Terms and Conditions

1. Agreement and service description

1.1. By accessing or using the Flowtoken website, you agree to these Terms and to the Privacy Policy. If you do not agree, please do not use the site.

1.2. Flowtoken provides AI-assisted data analysis and decision-optimisation materials for freelance capital allocation in GBP, presented as illustrative models, explanations and educational content.

1.3. Unless expressly stated otherwise in a separate written agreement: (a) no account is required to view general pages; (b) any configuration, form submission or contact request does not create a client, advisory or fiduciary relationship; (c) any future paid features, if offered, will be described separately with fees disclosed before purchase. [Insert details if applicable, otherwise delete].

2. Eligibility, access and acceptable use

2.1. You must be able to form a binding agreement to use this site. If you use the site on behalf of an organisation, you confirm you are authorised to do so.

2.2. You agree not to:

• use the site for any unlawful purpose or in breach of applicable laws or regulations;
• attempt to gain unauthorised access to systems, interfere with operation, or circumvent security or rate limits;
• copy, scrape, or bulk-extract content except as permitted by standard browser use or with prior written permission;
• submit false, misleading or infringing information via forms;
• misrepresent outputs as regulated advice, guarantees or personal recommendations.

2.3. We may restrict, suspend or discontinue access to all or part of the site for maintenance, security or operational reasons without prior notice.

3. Intellectual property

3.1. Unless otherwise noted, website text, layout, graphics and modelling explanations are owned by or licensed to Flowtoken and protected by intellectual property laws.

3.2. You may view, download and print pages for personal, non-commercial information purposes only, retaining all notices. Any other reproduction, distribution or adaptation requires prior written permission.

3.3. Any feedback or suggestions you voluntarily provide may be used to improve the site without obligation or compensation, unless otherwise agreed in writing.

4. No financial advice — illustrative modelling only

4.1. Nothing on this site constitutes a recommendation, offer or solicitation to buy, sell or hold any financial product, or to take any specific allocation decision.

4.2. Illustrative outputs depend on assumptions and simplified inputs. They do not reflect your full personal circumstances, costs, taxes, liquidity needs or risk tolerance.

4.3. You are solely responsible for any decisions you make. Consider seeking independent, regulated professional advice before acting. [Insert regulatory statement if applicable to your situation, otherwise do not add one].

5. Accuracy, availability, disclaimers and limitation of liability

5.1. We aim to keep information accurate and available, but the site is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, to the fullest extent permitted by law. This includes, without limitation, implied warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement.

5.2. We do not warrant that the site will be uninterrupted, error-free, secure or free of harmful components, or that defects will be corrected.

5.3. To the maximum extent permitted by law, Flowtoken and its [officers / operators — insert as applicable] will not be liable for any indirect, incidental, consequential, special or exemplary losses, including loss of profits, revenue, data or opportunity, arising from or related to use of, or inability to use, the site or reliance on its content.

5.4. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including liability for death or personal injury caused by negligence, fraud, or any other matter where exclusion would be unlawful. [Seek advice on applicable consumer rights in your jurisdiction].

5.5. Third-party links or references, if any, are provided for convenience only. We do not control or endorse third-party content and are not responsible for it.

6. Changes, termination, governing terms and contact

6.1. Changes to these Terms. We may update these Terms from time to time. The version posted on this page at the time of your use will apply. Material changes will be indicated by updating the “Last updated” date above. [Insert notice process if applicable].

6.2. Changes to the site. Content, features and availability may be added, modified or removed without notice. We have no obligation to retain or provide copies of any content.

6.3. Termination. You may stop using the site at any time. Sections concerning intellectual property, disclaimers, liability and general provisions survive termination.

6.4. Severability and waiver. If any provision is found unenforceable, the remaining provisions continue in full effect. Failure to enforce a provision is not a waiver of the right to do so later.

6.5. Governing law and disputes. [Insert applicable law and jurisdiction / dispute resolution process — editable placeholder. Do not assume a jurisdiction here].

6.6. Contact. For questions about these Terms, please use the Contact page. [Insert designated contact method if required].