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2621 2622 2623 2624 2625 2626 2627 2628 2629 2630 2631 2632 2633 2634 2635 2636 2637 2638 2639 2640 2641 2642 2643 2644 2645 2646 2647 2648 2649 | 3x | // terms.ts — GENERATED from docs/site-text/. Do not hand-edit.
// Regenerate with scripts/build-legal-content.py when counsel revises copy.
import type {LegalDocument} from './types';
export const terms: LegalDocument = {
"slug": "terms",
"title": "Terms of Use",
"version": "1.0",
"effectiveDate": "July 7, 2026",
"lastUpdated": "July 7, 2026",
"blocks": [
{
"type": "heading",
"level": 1,
"text": "1. ACCEPTANCE OF TERMS"
},
{
"type": "heading",
"level": 2,
"text": "1.1 Agreement to Terms"
},
{
"type": "p",
"text": "These Terms govern your access to and use of the Website, Platform, Content, and Services made available by FlowState. By accessing or using the Website, creating an Account, submitting information, requesting information about Services, applying for any Service, or otherwise interacting with FlowState through the Website or Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms."
},
{
"type": "p",
"text": "If you are accessing or using the Platform or Services on behalf of a Business Customer, you represent and warrant that you have full legal authority to bind that Business Customer. References to \"you\" and \"your\" include both you individually and the Business Customer on whose behalf you are acting."
},
{
"type": "p",
"text": "If you do not agree to these Terms, you must not access or use the Website, Platform, Content, or Services."
},
{
"type": "heading",
"level": 2,
"text": "1.2 Additional Terms and Product Agreements"
},
{
"type": "p",
"text": "Certain Services may be subject to additional Product Agreements, disclosures, schedules, partner terms, account agreements, lending agreements, treasury services agreements, fee schedules, electronic communications consents, privacy notices, risk disclosures, or other terms and conditions. Those additional terms are incorporated by reference to the extent applicable."
},
{
"type": "p",
"text": "Examples include treasury disclosures, business lending disclosures, collateral agreements, account-opening documentation, Banking Partner agreements, payment terms, ACH or wire authorizations, E-SIGN consent, due diligence notices, privacy notices, risk disclosures, fee schedules, and product-specific eligibility requirements."
},
{
"type": "p",
"text": "If there is a conflict between these Terms and a Product Agreement, the Product Agreement will control solely with respect to the specific Service, account, transaction, or product covered by that Product Agreement, unless the Product Agreement expressly states otherwise."
},
{
"type": "heading",
"level": 2,
"text": "1.3 Changes to These Terms"
},
{
"type": "p",
"text": "FlowState may modify, amend, supplement, or replace these Terms from time to time. FlowState may provide notice by posting revised Terms on the Website, providing notice through the Platform, sending an Electronic Communication, or using another method permitted by Applicable Law."
},
{
"type": "p",
"text": "Unless otherwise stated, updated Terms become effective when posted or otherwise made available. Your continued access to or use of the Website, Platform, Content, or Services after the effective date constitutes your acceptance of the updated Terms."
},
{
"type": "p",
"text": "If you do not agree to any updated Terms, you must stop using the Website, Platform, Content, and Services. Certain changes may require affirmative consent, acknowledgment, or execution of updated Product Agreements."
},
{
"type": "heading",
"level": 2,
"text": "1.4 Authority to Act on Behalf of a Business"
},
{
"type": "p",
"text": "If you access or use the Website, Platform, or Services on behalf of a Business Customer, you represent and warrant that you are at least eighteen years old, have authority to act on behalf of the Business Customer, and that the Business Customer is duly formed, validly existing, and in good standing where applicable."
},
{
"type": "p",
"text": "You further represent that your use is for a Business Purpose; your acceptance of these Terms does not violate any organizational document, agreement, law, fiduciary duty, court order, or other obligation; all information you provide is accurate, complete, current, and not misleading; and you will ensure that all Authorized Users comply with these Terms and Product Agreements."
},
{
"type": "p",
"text": "FlowState may require documentation or other evidence of authority, including organizational documents, resolutions, incumbency certificates, beneficial ownership information, tax identification information, identity verification materials, or other records reasonably requested by FlowState or a Partner Financial Institution."
},
{
"type": "heading",
"level": 2,
"text": "1.5 Relationship to Other Agreements"
},
{
"type": "p",
"text": "These Terms govern general access to and use of the Website, Platform, Content, and Services. They do not replace separate written agreements with FlowState, a Banking Partner, a Partner Financial Institution, or another Third-Party Provider for specific products or services."
