as a bank, trust company, broker-dealer, investment adviser, investment company, commodity trading advisor, commodity pool operator, insurance company, law firm, accounting firm, consumer lender, money transmitter, or other regulated financial institution."
},
{
"type": "p",
"text": "If FlowState or an affiliate later obtains a license, registration, charter, exemption, agency appointment, or other regulatory authorization, the existence, scope, and limits of that status should be described only in final disclosures approved by counsel."
},
{
"type": "heading",
"level": 1,
"text": "3. TREASURY MANAGEMENT PLATFORM DISCLAIMER"
},
{
"type": "heading",
"level": 2,
"text": "3.1 Treasury Tools and Workflows"
},
{
"type": "p",
"text": "FlowState may provide tools and resources intended to help business customers evaluate, organize, and manage aspects of business treasury operations. These may include cash organization workflows, liquidity planning tools, treasury education, account onboarding support, document collection, reporting tools, data dashboards, business cash visibility, collateral analysis support, and workflow automation."
},
{
"type": "p",
"text": "These tools are provided for general business, operational, administrative, and informational purposes. They do not constitute individualized legal, tax, accounting, investment, fiduciary, or regulatory advice."
},
{
"type": "heading",
"level": 2,
"text": "3.2 No Guarantee of Treasury Outcome"
},
{
"type": "p",
"text": "FlowState does not guarantee that use of its treasury tools or platform will result in improved cash flow, reduced expense, higher yield, reduced risk, better liquidity, financing approval, regulatory compliance, tax benefits, or any other financial or business result."
},
{
"type": "p",
"text": "Treasury outcomes depend on numerous factors outside FlowState's control, including banking partner requirements, market conditions, interest rates, customer decisions, account eligibility, liquidity conditions, transaction activity, legal requirements, business performance, collateral values, third-party performance, and operational constraints."
},
{
"type": "heading",
"level": 1,
"text": "4. FINANCIAL TECHNOLOGY COMPANY DISCLAIMER"
},
{
"type": "heading",
"level": 2,
"text": "4.1 Technology and Administrative Role"
},
{
"type": "p",
"text": "FlowState is a financial technology company. FlowState may make certain financial workflows more efficient by providing software, digital interfaces, data collection, business logic, workflow automation, reporting, communication tools, and access pathways to third-party financial services providers."
},
{
"type": "p",
"text": "Financial technology services are not the same as regulated banking services. Unless expressly stated in a product-specific agreement, FlowState does not itself hold deposits, custody customer funds, issue deposit products, originate bank accounts, make credit decisions on behalf of a bank, or provide FDIC insurance."
},
{
"type": "heading",
"level": 2,
"text": "4.2 Platform Availability and Functionality"
},
{
"type": "p",
"text": "Platform features may change over time. FlowState may add, modify, suspend, discontinue, or replace functionality as business needs, partner requirements, technology, legal obligations, security conditions, or regulatory expectations evolve. No user should rely on the continued availability of any particular feature unless expressly provided in a binding written agreement."
},
{
"type": "heading",
"level": 1,
"text": "5. BANKING STATUS AND PARTNER INSTITUTION DISCLAIMER"
},
{
"type": "heading",
"level": 2,
"text": "5.1 FlowState Is Not a Bank Unless and Until Applicable"
},
{
"type": "p",
"text": "Unless expressly stated otherwise in final legally approved disclosures, FlowState is not a bank, depository institution, credit union, trust company, FDIC-insured institution, Federal Reserve member bank, or chartered financial institution. FlowState does not itself provide deposit insurance or guarantee the safety of funds held by third parties."
},
{
"type": "p",
"text": "Any references to banking, treasury, deposits, accounts, cash management, sweep services, custody, payments, lending, or similar services should be understood in the context of FlowState's technology, workflow, and partner-enabled business model, unless a specific legally approved disclosure states otherwise."
},
{
"type": "heading",
"level": 2,
"text": "5.2 Banking Partner Services"
},
{
"type": "p",
"text": "Certain services may be provided by partner banks, trust companies, custodians, payment processors, lenders, loan servicers, or other third-party financial institutions. Such third-party services may be subject to separate agreements, disclosures, eligibility requirements, fees, limitations, account terms, approval processes, and regulatory obligations."
