Effective Date: May 17, 2025
Welcome to Flow, a personal finance application developed by Batmend Ganbaatar ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of the Flow application (the "App"). By accessing or using the App, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not use the App.
Flow is distributed as free and open-source software under the GNU General Public License v3.0 ("GPL-3.0"). You may view the license terms and source code at: https://github.com/flow-mn/flow/blob/main/LICENSE.
Our Privacy Policy explains how we collect, use, and protect your personal information. By using the App, you also agree to the terms of our Privacy Policy.
Flow allows you to input and store your personal financial data ("User Content"). You retain ownership of all rights to your User Content. You are solely responsible for its accuracy, legality, and appropriateness. You agree not to use the App to store or transmit any content that is unlawful, harmful, offensive, or infringes upon the rights of others.
The App is provided "as is" without warranties of any kind, whether express or implied. We make no guarantees regarding the reliability, availability, security, or accuracy of the App. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Your use of the App is at your own risk.
Any files, documents, summaries, or reports generated by the App are provided solely for your personal reference and convenience. These outputs are not legal, financial, or official documents and should not be interpreted as such. We make no representations or warranties regarding the accuracy, completeness, or reliability of any generated content. You agree not to rely on such content for legal, tax, financial, or compliance purposes.
To the maximum extent allowed by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the App—even if we have been advised of the possibility of such damages.
You agree to indemnify and hold harmless us and our affiliates, officers, directors, employees, agents, and licensors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the App or your violation of these Terms.
We reserve the right to suspend or terminate your access to the App at any time, with or without notice, for any reason.
These Terms shall be governed by the laws of [insert applicable jurisdiction], without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms shall be resolved through binding arbitration under the rules of the American Arbitration Association. Arbitration will take place in [insert city and state], and the arbitrator’s decision will be final and enforceable.
These Terms constitute the complete agreement between you and us regarding your use of the App and supersede any prior agreements or understandings, whether written or oral.
We may update these Terms from time to time. When we do, we will revise the "Effective Date" above and post the updated version within the App. Continued use of the App after changes are posted constitutes your acceptance of the revised Terms.
If you have any questions or concerns about these Terms, please contact us at: [email protected]