},
{
"type": "p",
"text": "Deposit, custody, payment, lending, treasury, electronic signature, investment-related, and future regulated services may be governed by separate agreements, documents, disclosures, and supervisory requirements."
},
{
"type": "p",
"text": "Nothing in these Terms is intended to limit non-waivable rights, remedies, disclosures, regulatory requirements, fiduciary duties, consumer protections, investor protections, privacy rights, or other legal protections that cannot be limited or waived under Applicable Law."
},
{
"type": "heading",
"level": 1,
"text": "2. DEFINITIONS"
},
{
"type": "heading",
"level": 2,
"text": "2.1 Defined Terms"
},
{
"type": "p",
"text": "\"Account\" means a registered user account, administrative account, dashboard access, portal access, or other online account created or maintained by or on behalf of a User to access the Platform or Services."
},
{
"type": "p",
"text": "\"Applicable Law\" means all applicable federal, state, local, municipal, foreign, and international laws, statutes, regulations, ordinances, rules, regulatory guidance, orders, sanctions, and governmental requirements applicable to the relevant person, entity, transaction, Service, or activity."
},
{
"type": "p",
"text": "\"Authorized User\" means any employee, officer, director, manager, member, partner, contractor, representative, advisor, agent, administrator, or other person authorized by a Business Customer to access or use the Platform or Services on behalf of that Business Customer."
},
{
"type": "p",
"text": "\"Banking Partner\" or \"Partner Financial Institution\" means any bank, trust company, credit union, depository institution, broker-dealer, custodian, payment processor, lender, loan servicer, financial institution, or other regulated or licensed third party that may provide banking, custody, deposit, payment, lending, treasury, custodial, settlement, or related financial services in connection with or through the Platform."
},
{
"type": "p",
"text": "\"Business Customer\" means any company, limited liability company, corporation, partnership, trust, association, organization, sole proprietorship, family office, fund, investment vehicle, or other commercial or legal entity that accesses or uses the Platform or Services for business, commercial, treasury, operational, investment, or institutional purposes."
},
{
"type": "p",
"text": "\"Business Purpose\" means a bona fide commercial, business, investment, treasury, institutional, or organizational purpose, and not a personal, family, household, consumer, or individual purpose."
},
{
"type": "p",
"text": "\"Content\" means all text, data, graphics, images, designs, logos, icons, photographs, audio, video, software, code, dashboards, workflows, reports, documents, templates, articles, educational materials, market commentary, charts, tools, calculators, forms, interfaces, and other materials made available through the Website, Platform, or Services."
},
{
"type": "p",
"text": "\"Customer Data\" means information, data, documents, records, files, transaction information, financial information, business information, account information, ownership information, identity information, or other materials submitted, uploaded, transmitted, provided, or otherwise made available to FlowState by or on behalf of a User or Business Customer."
},
{
"type": "p",
"text": "\"FlowState,\" \"Company,\" \"we,\" \"us,\" or \"our\" means FlowState Flow State Capital LLC, together with its affiliates, successors, assigns, officers, directors, managers, employees, contractors, representatives, and agents, as applicable."
},
{
"type": "p",
"text": "\"Platform\" means the FlowState website, application, portal, dashboard, online tools, technology platform, user interface, digital infrastructure, communication systems, data rooms, document collection systems, account-opening systems, and related technology made available by or on behalf of FlowState."
},
{
"type": "p",
"text": "\"Product Agreement\" means any separate agreement, disclosure, schedule, account agreement, lending agreement, treasury services agreement, electronic communications consent, application, authorization, order form, partner agreement, or product-specific terms applicable to a particular Service, Partner Service, account, transaction, or relationship."
},
{
"type": "p",
"text": "\"Services\" means the products, services, tools, resources, content, technology, support, functionality, and related offerings made available by FlowState, which may include treasury management tools, business-purpose liquidity tools, business-purpose lending support, partner banking access, account onboarding support, educational content, document collection, compliance support, reporting tools, and related services."
},
{
"type": "p",
"text": "\"Third-Party Provider\" means any third party, other than FlowState, that provides technology, banking, lending, custody, payments, verification, compliance, analytics, data, security, hosting, software, legal, accounting, advisory, administrative, or other services in connection with the Platform or Services."
},
{
"type": "p",
"text": "\"User,\" \"you,\" or \"your\" means any person or entity that accesses or uses the Website, Platform, Content, or Services, including any Business Customer, Authorized User, visitor, applicant, prospective customer, customer, representative, or other user."