},
{
"type": "p",
"text": "FlowState does not control final decisions made by partner financial institutions, including decisions related to account opening, account closure, transaction processing, deposit insurance coverage, payment timing, lending approval, credit limits, collateral requirements, interest rates, underwriting standards, account holds, compliance reviews, or transaction restrictions."
},
{
"type": "heading",
"level": 2,
"text": "5.3 FDIC and Deposit Insurance Disclaimer"
},
{
"type": "p",
"text": "FlowState is not an FDIC-insured institution. If deposit products are made available through partner financial institutions, deposit insurance, if any, is provided only by the applicable insured depository institution and only to the extent available under applicable law and account structure. Deposit insurance coverage is subject to applicable limits, ownership categories, eligibility requirements, aggregation rules, and the records of the applicable institution."
},
{
"type": "p",
"text": "No statement by FlowState should be interpreted as a guarantee of FDIC insurance, deposit coverage, account safety, or availability of funds. Customers should review the applicable partner bank agreements and disclosures and consult appropriate advisors regarding deposit insurance treatment."
},
{
"type": "heading",
"level": 1,
"text": "6. NO LEGAL, TAX, ACCOUNTING, OR REGULATORY ADVICE"
},
{
"type": "heading",
"level": 2,
"text": "6.1 No Legal Advice"
},
{
"type": "p",
"text": "FlowState does not provide legal advice and is not a law firm. Nothing on the website, platform, in communications, or in any FlowState materials should be construed as legal advice, legal opinion, regulatory opinion, or a recommendation regarding the legal consequences of any business decision, transaction, account, loan, investment, entity structure, or treasury strategy."
},
{
"type": "heading",
"level": 2,
"text": "6.2 No Tax or Accounting Advice"
},
{
"type": "p",
"text": "FlowState does not provide tax or accounting advice and is not a public accounting firm. Information regarding interest, fees, cash management, borrowing, lending, investments, account structures, collateral, income, expenses, deposits, or transactions should not be relied upon for tax reporting, accounting treatment, financial statement presentation, audit support, or regulatory reporting."
},
{
"type": "heading",
"level": 2,
"text": "6.3 No Regulatory Advice"
},
{
"type": "p",
"text": "FlowState does not provide regulatory advice regarding banking, lending, securities, commodities, investment advisory, broker-dealer, money transmission, consumer finance, commercial finance disclosure, privacy, data security, anti-money laundering, sanctions, tax, or other regulatory matters. Business customers are responsible for determining their own legal and regulatory obligations."
},
{
"type": "heading",
"level": 1,
"text": "7. NO INVESTMENT ADVICE OR SECURITIES OFFERING"
},
{
"type": "heading",
"level": 2,
"text": "7.1 No Investment Advice"
},
{
"type": "p",
"text": "Unless expressly stated in a separate written agreement with a properly authorized entity, FlowState does not provide investment advice, fiduciary advice, financial planning advice, portfolio management, securities recommendations, or advice regarding the purchase, sale, or holding of any security, investment product, fund interest, note, preferred equity, partnership interest, membership interest, commodity interest, digital asset, or other financial instrument."
},
{
"type": "heading",
"level": 2,
"text": "7.2 No Securities Offering"
},
{
"type": "p",
"text": "Nothing on the FlowState website, platform, or in general communications constitutes an offer to sell, solicitation of an offer to buy, recommendation, or invitation to invest in any security or investment product. Any securities offering, if made, will be made only through definitive offering documents approved by counsel and only to eligible investors in compliance with applicable law."
},
{
"type": "p",
"text": "No person should make an investment decision based on website content, educational materials, summaries, conversations, marketing materials, illustrations, projections, or preliminary information unless those materials are expressly part of final legally approved offering documents."
