Terms of Service

Effective Date: September 17, 2026

These Terms of Service (“Terms”) govern your access to and use of Flowline, including the Flowline website, mobile applications, software, and related services (collectively, the “Service”).

The Service is provided by Flowline Intelligence, LLC (“Flowline,” “we,” “us,” or “our”).

By creating an account, accessing, or using Flowline, you agree to these Terms. If you do not agree, do not use the Service.

1. What Flowline Does

Flowline is household cash-flow planning and money-management software.

Flowline may allow you to:

• maintain a household financial ledger;
• record income, expenses, transfers, and recurring activity;
• plan upcoming cash flow, including Safe to Spend and Account Health;
• view projected balances and financial activity;
• use Voice Assistant to propose transactions for your confirmation;
• generate AI-powered Insights;
• receive optional Cash-Flow Alerts;
• share household financial information with other authorized household members;
• connect supported financial institutions;
• compare bank activity with your Flowline ledger through Flowline Check;
• import or extract transaction information using supported import tools; and
• access other financial-planning and organizational features.

Flowline is designed to help you organize and understand financial information. It does not control your financial accounts or make financial decisions for you.

2. Flowline Is Not a Bank or Financial Adviser

Flowline is not:

• a bank;
• credit union;
• lender;
• broker-dealer;
• investment adviser;
• accounting firm;
• tax adviser;
• financial planner; or
• fiduciary.

Flowline does not hold, transfer, invest, or lend your money.

Unless we expressly introduce such a feature in the future, Flowline does not initiate payments or transfers through your financial institutions.

Information provided through Flowline is for informational and organizational purposes only and should not be treated as individualized financial, investment, legal, accounting, or tax advice.

You remain responsible for your financial decisions.

3. No Guarantee of Financial Outcomes

Flowline may calculate or display:

• projected account balances;
• upcoming income or expenses;
• estimated cash positions;
• lowest projected balances;
• recurring activity;
• expected transaction timing; and
• other financial projections.

These calculations depend on the information available to Flowline and assumptions about future activity.

Actual results may differ because of factors including:

• transactions you have not entered;
• delayed bank data;
• pending transactions;
• changes in transaction amounts;
• changes in income or expenses;
• bank processing times;
• recurring-payment timing;
• merchant adjustments;
• fees;
• holds; or
• other activity outside Flowline.

Projections are estimates based on the information available to Flowline and are not guarantees of future balances or outcomes.

You should review important information and should not use Flowline as your sole source for time-sensitive or significant financial decisions.

Safe to Spend, Account Health, and AI-Powered Insights

Flowline may provide planning tools such as Safe to Spend, Account Health, spending analysis, and AI-powered Insights. These features are based on information available to Flowline, including information you enter, recurring activity, connected financial information, and calculations or automated analysis performed by the Service.

These features may be incomplete, delayed, or incorrect and may not identify every financial circumstance, transaction, pattern, or risk. They are informational planning tools and are not financial advice, guarantees, or a substitute for reviewing your actual accounts and obligations.

Alerts and notifications

Flowline may provide optional alerts intended to draw your attention to changes in Account Health or other information in the Service. Alerts are a convenience feature and may be delayed, missed, duplicated, or unavailable because of device settings, network conditions, operating-system behavior, third-party notification services, or other circumstances.

You should not rely on receiving a Flowline notification as your only method of monitoring your finances or identifying a cash-flow problem.

4. Your Flowline Ledger

Your Flowline ledger is intended to reflect the financial plan and activity you choose to maintain in Flowline.

You are responsible for reviewing and maintaining the accuracy of your ledger.

Information obtained from a connected financial institution does not automatically become part of your Flowline ledger merely because your bank reports it.

Flowline may identify:

• possible transaction matches;
• activity that appears accounted for;
• transactions that may be missing; or
• activity requiring review.

You remain responsible for deciding whether to add, confirm, match, edit, ignore, or otherwise act on those suggestions.

5. Connected Financial Institutions

Flowline may allow you to connect supported financial institutions through Plaid or another financial-data provider.

By connecting an account, you authorize Flowline and its service providers to retrieve and process information from that institution as necessary to provide the requested Flowline features.