},
{
"type": "p",
"text": "\"Website\" means any website, webpage, landing page, domain, subdomain, or online property owned, operated, controlled, or made available by or on behalf of FlowState, including any website located at flowstatecapital.ai and any successor or related website."
},
{
"type": "heading",
"level": 2,
"text": "2.2 Interpretation"
},
{
"type": "p",
"text": "References to \"including\" mean \"including without limitation.\" References to the singular include the plural and references to the plural include the singular."
},
{
"type": "p",
"text": "References to a \"person\" include an individual, corporation, limited liability company, partnership, trust, association, governmental authority, or other legal entity. Headings are included for convenience only and do not affect interpretation."
},
{
"type": "p",
"text": "Any obligation of a Business Customer applies equally to its Authorized Users, representatives, agents, and persons acting on its behalf. Any consent, authorization, representation, warranty, or agreement provided by an Authorized User is deemed provided on behalf of the Business Customer represented by such Authorized User to the extent permitted by Applicable Law."
},
{
"type": "heading",
"level": 1,
"text": "3. ELIGIBILITY AND PERMITTED USERS"
},
{
"type": "heading",
"level": 2,
"text": "3.1 Business Use Only"
},
{
"type": "p",
"text": "This Section addresses business use only in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "3.2 Eligibility Requirements"
},
{
"type": "p",
"text": "This Section addresses eligibility requirements in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "3.3 Prohibited Users"
},
{
"type": "p",
"text": "This Section addresses prohibited users in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You may not use the Platform or Services for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, bribery, corruption, tax evasion, illegal gambling, unlicensed money transmission, deceptive investment schemes, unsupported virtual asset activity, prohibited precious metals or cross-border trade activity, or any activity that FlowState determines creates unacceptable legal, regulatory, credit, compliance, cybersecurity, operational, fraud, reputational, or sanctions risk."
},
{
"type": "p",
"text": "FlowState may deny, delay, restrict, suspend, terminate, block, reverse, or report activity if FlowState determines that such action is appropriate or required for compliance, risk management, legal, regulatory, fraud-prevention, sanctions, security, or operational reasons."
},
{
"type": "heading",
"level": 2,
"text": "3.4 Geographic Limitations"
},
{
"type": "p",
"text": "This Section addresses geographic limitations in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "3.5 Responsibility for Authorized Users"
},
{
"type": "p",
"text": "This Section addresses responsibility for authorized users in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "4. USER ACCOUNTS AND PLATFORM ACCESS"
},
{
"type": "heading",
"level": 2,
"text": "4.1 Account Registration"
},
{
"type": "p",
"text": "This Section addresses account registration in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "4.2 Accuracy of Information"
},
{
"type": "p",
"text": "This Section addresses accuracy of information in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "4.3 Account Credentials"
},
{
"type": "p",
"text": "This Section addresses account credentials in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "4.4 Administrator and Authorized User Access"
},
{
"type": "p",
"text": "This Section addresses administrator and authorized user access in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "4.5 Security of Accounts"
},
{
"type": "p",
"text": "This Section addresses security of accounts in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You are responsible for safeguarding credentials, devices, email systems, payment instructions, Authorized User permissions, authentication methods, and internal approval procedures. You must promptly notify FlowState of suspected unauthorized access, credential compromise, phishing, business email compromise, malware, identity theft, fraud, or any security incident affecting your Account or use of the Platform."
},
{
"type": "p",
"text": "No website, platform, system, network, database, transmission, or storage method is completely secure. FlowState does not guarantee that unauthorized access, cyberattacks, data loss, system failures, security incidents, errors, interruptions, or other events will not occur."
},
{
"type": "heading",
"level": 2,
"text": "4.6 Suspension or Restriction of Access"
},
{
"type": "p",
"text": "This Section addresses suspension or restriction of access in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "5. DESCRIPTION OF FLOWSTATE SERVICES"
},
{
"type": "heading",
"level": 2,
"text": "5.1 General Description"
},
{
"type": "p",
"text": "This Section addresses general description in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "5.2 Technology Platform Services"
},
{
"type": "p",
"text": "This Section addresses technology platform services in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "5.3 Treasury Management Tools"
},
{
"type": "p",
"text": "This Section addresses treasury management tools in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "5.4 Business-Purpose Lending Support"
},
{
"type": "p",
"text": "This Section addresses business-purpose lending support in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "5.5 Partner Financial Institution Services"
},
{
"type": "p",
"text": "This Section addresses partner financial institution services in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "Unless expressly stated otherwise in a Product Agreement, FlowState is not a bank, depository institution, FDIC-insured institution, trust company, custodian, broker-dealer, investment adviser, lender, money transmitter, or guarantor of any third-party obligation."