},
{
"type": "heading",
"level": 1,
"text": "8. NO GUARANTEE OF FINANCING, CREDIT APPROVAL, OR LIQUIDITY"
},
{
"type": "heading",
"level": 2,
"text": "8.1 No Financing Commitment"
},
{
"type": "p",
"text": "FlowState does not guarantee that any customer will receive financing, credit approval, a loan, line of credit, account approval, borrowing capacity, collateral advance, interest rate, repayment term, loan-to-value ratio, or other financing outcome. Any financing-related information, estimate, prequalification, borrowing capacity analysis, collateral review, or term discussion is non-binding unless set forth in a definitive written agreement executed by the applicable lender."
},
{
"type": "heading",
"level": 2,
"text": "8.2 Underwriting and Partner Approval"
},
{
"type": "p",
"text": "Business-purpose financing, if available, may be subject to underwriting, due diligence, collateral review, eligibility criteria, documentation, business purpose certifications, customer identification, beneficial ownership verification, sanctions screening, credit review, financial review, partner approval, legal compliance, and final executed loan documents."
},
{
"type": "heading",
"level": 2,
"text": "8.3 Liquidity Risk"
},
{
"type": "p",
"text": "FlowState does not guarantee that liquidity will be available when needed. Liquidity may be affected by market conditions, business performance, partner bank policies, credit conditions, collateral values, underwriting standards, legal restrictions, compliance reviews, transaction timing, operational outages, account restrictions, and other factors outside FlowState's control."
},
{
"type": "heading",
"level": 1,
"text": "9. NO GUARANTEE OF RETURNS, YIELD, OR PERFORMANCE"
},
{
"type": "heading",
"level": 2,
"text": "9.1 No Guaranteed Returns"
},
{
"type": "p",
"text": "FlowState does not guarantee any return, yield, profit, savings, appreciation, income, preferred return, investment result, account performance, treasury outcome, business result, or financial benefit. Past performance, historical examples, target returns, assumed yields, model outputs, hypothetical illustrations, projected outcomes, and case studies are not guarantees and may not be indicative of future results."
},
{
"type": "heading",
"level": 2,
"text": "9.2 Hypothetical and Illustrative Information"
},
{
"type": "p",
"text": "Any examples, illustrations, calculators, models, projections, scenarios, market commentary, or assumptions provided by FlowState are for general informational purposes only. They may rely on assumptions, estimates, third-party data, incomplete information, or customer-provided inputs. Actual results may differ materially and may be worse than illustrated."
},
{
"type": "heading",
"level": 2,
"text": "9.3 Market and Rate Risk"
},
{
"type": "p",
"text": "Financial outcomes may be affected by changes in interest rates, credit conditions, collateral values, market liquidity, inflation, business conditions, counterparty performance, regulatory requirements, tax rules, banking partner policies, operational disruptions, and broader economic or market conditions."
},
{
"type": "heading",
"level": 1,
"text": "10. BUSINESS-PURPOSE USE AND CUSTOMER RESPONSIBILITY"
},
{
"type": "heading",
"level": 2,
"text": "10.1 Business-Purpose Platform"
},
{
"type": "p",
"text": "Unless expressly stated otherwise in a final legally approved agreement, FlowState's platform and services are intended for business, commercial, treasury, institutional, and organizational purposes only. They are not intended for personal, family, household, or consumer use."
},
{
"type": "heading",
"level": 2,
"text": "10.2 Customer Responsibility"
},
{
"type": "p",
"text": "Each customer is solely responsible for determining whether any FlowState service, partner service, account, treasury strategy, financing arrangement, transaction, or business decision is appropriate for its circumstances. Customers are responsible for reviewing all agreements, disclosures, fees, risks, eligibility requirements, tax consequences, accounting consequences, legal requirements, and operational obligations before proceeding."
},
{
"type": "heading",
"level": 2,
"text": "10.3 Accuracy of Information"
},
{
"type": "p",
"text": "FlowState and its partners may rely on information provided by customers. Customers are responsible for ensuring that all submitted information, documents, certifications, beneficial ownership information, financial statements, business-purpose certifications, and transaction details are accurate, complete, current, and not misleading."
},
{
"type": "heading",
"level": 1,
"text": "11. PROFESSIONAL ADVISOR CONSULTATION"
},
{
"type": "p",
"text": "Before using FlowState services, opening accounts, applying for financing, pledging collateral, entering into treasury arrangements, making investment decisions, or relying on any FlowState content, customers should consult their own attorneys, tax advisors, accountants, auditors, investment advisers, financial professionals, compliance professionals, insurance professionals, and other advisors."
