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Terms and Conditions / Terms of Use

Flow Capital Funds

Last updated: August 2025

1. INTRODUCTION

Welcome to the website of Flow Capital Funds ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms" or "Terms of Use"), together with our Privacy Policy, govern your access to and use of www.flowcapitalfunds.com (the "Website") and any related services, content, functionality, applications, networks, or communication channels we provide (collectively, the "Services").

By accessing or using the Website or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Website or Services.

We may update these Terms from time to time at our sole discretion. All changes are effective immediately upon posting. Your continued use after changes means acceptance of those changes. Please check this page regularly.

2. SERVICES

Flow Capital Funds provides users with information about certain loans and other financial products and services offered by third-party service providers and advertisers. We are not a lender, financial institution, credit card issuer, or financial advisor. Our Website acts solely as an intermediary to connect users with third-party service providers.

We do not:

  • Make credit decisions on behalf of any service provider;
  • Validate licensing, certification, or qualifications of third-party providers;
  • Guarantee terms, rates, or offers made by any third party;
  • Issue loans, credit cards, or other financial products directly.

Any financial products or services are subject to the terms and conditions of the third-party provider.

3. ELIGIBILITY

The Website and Services are offered only to individuals who are 18 years or older and, unless otherwise specified, reside in the United States or its territories. By using the Website or Services, you represent and warrant that you meet these eligibility criteria. If you do not, you must not access or use the Website or Services.

4. ACCESSING THE WEBSITE AND ACCOUNT SECURITY

We may modify, suspend, or discontinue the Website or Services at any time without notice. We are not liable if the Website or any portion of it is unavailable.

Certain Services may require you to provide personal information. By submitting your data, you agree to our Privacy Policy and consent to our use of your data as described therein.

When you submit inquiries to receive offers from third-party providers ("Information Requests"), you represent that all information is accurate and that you are authorized to provide it.

By providing your contact details, you consent to receive communications from Flow Capital Funds and our partners via email, phone, or text. Standard message and data rates may apply. You can opt out by following unsubscribe instructions or contacting us at info@flowcapitalfunds.com.

5. PERSONAL USE

The Website and Services are provided for your personal, non-commercial use only. You may not use, copy, reproduce, distribute, resell, or exploit the Website or Services for commercial purposes without our express written consent.

6. INTELLECTUAL PROPERTY RIGHTS

All content, design, trademarks, logos, software, and materials on the Website (the “Licensed Content”) are owned by or licensed to Flow Capital Funds and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-transferable license to use the Website and content for personal use only. You may not:

  • Copy, reproduce, distribute, or exploit any Licensed Content;
  • Reverse engineer or create derivative works;
  • Use any content for commercial purposes.

Violation of these rights terminates your license to use the Website immediately, and you must destroy any copies you have made.

7. USER CONTRIBUTIONS

The Website may allow users to post content, such as reviews, comments, or other materials ("User Contributions"). By submitting User Contributions, you grant Flow Capital Funds and its affiliates a worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, publish, and distribute such content.

You represent and warrant that:

  • You own or have the rights to all submitted content;
  • Your content does not violate any laws or third-party rights;
  • Your content is not unlawful, defamatory, obscene, or harmful.

We reserve the right to remove or refuse any User Contributions at our sole discretion.

8. PROHIBITED USES

You agree to use the Website and Services lawfully and not to:

  • Violate any laws or regulations;
  • Harass or harm others, including minors;
  • Post spam or unsolicited promotional content;
  • Impersonate others or misrepresent your identity;
  • Upload viruses or malicious code;
  • Attempt unauthorized access to the Website or others’ accounts;
  • Use automated means to scrape or harvest data without consent.

9. RELIANCE ON INFORMATION

Information on our Website is for general informational purposes only and is not financial advice. We do not guarantee accuracy or completeness. Use of such information is at your own risk.

Third-party content is the responsibility of those providers and does not necessarily reflect Flow Capital Funds’ views.

10. THIRD-PARTY LINKS AND SERVICES

The Website may contain links to third-party websites or services for your convenience. We do not control and are not responsible for their content, privacy policies, or practices.

11. DISCLAIMER OF WARRANTIES

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLOW CAPITAL FUNDS AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES.

OUR LIABILITY, IF ANY, IS LIMITED TO THE AMOUNT YOU PAID TO USE OUR SERVICES, IF APPLICABLE.

13. INDEMNIFICATION

You agree to indemnify and hold harmless Flow Capital Funds, its affiliates, officers, employees, and agents from any claims, damages, losses, or expenses arising from your violation of these Terms or your use of the Website or Services.

14. TERMINATION

We may suspend or terminate your access to the Website or Services at any time, with or without cause, and without prior notice.

15. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of the State of Delaware without regard to conflict of laws principles. You agree that any dispute arising from these Terms or the Website will be resolved exclusively in federal or state courts located in Delaware.

16. MISCELLANEOUS

  • Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement between you and Flow Capital Funds.
  • Severability: If any provision is invalid, the rest remain in effect.
  • Waiver: Failure to enforce any term is not a waiver of future enforcement.
  • Assignment: We may assign our rights without your consent; you may not assign yours without ours.

17. CONTACT INFORMATION

If you have any questions about these Terms or need assistance, please contact us:
Flow Capital Funds
Email: info@flowcapitalfunds.com

Thank you for visiting Flow Capital Funds.