},
{
"type": "p",
"text": "Any deposit, custody, payment, lending, sweep, settlement, or similar regulated financial service may be provided by a Banking Partner or other Third-Party Provider and may be subject to separate agreements, disclosures, approval criteria, fees, restrictions, and regulatory requirements."
},
{
"type": "heading",
"level": 2,
"text": "5.6 Educational and Informational Content"
},
{
"type": "p",
"text": "This Section addresses educational and informational content in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "5.7 Services Not Provided by FlowState"
},
{
"type": "p",
"text": "This Section addresses services not provided by flowstate in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "6. FINANCIAL SERVICES DISCLAIMERS"
},
{
"type": "heading",
"level": 2,
"text": "6.1 FlowState Is Not a Bank"
},
{
"type": "p",
"text": "This Section addresses flowstate is not a bank in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "Unless expressly stated otherwise in a Product Agreement, FlowState is not a bank, depository institution, FDIC-insured institution, trust company, custodian, broker-dealer, investment adviser, lender, money transmitter, or guarantor of any third-party obligation."
},
{
"type": "p",
"text": "Any deposit, custody, payment, lending, sweep, settlement, or similar regulated financial service may be provided by a Banking Partner or other Third-Party Provider and may be subject to separate agreements, disclosures, approval criteria, fees, restrictions, and regulatory requirements."
},
{
"type": "heading",
"level": 2,
"text": "6.2 No Legal, Tax, Accounting, or Investment Advice"
},
{
"type": "p",
"text": "This Section addresses no legal, tax, accounting, or investment advice in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "6.3 No Offer of Securities"
},
{
"type": "p",
"text": "This Section addresses no offer of securities in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "6.4 No Guarantee of Credit, Financing, Returns, Yield, or Performance"
},
{
"type": "p",
"text": "This Section addresses no guarantee of credit, financing, returns, yield, or performance in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "6.5 Business-Purpose Use"
},
{
"type": "p",
"text": "This Section addresses business-purpose use in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "6.6 Reliance on Professional Advisors"
},
{
"type": "p",
"text": "This Section addresses reliance on professional advisors in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "7. PARTNER FINANCIAL INSTITUTIONS AND THIRD-PARTY PROVIDERS"
},
{
"type": "heading",
"level": 2,
"text": "7.1 Partner Financial Institution Relationships"
},
{
"type": "p",
"text": "This Section addresses partner financial institution relationships in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "Unless expressly stated otherwise in a Product Agreement, FlowState is not a bank, depository institution, FDIC-insured institution, trust company, custodian, broker-dealer, investment adviser, lender, money transmitter, or guarantor of any third-party obligation."
},
{
"type": "p",
"text": "Any deposit, custody, payment, lending, sweep, settlement, or similar regulated financial service may be provided by a Banking Partner or other Third-Party Provider and may be subject to separate agreements, disclosures, approval criteria, fees, restrictions, and regulatory requirements."
},
{
"type": "heading",
"level": 2,
"text": "7.2 Third-Party Services"
},
{
"type": "p",
"text": "This Section addresses third-party services in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "7.3 No Control Over Third Parties"
},
{
"type": "p",
"text": "This Section addresses no control over third parties in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "7.4 Third-Party Terms"
},
{
"type": "p",
"text": "This Section addresses third-party terms in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "7.5 Availability of Partner Services"
},
{
"type": "p",
"text": "This Section addresses availability of partner services in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "Unless expressly stated otherwise in a Product Agreement, FlowState is not a bank, depository institution, FDIC-insured institution, trust company, custodian, broker-dealer, investment adviser, lender, money transmitter, or guarantor of any third-party obligation."
},
{
"type": "p",
"text": "Any deposit, custody, payment, lending, sweep, settlement, or similar regulated financial service may be provided by a Banking Partner or other Third-Party Provider and may be subject to separate agreements, disclosures, approval criteria, fees, restrictions, and regulatory requirements."