Depending on your institution and the features you use, this may include:

• account information;
• account balances;
• transaction activity;
• transaction status;
• merchant information;
• financial institution information; and
• connection-status information.

Financial institutions and third-party data providers are independent from Flowline.

Flowline does not control:

• whether an institution is supported;
• how frequently the institution provides updates;
• the accuracy of information supplied by the institution;
• institution downtime;
• delayed transactions;
• pending-to-posted transaction changes; or
• interruptions in third-party financial-data services.

Connected information may not be available in real time.

6. Bank Balances and Transaction Freshness

Flowline may display both:

• a Flowline balance, based on your Flowline ledger; and
• a bank balance, based on the most recent information obtained from your financial institution.

These values may differ.

A displayed bank balance may be delayed or cached and should not be treated as a guarantee of the amount immediately available for withdrawal or spending.

Flowline may allow you to request newer transaction or balance information. Availability and timing depend on your institution and third-party providers.

Flowline may apply reasonable technical or usage limits to these requests in order to maintain reliability, prevent abuse, or control third-party service costs.

Such limits do not prevent you from accessing your existing Flowline ledger or the latest bank information already available to Flowline.

7. Flowline Check

Flowline Check compares available bank activity with your Flowline ledger to help identify transactions or activity that may require attention.

Flowline Check is intended as an additional review tool, not a substitute for reviewing your bank account or maintaining accurate records.

Flowline Check is designed to help identify bank activity that may need review, but it may not identify every transaction or may suggest items that require your review.

For example, Flowline may:

• fail to identify a matching transaction;
• suggest an incorrect possible match;
• receive delayed information from a bank;
• receive a transaction amount that later changes; or
• receive merchant information that differs from the description you recognize.

You are responsible for reviewing suggested actions before changing your ledger.

8. Smart Import, Voice Assistant, and Automated Features

Flowline may provide features that analyze screenshots, images, documents, spoken recordings, typed text, or other information to extract transactions, payment schedules, merchants, dates, amounts, or related details.

These features may use artificial intelligence or third-party processing services.

Automated extraction can make mistakes.

You are responsible for reviewing extracted information before accepting or adding it to Flowline.

You should review extracted information before accepting it and should not use Smart Import as your sole record of a financial obligation or transaction.

Voice Assistant may incorrectly transcribe or interpret spoken or typed information. You are responsible for reviewing the proposed transaction before confirming it. A Voice Assistant transaction is not intended to be added to your Flowline ledger until you confirm it.

9. Account Registration and Security

You must provide accurate information when creating and maintaining your account.

You are responsible for:

• protecting your account credentials;
• maintaining control of devices used to access Flowline;
• promptly notifying us of suspected unauthorized access; and
• ensuring that information submitted through your account is authorized.

You may not share authentication credentials in a manner that bypasses Flowline's household or membership controls.

You must notify us promptly at support@flowlinebudget.com if you believe your Flowline account has been compromised.

10. Household Accounts

Flowline may allow multiple people to participate in the same household.

Members of a household may have access to shared financial information, including transactions, accounts, recurring activity, projections, and connected-bank information, depending on their permissions.

By inviting someone to a household, you acknowledge that the invited person may gain access to sensitive household financial information.

Only invite people you trust.

Household owners may have additional administrative rights, such as the ability to:

• invite or remove members;
• manage certain accounts or connections;
• delete a household; or
• perform other administrative functions.

You are responsible for ensuring that you have the right to provide information that you place in a shared household.

11. Eligibility

You must be legally capable of entering into a binding agreement to use Flowline.

Flowline is not intended for children under 13.

If you are using Flowline on behalf of a business, organization, or other legal entity, you represent that you have authority to bind that entity to these Terms.

12. Subscriptions and Paid Features

Flowline may offer free and paid plans.

Paid features may include access to functionality such as connected financial institutions or other premium features.

Current prices and plan features will be disclosed before purchase.

Unless otherwise stated, subscriptions automatically renew until canceled.

If you purchase through the Apple App Store or another third-party billing platform, billing, renewal, cancellation, and refunds may also be subject to that platform's terms.

Monthly subscriptions

Monthly subscriptions are billed at the then-current monthly price and automatically renew each billing period unless canceled.

Annual subscriptions

Annual subscriptions are billed at the then-current annual price and automatically renew each year unless canceled.