},
{
"type": "p",
"text": "FlowState is entitled to assume that customers are sophisticated business users capable of evaluating business, treasury, credit, operational, and financial risks and that customers have consulted professional advisors as they deem appropriate."
},
{
"type": "heading",
"level": 1,
"text": "12. THIRD-PARTY PROVIDERS AND EXTERNAL INFORMATION"
},
{
"type": "heading",
"level": 2,
"text": "12.1 Third-Party Providers"
},
{
"type": "p",
"text": "FlowState may integrate with, refer to, receive data from, transmit information to, or coordinate with third-party providers, including banks, custodians, lenders, payment processors, loan servicers, data providers, analytics providers, identity verification providers, compliance vendors, cybersecurity vendors, CRM platforms, and software providers."
},
{
"type": "p",
"text": "Third-party products and services are governed by the terms, policies, disclosures, and practices of the applicable third party. FlowState is not responsible for third-party decisions, outages, errors, omissions, delays, security incidents, fees, policies, or performance except to the extent expressly stated in a binding written agreement."
},
{
"type": "heading",
"level": 2,
"text": "12.2 External Information"
},
{
"type": "p",
"text": "FlowState may use or display information obtained from third parties, public sources, market data providers, customer-provided materials, or business databases. FlowState does not guarantee that third-party information is accurate, complete, current, reliable, available, or suitable for any particular purpose."
},
{
"type": "heading",
"level": 1,
"text": "13. WEBSITE CONTENT, ILLUSTRATIONS, AND FORWARD-LOOKING INFORMATION"
},
{
"type": "heading",
"level": 2,
"text": "13.1 Educational Content"
},
{
"type": "p",
"text": "Website content, articles, guides, market commentary, models, examples, videos, webinars, newsletters, summaries, pitch materials, and related communications are provided for general informational and educational purposes only. They should not be relied upon as professional advice or as the sole basis for any financial or business decision."
},
{
"type": "heading",
"level": 2,
"text": "13.2 Forward-Looking Statements"
},
{
"type": "p",
"text": "Some materials may contain forward-looking statements, expectations, assumptions, targets, plans, objectives, opportunities, projections, or hypothetical scenarios. Forward-looking statements are inherently uncertain and may be affected by risks and assumptions that are difficult to predict. Actual outcomes may differ materially from any forward-looking statement."
},
{
"type": "heading",
"level": 2,
"text": "13.3 No Reliance"
},
{
"type": "p",
"text": "Customers and website visitors should not rely on general FlowState content as a promise, guarantee, commitment, recommendation, fiduciary undertaking, credit approval, investment advice, tax advice, legal advice, or assurance of any particular outcome."
},
{
"type": "heading",
"level": 1,
"text": "14. LIMITATIONS AND UPDATES"
},
{
"type": "heading",
"level": 2,
"text": "14.1 Updates to This Disclaimer"
},
{
"type": "p",
"text": "FlowState may update this Financial Services Disclaimer from time to time. Updates may reflect changes in FlowState's services, regulatory status, partner relationships, platform functionality, legal requirements, business model, risk policies, or other considerations."
},
{
"type": "heading",
"level": 2,
"text": "14.2 No Waiver of Non-Waivable Rights"
},
{
"type": "p",
"text": "Nothing in this Disclaimer is intended to limit rights, remedies, disclosures, obligations, or protections that cannot be waived or limited under applicable law. If any provision is determined to be unenforceable, it should be interpreted to apply to the maximum extent permitted by law."
},
{
"type": "heading",
"level": 1,
"text": "15. CONTACT INFORMATION"
},
{
"type": "p",
"text": "Questions regarding this Financial Services Disclaimer may be directed to:"
},
{
"type": "p",
"text": "Flow State Capital LLC\nAttn: Privacy / Legal Department\n383 W Lakeview Rd\nLindon UT 84042\nadmin@flowstatecapital.ai\nflowstatecapital.ai"
}
]
};
|