},
{
"type": "heading",
"level": 1,
"text": "8. ACCEPTABLE USE"
},
{
"type": "heading",
"level": 2,
"text": "8.1 Permitted Use"
},
{
"type": "p",
"text": "This Section addresses permitted use in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "8.2 Prohibited Conduct"
},
{
"type": "p",
"text": "This Section addresses prohibited conduct in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You may not use the Platform or Services for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, bribery, corruption, tax evasion, illegal gambling, unlicensed money transmission, deceptive investment schemes, unsupported virtual asset activity, prohibited precious metals or cross-border trade activity, or any activity that FlowState determines creates unacceptable legal, regulatory, credit, compliance, cybersecurity, operational, fraud, reputational, or sanctions risk."
},
{
"type": "p",
"text": "FlowState may deny, delay, restrict, suspend, terminate, block, reverse, or report activity if FlowState determines that such action is appropriate or required for compliance, risk management, legal, regulatory, fraud-prevention, sanctions, security, or operational reasons."
},
{
"type": "heading",
"level": 2,
"text": "8.3 Prohibited Business Activities"
},
{
"type": "p",
"text": "This Section addresses prohibited business activities in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You may not use the Platform or Services for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, bribery, corruption, tax evasion, illegal gambling, unlicensed money transmission, deceptive investment schemes, unsupported virtual asset activity, prohibited precious metals or cross-border trade activity, or any activity that FlowState determines creates unacceptable legal, regulatory, credit, compliance, cybersecurity, operational, fraud, reputational, or sanctions risk."
},
{
"type": "p",
"text": "FlowState may deny, delay, restrict, suspend, terminate, block, reverse, or report activity if FlowState determines that such action is appropriate or required for compliance, risk management, legal, regulatory, fraud-prevention, sanctions, security, or operational reasons."
},
{
"type": "heading",
"level": 2,
"text": "8.4 Compliance with Laws"
},
{
"type": "p",
"text": "This Section addresses compliance with laws in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You may not use the Platform or Services for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, bribery, corruption, tax evasion, illegal gambling, unlicensed money transmission, deceptive investment schemes, unsupported virtual asset activity, prohibited precious metals or cross-border trade activity, or any activity that FlowState determines creates unacceptable legal, regulatory, credit, compliance, cybersecurity, operational, fraud, reputational, or sanctions risk."
},
{
"type": "p",
"text": "FlowState may deny, delay, restrict, suspend, terminate, block, reverse, or report activity if FlowState determines that such action is appropriate or required for compliance, risk management, legal, regulatory, fraud-prevention, sanctions, security, or operational reasons."
},
{
"type": "heading",
"level": 2,
"text": "8.5 Cooperation with Investigations"
},
{
"type": "p",
"text": "This Section addresses cooperation with investigations in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "8.6 Restrictions on Automated Access"
},
{
"type": "p",
"text": "This Section addresses restrictions on automated access in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "9. COMPLIANCE, IDENTITY VERIFICATION, AND DUE DILIGENCE"
},
{
"type": "heading",
"level": 2,
"text": "9.1 Customer Identification"
},
{
"type": "p",
"text": "This Section addresses customer identification in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "9.2 Beneficial Ownership Information"
},
{
"type": "p",
"text": "This Section addresses beneficial ownership information in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "9.3 Anti-Money Laundering and Sanctions Screening"
},
{
"type": "p",
"text": "This Section addresses anti-money laundering and sanctions screening in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You may not use the Platform or Services for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, bribery, corruption, tax evasion, illegal gambling, unlicensed money transmission, deceptive investment schemes, unsupported virtual asset activity, prohibited precious metals or cross-border trade activity, or any activity that FlowState determines creates unacceptable legal, regulatory, credit, compliance, cybersecurity, operational, fraud, reputational, or sanctions risk."
},
{
"type": "p",
"text": "FlowState may deny, delay, restrict, suspend, terminate, block, reverse, or report activity if FlowState determines that such action is appropriate or required for compliance, risk management, legal, regulatory, fraud-prevention, sanctions, security, or operational reasons."
},
{
"type": "heading",
"level": 2,
"text": "9.4 Source of Funds and Business Purpose"
},
{
"type": "p",
"text": "This Section addresses source of funds and business purpose in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "9.5 Ongoing Monitoring"
},
{
"type": "p",
"text": "This Section addresses ongoing monitoring in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "9.6 Refusal or Termination of Services"
},
{
"type": "p",
"text": "This Section addresses refusal or termination of services in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "10. INTELLECTUAL PROPERTY RIGHTS"
},
{
"type": "heading",
"level": 2,
"text": "10.1 Ownership of FlowState Materials"
},
{
"type": "p",
"text": "This Section addresses ownership of flowstate materials in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "10.2 Limited License to Use the Platform"
},
{
"type": "p",
"text": "This Section addresses limited license to use the platform in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "10.3 Trademarks and Branding"
},
{
"type": "p",
"text": "This Section addresses trademarks and branding in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "10.4 Feedback"
},
{
"type": "p",
"text": "This Section addresses feedback in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "10.5 Restrictions on Use"
},
{
"type": "p",
"text": "This Section addresses restrictions on use in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "11. USER CONTENT AND SUBMITTED INFORMATION"
},
{
"type": "heading",
"level": 2,
"text": "11.1 User Content"
},
{
"type": "p",
"text": "This Section addresses user content in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "11.2 License to User Content"
},
{
"type": "p",
"text": "This Section addresses license to user content in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "11.3 Responsibility for Submitted Information"
},
{
"type": "p",
"text": "This Section addresses responsibility for submitted information in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "11.4 No Confidential Relationship Through Website Submission"
},
{
"type": "p",
"text": "This Section addresses no confidential relationship through website submission in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "11.5 Recordkeeping"
},
{
"type": "p",
"text": "This Section addresses recordkeeping in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "12. PRIVACY AND DATA USE"
},
{
"type": "heading",
"level": 2,
"text": "12.1 Privacy Policy"
},
{
"type": "p",
"text": "This Section addresses privacy policy in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "12.2 Data Collection and Use"
},
{
"type": "p",
"text": "This Section addresses data collection and use in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "12.3 Business Information"
},
{
"type": "p",
"text": "This Section addresses business information in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "12.4 Consent to Verification and Data Sharing"
},
{
"type": "p",
"text": "This Section addresses consent to verification and data sharing in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "12.5 Aggregated and De-Identified Data"
},
{
"type": "p",
"text": "This Section addresses aggregated and de-identified data in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "13. ELECTRONIC COMMUNICATIONS AND E-SIGN CONSENT"
},
{
"type": "heading",
"level": 2,
"text": "13.1 Electronic Communications"
},
{
"type": "p",
"text": "This Section addresses electronic communications in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "13.2 Consent to Electronic Delivery"
},
{
"type": "p",
"text": "This Section addresses consent to electronic delivery in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "13.3 Hardware and Software Requirements"
},
{
"type": "p",
"text": "This Section addresses hardware and software requirements in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "13.4 Withdrawal of Consent"
},
{
"type": "p",
"text": "This Section addresses withdrawal of consent in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "13.5 Electronic Signatures"
},
{
"type": "p",
"text": "This Section addresses electronic signatures in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "14. SECURITY"
},
{
"type": "heading",
"level": 2,
"text": "14.1 Security Measures"
},
{
"type": "p",
"text": "This Section addresses security measures in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You are responsible for safeguarding credentials, devices, email systems, payment instructions, Authorized User permissions, authentication methods, and internal approval procedures. You must promptly notify FlowState of suspected unauthorized access, credential compromise, phishing, business email compromise, malware, identity theft, fraud, or any security incident affecting your Account or use of the Platform."
},
{
"type": "p",
"text": "No website, platform, system, network, database, transmission, or storage method is completely secure. FlowState does not guarantee that unauthorized access, cyberattacks, data loss, system failures, security incidents, errors, interruptions, or other events will not occur."
},
{
"type": "heading",
"level": 2,
"text": "14.2 User Responsibilities"
},
{
"type": "p",
"text": "This Section addresses user responsibilities in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "14.3 Unauthorized Access"
},
{
"type": "p",
"text": "This Section addresses unauthorized access in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You are responsible for safeguarding credentials, devices, email systems, payment instructions, Authorized User permissions, authentication methods, and internal approval procedures. You must promptly notify FlowState of suspected unauthorized access, credential compromise, phishing, business email compromise, malware, identity theft, fraud, or any security incident affecting your Account or use of the Platform."
},
{
"type": "p",
"text": "No website, platform, system, network, database, transmission, or storage method is completely secure. FlowState does not guarantee that unauthorized access, cyberattacks, data loss, system failures, security incidents, errors, interruptions, or other events will not occur."
},
{
"type": "heading",
"level": 2,
"text": "14.4 No Guarantee of Absolute Security"
},
{
"type": "p",
"text": "This Section addresses no guarantee of absolute security in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You are responsible for safeguarding credentials, devices, email systems, payment instructions, Authorized User permissions, authentication methods, and internal approval procedures. You must promptly notify FlowState of suspected unauthorized access, credential compromise, phishing, business email compromise, malware, identity theft, fraud, or any security incident affecting your Account or use of the Platform."
},
{
"type": "p",
"text": "No website, platform, system, network, database, transmission, or storage method is completely secure. FlowState does not guarantee that unauthorized access, cyberattacks, data loss, system failures, security incidents, errors, interruptions, or other events will not occur."
},
{
"type": "heading",
"level": 2,
"text": "14.5 Incident Response"
},
{
"type": "p",
"text": "This Section addresses incident response in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "You are responsible for safeguarding credentials, devices, email systems, payment instructions, Authorized User permissions, authentication methods, and internal approval procedures. You must promptly notify FlowState of suspected unauthorized access, credential compromise, phishing, business email compromise, malware, identity theft, fraud, or any security incident affecting your Account or use of the Platform."
},
{
"type": "p",
"text": "No website, platform, system, network, database, transmission, or storage method is completely secure. FlowState does not guarantee that unauthorized access, cyberattacks, data loss, system failures, security incidents, errors, interruptions, or other events will not occur."
},
{
"type": "heading",
"level": 1,
"text": "15. FEES, PAYMENTS, AND TAXES"
},
{
"type": "heading",
"level": 2,
"text": "15.1 Fees"
},
{
"type": "p",
"text": "This Section addresses fees in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "15.2 Payment Authorization"
},
{
"type": "p",
"text": "This Section addresses payment authorization in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "15.3 Taxes"
},
{
"type": "p",
"text": "This Section addresses taxes in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "15.4 Changes to Fees"
},
{
"type": "p",
"text": "This Section addresses changes to fees in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "15.5 Third-Party Fees"
},
{
"type": "p",
"text": "This Section addresses third-party fees in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "16. DISCLAIMERS OF WARRANTIES"
},
{
"type": "heading",
"level": 2,
"text": "16.1 Platform Provided As Is and As Available"
},
{
"type": "p",
"text": "This Section addresses platform provided as is and as available in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "16.2 No Warranty of Availability or Error-Free Operation"
},
{
"type": "p",
"text": "This Section addresses no warranty of availability or error-free operation in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "To the maximum extent permitted by Applicable Law, the Website, Platform, Content, FlowState Materials, and Services are provided on an \"as is,\" \"as available,\" and \"with all faults\" basis, without warranties of any kind."
},
{
"type": "p",
"text": "To the maximum extent permitted by Applicable Law, FlowState will not be liable for indirect, incidental, consequential, special, exemplary, punitive, enhanced, or similar damages, including lost profits, lost revenue, lost business opportunities, lost data, business interruption, reputational harm, loss of financing, tax consequences, accounting consequences, regulatory consequences, or damages arising from inability to access or use the Website, Platform, Content, or Services."
},
{
"type": "heading",
"level": 2,
"text": "16.3 No Warranty Regarding Financial Outcomes"
},
{
"type": "p",
"text": "This Section addresses no warranty regarding financial outcomes in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "To the maximum extent permitted by Applicable Law, the Website, Platform, Content, FlowState Materials, and Services are provided on an \"as is,\" \"as available,\" and \"with all faults\" basis, without warranties of any kind."
},
{
"type": "p",
"text": "To the maximum extent permitted by Applicable Law, FlowState will not be liable for indirect, incidental, consequential, special, exemplary, punitive, enhanced, or similar damages, including lost profits, lost revenue, lost business opportunities, lost data, business interruption, reputational harm, loss of financing, tax consequences, accounting consequences, regulatory consequences, or damages arising from inability to access or use the Website, Platform, Content, or Services."
},
{
"type": "heading",
"level": 2,
"text": "16.4 Third-Party Information"
},
{
"type": "p",
"text": "This Section addresses third-party information in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "16.5 No Fiduciary Relationship"
},
{
"type": "p",
"text": "This Section addresses no fiduciary relationship in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "17. LIMITATION OF LIABILITY"
},
{
"type": "heading",
"level": 2,
"text": "17.1 Exclusion of Certain Damages"
},
{
"type": "p",
"text": "This Section addresses exclusion of certain damages in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "17.2 Cap on Liability"
},
{
"type": "p",
"text": "This Section addresses cap on liability in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "17.3 Exceptions"
},
{
"type": "p",
"text": "This Section addresses exceptions in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "17.4 Allocation of Risk"
},
{
"type": "p",
"text": "This Section addresses allocation of risk in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "17.5 Jurisdictional Limitations"
},
{
"type": "p",
"text": "This Section addresses jurisdictional limitations in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "18. INDEMNIFICATION"
},
{
"type": "heading",
"level": 2,
"text": "18.1 Indemnification by User"
},
{
"type": "p",
"text": "This Section addresses indemnification by user in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "18.2 Indemnification Procedures"
},
{
"type": "p",
"text": "This Section addresses indemnification procedures in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "18.3 Cooperation"
},
{
"type": "p",
"text": "This Section addresses cooperation in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "19. SUSPENSION AND TERMINATION"
},
{
"type": "heading",
"level": 2,
"text": "19.1 Suspension by FlowState"
},
{
"type": "p",
"text": "This Section addresses suspension by flowstate in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "19.2 Termination by User"
},
{
"type": "p",
"text": "This Section addresses termination by user in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "19.3 Termination by FlowState"
},
{
"type": "p",
"text": "This Section addresses termination by flowstate in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "19.4 Effect of Termination"
},
{
"type": "p",
"text": "This Section addresses effect of termination in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "19.5 Survival"
},
{
"type": "p",
"text": "This Section addresses survival in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "20. DISPUTE RESOLUTION"
},
{
"type": "heading",
"level": 2,
"text": "20.1 Informal Resolution"
},
{
"type": "p",
"text": "This Section addresses informal resolution in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "20.2 Arbitration Agreement"
},
{
"type": "p",
"text": "This Section addresses arbitration agreement in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "p",
"text": "To the maximum extent permitted by Applicable Law, disputes may be resolved by binding arbitration administered by [American Arbitration Association / JAMS / other provider selected by counsel] under applicable commercial arbitration rules, except as modified in the final approved Terms."
},
{
"type": "heading",
"level": 2,
"text": "20.3 Class Action Waiver"
},
{
"type": "p",
"text": "This Section addresses class action waiver in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "20.4 Jury Trial Waiver"
},
{
"type": "p",
"text": "This Section addresses jury trial waiver in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "20.5 Injunctive Relief"
},
{
"type": "p",
"text": "This Section addresses injunctive relief in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "20.6 Small Claims Matters"
},
{
"type": "p",
"text": "This Section addresses small claims matters in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "21. GOVERNING LAW AND VENUE"
},
{
"type": "heading",
"level": 2,
"text": "21.1 Governing Law"
},
{
"type": "p",
"text": "This Section addresses governing law in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "21.2 Venue"
},
{
"type": "p",
"text": "This Section addresses venue in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "21.3 Regulatory Matters"
},
{
"type": "p",
"text": "This Section addresses regulatory matters in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 1,
"text": "22. MISCELLANEOUS"
},
{
"type": "heading",
"level": 2,
"text": "22.1 Entire Agreement"
},
{
"type": "p",
"text": "This Section addresses entire agreement in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.2 Severability"
},
{
"type": "p",
"text": "This Section addresses severability in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.3 Assignment"
},
{
"type": "p",
"text": "This Section addresses assignment in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.4 No Waiver"
},
{
"type": "p",
"text": "This Section addresses no waiver in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.5 Force Majeure"
},
{
"type": "p",
"text": "This Section addresses force majeure in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.6 Notices"
},
{
"type": "p",
"text": "This Section addresses notices in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.7 Headings"
},
{
"type": "p",
"text": "This Section addresses headings in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
},
{
"type": "heading",
"level": 2,
"text": "22.8 Contact Information"
},
{
"type": "p",
"text": "This Section addresses contact information in connection with the Website, Platform, Content, Accounts, Product Agreements, Partner Services, and Services made available by or through FlowState."
},
{
"type": "p",
"text": "FlowState may establish, modify, condition, suspend, or discontinue procedures, requirements, eligibility standards, features, workflows, disclosures, and controls relating to this subject matter, subject to Applicable Law and any applicable Product Agreement."
},
{
"type": "p",
"text": "You agree to provide accurate, complete, current, and not misleading information; comply with all applicable laws, third-party terms, and Product Agreements; maintain appropriate internal controls; and cooperate with reasonable requests by FlowState, Banking Partners, Partner Financial Institutions, Third-Party Providers, regulators, courts, law enforcement authorities, auditors, and other authorized parties."
},
{
"type": "p",
"text": "You are solely responsible for evaluating the legal, tax, accounting, regulatory, financial, credit, operational, commercial, and strategic consequences of accessing or using the Website, Platform, Content, or Services, and you should consult your own qualified professional advisors before relying on any information made available by FlowState."
}
]
};
|