Trials

Flowline may offer free or discounted trials.

Unless otherwise stated when you enroll, a trial may automatically convert to a paid subscription at the end of the trial period unless canceled beforehand.

Cancellation

You may cancel a subscription through the platform through which you purchased it.

Cancellation generally prevents future renewal but does not ordinarily provide a refund for the current billing period unless required by law or the applicable billing provider's policies.

You may continue to use paid features through the end of the paid subscription period unless otherwise stated.

13. Price and Plan Changes

We may change:

• subscription prices;
• plan names;
• feature availability;
• usage allowances; or
• included functionality.

We will provide any notice required by applicable law or the applicable billing platform before a change affecting an existing paid subscription becomes effective.

We may introduce, modify, or discontinue plans in the future.

14. Refunds

Except where required by law or expressly stated otherwise, subscription payments are non-refundable.

Purchases made through the Apple App Store or another third-party platform are subject to that platform's applicable refund process and policies.

15. Acceptable Use

You may not use Flowline to:

• violate any law or regulation;
• access another person's financial information without authorization;
• impersonate another person;
• attempt to circumvent security or access controls;
• probe, scan, or test vulnerabilities without authorization;
• interfere with the Service or its infrastructure;
• introduce malware or harmful code;
• scrape or systematically extract Service data except as expressly permitted;
• reverse engineer the Service except where applicable law expressly permits it;
• circumvent subscription, usage, or technical restrictions;
• abuse third-party financial-data services through excessive or automated requests;
• use Flowline to facilitate fraud or unlawful financial activity; or
• use the Service in a way that materially harms Flowline, our providers, or other users.

We may take reasonable steps to prevent misuse or protect the Service.

16. Your Content and Financial Data

You retain your rights in information you provide to Flowline.

You grant Flowline a limited right to host, process, transmit, reproduce, and otherwise use that information as necessary to:

• provide the Service;
• maintain and secure the Service;
• perform requested features;
• troubleshoot problems; and
• comply with law.

This license does not transfer ownership of your financial information to Flowline.

Our handling of personal information is described in our Privacy Policy.

17. Flowline Intellectual Property

Flowline and its licensors own all rights in the Service other than content or information provided by users.

This includes, as applicable:

• software;
• source and object code;
• interface designs;
• graphics;
• trademarks;
• logos;
• product names;
• documentation;
• databases;
• proprietary algorithms; and
• other intellectual property.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use Flowline for its intended purpose.

These Terms do not grant you ownership of Flowline software or intellectual property.

18. Feedback

If you provide suggestions, ideas, feedback, or recommendations about Flowline, you authorize us to use that feedback without restriction or compensation to you.

This does not give us ownership of personal financial information you provide while using the Service.

19. Third-Party Services

Flowline depends on third-party services that may include financial-data providers, cloud infrastructure, authentication providers, email services, artificial intelligence providers, payment processors, app stores, and other technology providers.

Those services may have their own terms and privacy practices.

We are not responsible for third-party products or services that we do not control.

A failure or interruption by a third-party provider may affect Flowline's availability or functionality.

20. Service Availability

We aim to provide a reliable Service, but Flowline may occasionally be:

• unavailable;
• delayed;
• interrupted;
• undergoing maintenance; or
• affected by circumstances outside our control.

We do not guarantee uninterrupted or error-free availability.

We may modify, suspend, or discontinue features where reasonably necessary, subject to applicable law and our obligations to paying subscribers.

21. Beta and Pre-Release Features

We may make certain features available as beta, experimental, preview, or pre-release functionality.

Such features may:

• contain errors;
• change substantially;
• be unavailable at times; or
• be discontinued.

Do not rely on beta functionality for critical financial decisions.

22. Account Suspension and Termination

You may stop using Flowline at any time.

We may suspend or terminate access if we reasonably believe that:

• you materially violated these Terms;
• your activity creates a security risk;
• your activity is fraudulent or unlawful;
• continued access could harm Flowline, another user, or a third party;
• payment for a required subscription has failed; or
• suspension is necessary to comply with law.

Where reasonably appropriate, we may provide notice and an opportunity to resolve the issue.

Certain provisions of these Terms that by their nature should survive termination will remain effective after termination.

