Terms of Service — Flowcard

Last Updated: February 10, 2026

Welcome to Flowcard. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Flowcard ("Company," "we," "us," or "our"). By accessing our website, mobile application, or using our services (collectively, the "Services"), you agree to be bound by these Terms.

IF YOU DO NOT AGREE TO THESE TERMS, PLEASE IMMEDIATELY CEASE USE OF THE SERVICES.

1. Eligibility and Account Registration

To use Flowcard, you must:

Be at least 18 years of age (or the legal age of majority in your jurisdiction).
Provide accurate, current, and complete information during the registration process.
Pass our Know Your Customer (KYC) and Anti-Money Laundering (AML) verification processes.
Maintain the security of your account credentials. You are solely responsible for all activities that occur under your account.

2. Description of Services

Flowcard provides a digital financial management platform that may include:

Issuance of virtual and physical payment cards.
Expense tracking, budgeting tools, and AI-driven financial insights.
Integration with third-party platforms (e.g., Webflow or other SaaS tools).
Rewards programs, including cashback and loyalty points.

Note: Flowcard is a financial technology platform, not a bank. Banking services are provided by our licensed partner banks and financial institutions.

3. Fees and Payments

Subscription Plans: Certain features are available through paid tiers (e.g., Starter, Professional, Enterprise). By subscribing, you authorize us to charge the applicable recurring fees.
Transaction Fees: Usage of the Flowcard may incur transaction fees, foreign exchange fees, or ATM withdrawal fees as outlined in our [Fee Schedule].
Changes to Fees: We reserve the right to modify our fees at any time with thirty (30) days' notice.

4. Virtual and Physical Cards

Issuance: Cards are issued by our partner financial institutions. We reserve the right to refuse card issuance at our sole discretion.
Usage: Cards must be used in accordance with the rules of the payment network (e.g., Visa or Mastercard).
Unauthorized Use: You must notify us immediately of any lost or stolen cards or unauthorized transactions. Our liability for unauthorized transactions is limited by applicable law and the terms of the issuing bank.

5. User Conduct and Prohibited Activities

You agree not to use the Services for:

Any illegal or fraudulent activity.
Money laundering or financing of terrorism.
Exploiting, harming, or attempting to exploit minors.
Interfering with the security or integrity of the Flowcard platform.
Using the "Flowcard" brand or designs without express written permission.

5.1 Prohibited Payments

Cards must not be used to pay for:

Personal purchases (e.g., clothing, cosmetics, jewelry, etc.).
Gambling, betting, or adult services.
Cryptocurrencies and exchange platforms (without prior explicit approval).
Questionable or illicit services (e.g., pirated software, darknet activities).
Cloaking services and other gray-market tools.
Any expenses not directly related to business activities.

5.2 Specific Card Usage Rules

First-Bill Abuse: Using cards for "first-bill" abuse (pervobil / running ads without paying the initial threshold) is strictly prohibited.
Bill Settlement: You are required to settle and pay all advertising bills.
Card Closure: Cards will be forcefully closed in the event of advertising account theft or other significant violations.
Card Blocking Limits: It is forbidden to block 30% or more of your total active cards.

5.3 Permitted Digital Services

Payment for domains, hosting services, and trackers is allowed.
If working within the Google ecosystem, you are permitted to pay for Google Cloud, Google One, YouTube, and other related services, provided they are managed under a single Google payment profile.

6. Intellectual Property Rights

All content, features, and functionality (including but not limited to text, graphics, logos, and software) are the exclusive property of Flowcard and its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Services for personal or internal business use only.

7. Limitation of Liability

To the maximum extent permitted by law, Flowcard shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, data, or use, arising out of your use of the Services.

Our total liability to you for any claim arising out of these Terms shall not exceed the amount paid by you to Flowcard in the six (6) months preceding the claim.

8. Disclaimers

"As Is": The Services are provided on an "as is" and "as available" basis without warranties of any kind.
Not Financial Advice: The information provided by Flowcard (including AI insights) is for informational purposes only and does not constitute professional financial or legal advice.

9. Termination

We may suspend or terminate your account at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business interests. You may close your account at any time by contacting support and settling any outstanding balances.

10. Governing Law and Dispute Resolution

Governing Law: These Terms are governed by the laws of [Insert Your Jurisdiction/State/Country].
Arbitration: Any dispute arising out of these Terms shall be resolved through binding arbitration in [Insert City], except that you may assert claims in small claims court if they qualify.
Class Action Waiver: You agree to resolve disputes with us on an individual basis and waive any right to participate in a class-action lawsuit.

11. Amendments

We may update these Terms from time to time. We will notify you of significant changes by posting the new Terms on our website and updating the "Last Updated" date. Continued use of the Services after such changes constitutes acceptance.

12. Contact Information

If you have any questions regarding these Terms, please contact us at:

Email: support@velvexpay.com
Address:
NORDGATE FINANCIAL INC.
Incorporated under number 1001036413
6d – 7398 Yonge St Pmb 889, Thornhill, Ontario, L4J8J2, Canada
Money Service Business license number C100000791