23. Deleting Your Data

Flowline may provide tools for deleting accounts, financial information, bank connections, households, or other data.

Some information may remain temporarily in backups or may be retained where reasonably necessary for:

• security;
• fraud prevention;
• legal compliance;
• dispute resolution;
• accounting; or
• enforcement of these Terms.

See our Privacy Policy for additional information about data retention and deletion.

24. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLOWLINE IS PROVIDED “AS IS” AND “AS AVAILABLE.”

FLOWLINE INTELLIGENCE, LLC DISCLAIMS WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• TITLE; AND
• NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

• FLOWLINE WILL ALWAYS BE AVAILABLE;
• FINANCIAL INFORMATION WILL ALWAYS BE CURRENT;
• BANK CONNECTIONS WILL ALWAYS FUNCTION;
• CALCULATIONS OR PROJECTIONS WILL ALWAYS BE ACCURATE;
• FLOWLINE CHECK WILL IDENTIFY EVERY TRANSACTION;
• AUTOMATED EXTRACTION WILL BE ERROR-FREE; OR
• THE SERVICE WILL BE FREE FROM DEFECTS OR INTERRUPTIONS.

Some jurisdictions do not allow certain warranty disclaimers, so some of these limitations may not apply to you.

25. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLOWLINE INTELLIGENCE, LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF FLOWLINE.

THIS INCLUDES LOSSES RESULTING FROM:

• RELIANCE ON A CASH-FLOW PROJECTION;
• INACCURATE OR DELAYED BANK INFORMATION;
• A MISSED OR MISIDENTIFIED TRANSACTION;
• AN INCORRECT SMART IMPORT RESULT;
• A BANK-CONNECTION INTERRUPTION;
• UNAUTHORIZED ACCOUNT ACCESS; OR
• SERVICE UNAVAILABILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLOWLINE'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF:

(A) THE AMOUNT YOU PAID TO FLOWLINE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR

(B) $100.

Some jurisdictions do not allow certain liability limitations, so these limitations may not apply to you.

26. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Flowline Intelligence, LLC and its officers, members, employees, contractors, and affiliates from claims, liabilities, damages, losses, and reasonable expenses arising from:

• your unlawful use of the Service;
• your material violation of these Terms;
• information you submit without authorization; or
• your infringement of another person's rights.

This provision does not require you to indemnify Flowline for Flowline's own unlawful conduct or where such indemnification is prohibited by law.

27. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except to the extent applicable consumer law requires otherwise.

Any dispute not otherwise required to be handled in another jurisdiction by applicable law will be brought in a court of competent jurisdiction in Florida.

You retain any rights available to you under mandatory consumer-protection laws that cannot legally be waived by contract.

28. Changes to These Terms

We may update these Terms as Flowline evolves.

If we make material changes, we may provide notice through:

• Flowline;
• email;
• our website; or
• another reasonable method.

Your continued use of Flowline after revised Terms become effective constitutes acceptance of the revised Terms where permitted by law.

If you do not agree with revised Terms, you should stop using the Service.

29. Electronic Communications

By using Flowline, you agree that we may provide agreements, notices, disclosures, and other Service-related communications electronically.

This may include communication by email, through the application, or through our website.

You are responsible for maintaining a current email address associated with your account.

30. Assignment

You may not transfer your rights or obligations under these Terms without our consent.

We may assign these Terms in connection with a merger, acquisition, corporate reorganization, financing, sale of assets, or similar business transaction.

31. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

32. No Waiver

If we do not immediately enforce a provision of these Terms, that does not waive our right to enforce it later.

33. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms presented for a particular feature or subscription, constitute the agreement between you and Flowline regarding the Service.

34. Apple App Store Users

If you download or use Flowline through Apple's App Store, you acknowledge that:

• these Terms are between you and Flowline Intelligence, LLC, not Apple;
• Flowline, not Apple, is responsible for the Service;
• Apple has no obligation to provide maintenance or support for Flowline;
• to the extent required by applicable App Store terms, Apple may be a third-party beneficiary of these Terms and may enforce applicable provisions against you; and
• your use of the application must comply with applicable App Store terms.

Nothing in these Terms is intended to reduce any rights you have under Apple's applicable terms or applicable consumer law.

35. Contact

Questions about these Terms may be sent to: