Terms of Service

1. Who we are and how to reach us

Flowmynt ("Flowmynt", "we", "us") supplies configurable money-movement software, white-label customer experiences and integration services to businesses. Flowmynt is operated from India. You can reach us at sanjay@flowmynt.com.

Flowmynt is a software and services business. Flowmynt is not a bank, payment institution, electronic money institution, money transmitter, remittance service provider or payment processor. Flowmynt does not hold, receive, transmit or settle funds and is not a party to any payment made by your customers.

2. Acceptance and eligibility

By accessing flowmynt.com (the "Website"), requesting a proposal, signing an Order or paying an invoice, you agree to these Terms of Service (the "Terms"). If you do not agree, do not use the Website or the Services.

The Services are offered to businesses only. You confirm that you are at least 18 years old, that you act for a company, partnership, sole trader or other organisation ("Client", "you") and that you have authority to bind it. Consumers may read the Website but the Services are not offered to consumers.

3. Definitions

In these Terms:

• "Software" means the Flowmynt platform, white-label web and mobile applications, operating tools, connectors, configuration files, documentation and any updates that Flowmynt makes available to you.
• "Services" means the licensing, configuration, integration, implementation, maintenance, support, codebase management and other work described in an Order.
• "Order" means a proposal, quotation, statement of work, email confirmation or invoice issued by Flowmynt and accepted by you that describes the Software, Services, fees and scope. Each Order incorporates these Terms.
• "Provider" means any bank, payment institution, payout partner, card issuer, account provider, identity or verification service, WhatsApp Business solution provider or other third party that you appoint to deliver regulated or third-party services.
• "Client Data" means data, content, branding, records and personal data that you or your customers supply to Flowmynt or that the Software processes on your behalf.
• "Fees" means the amounts stated in an Order or on the Website pricing pages.
• "Documentation" means the operating guidance, configuration notes and technical descriptions Flowmynt provides for the Software.

4. The Website

The Website describes Flowmynt's products and services. Content on the Website is general information, not an offer capable of acceptance, financial advice, legal advice or a representation that any product is available in a particular market. Availability of payment methods, currencies, corridors, licences, settlement timing and provider coverage is confirmed for each Client during onboarding and depends on the Providers you appoint.

Interactive demonstrations, chat mock-ups, sample amounts, sample names and product artwork on the Website illustrate the product story. They do not execute transactions and do not depict real customers or real transactions.

Where the Website describes a feature as coming soon, planned or in early access, that feature is not available and Flowmynt gives no commitment as to whether or when it will be released.

5. Orders, proposals and scope

Every engagement starts with a review. You share your platform, Providers, launch markets and the journeys you want. Flowmynt confirms compatibility, access, dependencies and scope, then issues an Order. Work starts when the Order is accepted and any initial Fee is paid.

Standard pricing on the Website describes standard scope. For the WhatsApp payment integration, standard setup covers one agreed customer journey connected to your existing system and one Provider. Additional journeys, additional Providers, custom development, significant changes and work outside the Order are quoted separately or charged at the hourly rate in the Order.

Launch timelines are estimates. The 7-day standard launch described on the Website starts only after your operating licence checks, branding, Provider access, WhatsApp Business account approvals, test environments and other dependencies listed in the Order are ready. Delays caused by you, your Providers or third parties extend the timeline accordingly.

6. Fees, invoicing and payment

Fees are stated in United States dollars unless the Order says otherwise. All Fees are exclusive of taxes. You are responsible for applicable GST, VAT, sales tax, withholding tax and similar charges; where withholding applies you will gross up so that Flowmynt receives the full Fee.

Current standard Fees are shown on the Website: a one-time software licence with a monthly maintenance fee, an hourly rate for new tasks and change requests, a monthly codebase-management option, and a one-time setup fee plus monthly maintenance for the WhatsApp payment integration. The Order prevails over the Website if they differ.

One-time Fees are invoiced on acceptance of the Order and are payable before work begins. Monthly Fees are invoiced in advance and are payable within 14 days of the invoice date unless the Order states otherwise. Hourly work is invoiced monthly in arrears.

Overdue amounts accrue interest at 1.5% per month or the maximum rate permitted by law, whichever is lower, and Flowmynt may suspend Services after 10 days' written notice of non-payment. You reimburse reasonable collection costs.

WhatsApp messaging charges, Provider fees, hosting, app store fees, domain, SMS, email and other third-party charges are separate and are payable by you directly or, where Flowmynt pays them on your behalf, reimbursed at cost.

7. Refunds

Because Flowmynt begins review and configuration work as soon as an Order is accepted, one-time Fees are non-refundable once work has started. If Flowmynt is unable to start work because of a compatibility issue it identifies in the review, Flowmynt refunds the one-time Fee less any review work agreed in the Order.

Monthly Fees for the current billing period are non-refundable. You may stop future monthly Fees by giving notice under Section 16.

Nothing in this Section limits any refund right that applies under mandatory law.

8. Software licence

Subject to payment of the Fees and compliance with these Terms, Flowmynt grants you a non-exclusive, non-transferable, non-sublicensable licence to use the Software, in object code form, for your internal business purposes and to make the white-label experiences available to your own customers under your brand, in the markets stated in the Order.

The one-time licence described on the Website continues for as long as you comply with these Terms. Maintenance, updates, compatibility work and support are provided only while the monthly maintenance Fee is paid.

You must not, and must not allow anyone else to: copy the Software except for reasonable backup; modify, translate, reverse engineer, decompile or disassemble it except to the extent permitted by law; remove proprietary notices; rent, lease, resell, host for or otherwise make the Software available to third parties other than your customers through the white-label experience; use the Software to build a competing product; or use the Software in breach of the Acceptable Use Policy.

Where an Order provides for transfer of source code or ownership of a codebase, that transfer is governed by the Order and takes effect only when the Fees for it are paid in full. Until then, Flowmynt retains all rights.

9. Services

Flowmynt performs the Services with reasonable skill and care, using suitably qualified people, in accordance with the Order and the Documentation.

You will provide in good time the cooperation, information, approvals, access and environments listed in the Order, including Provider credentials and API documentation, WhatsApp Business account access, test data, brand assets and a named contact with authority to approve deliverables.

Deliverables are accepted when you confirm acceptance in writing or use them in production, or 10 business days after delivery if you have not notified specific material non-conformities, whichever comes first. Flowmynt will correct material non-conformities notified within that period at no extra charge.

Maintenance covers integration health checks, bug fixes for the delivered integration, routine API and platform compatibility updates and support for the agreed journey during business hours in India, by email and WhatsApp. It excludes new features, new journeys, new Providers, changes required by your own system changes and work caused by misuse, unless the Order says otherwise.

Under the codebase-management option, Flowmynt manages your existing codebase within the hours and scope stated in the Order. You remain the owner of that codebase and responsible for its licences and hosting.

10. Your responsibilities and regulatory compliance

You are solely responsible for obtaining and maintaining every licence, registration, authorisation and Provider agreement required to offer your products to your customers in each market, including payment, e-money, remittance, lending, consumer protection, sanctions, anti-money-laundering and counter-terrorist-financing requirements.

You appoint and contract with the Providers. Providers authorise, process and settle payments, hold funds, perform identity checks and deliver regulated services under your agreements with them. Flowmynt's Software and Services connect your systems to those Providers and present the customer journey; they do not replace any Provider function.

You are responsible for your customers' authorisation and authentication, for the accuracy of transaction instructions entered by your customers, for customer support, complaints, refunds and chargebacks, for your customer-facing terms and privacy notices, and for the lawfulness of the messages you send through WhatsApp and any other channel.

You will use the WhatsApp channel only in compliance with the WhatsApp Business Terms, the WhatsApp Business Messaging Policy, template approval rules, opt-in requirements and the telemarketing and messaging laws of each market, including TRAI regulations in India and equivalent rules elsewhere.

11. Third-party services

The Software relies on Providers, on WhatsApp and Meta platforms, on hosting and on other third-party services that you select or that are named in the Order. Those services are governed by their own terms. Flowmynt is not responsible for their availability, changes to their APIs, policies or pricing, or their decisions to approve, restrict or terminate your accounts.

Any integration with AI assistants or other channels described on the Website as coming soon will be subject to a separate Order and to the terms of the relevant assistant provider.

12. Intellectual property

Flowmynt and its licensors own all intellectual property rights in the Software, the Documentation, the Website and all improvements, templates, connectors and know-how developed by Flowmynt, including anything developed in the course of the Services unless an Order expressly assigns it to you.

You own your brand, your trade marks, your Client Data and your existing systems. You grant Flowmynt a non-exclusive licence to use them to perform the Services and, where you agree in writing, to name you as a client.

If you give Flowmynt feedback or suggestions, Flowmynt may use them without restriction or payment.

Third-party and open-source components included in the Software are licensed under their own terms, which take precedence for those components.

13. Confidentiality

Each party will keep the other's confidential information (including Orders, pricing, technical details, Provider arrangements and business plans) confidential, use it only to perform or receive the Services and disclose it only to personnel and advisers who need to know and are bound by equivalent obligations. These duties do not apply to information that is public, already known, independently developed or required to be disclosed by law, and they survive for 5 years after the last Order ends, or indefinitely for trade secrets.

14. Data protection and security

Where Flowmynt processes personal data on your behalf in the course of the Services, Flowmynt acts as your processor and the Data Processing Addendum forms part of these Terms. You are the controller of your customers' personal data and warrant that you have a lawful basis and any required consents and notices for that processing, including for it to be shared with Flowmynt and your Providers.

Flowmynt's processing of personal data for its own purposes, such as responding to enquiries and managing the Client relationship, is described in the Privacy Policy.

Flowmynt maintains an information security programme with technical and organisational measures appropriate to the Services, designed to meet the requirements of PSD2 strong customer authentication, ISO/IEC 27001 controls, SOC 2 trust services criteria, PCI DSS scope reduction and GDPR data minimisation, as described on the Website and in the Data Processing Addendum. Card data is entered on Provider-hosted pages and is not stored by the Software. Unless an Order expressly states otherwise, Flowmynt does not represent that it holds a particular certification or audit report.

15. Warranties and disclaimers

Flowmynt warrants that the Services will be performed with reasonable skill and care and that, for 30 days after acceptance, the Software will perform substantially in accordance with the Documentation. Your sole remedy for breach of these warranties is for Flowmynt to re-perform the affected Services or correct the Software, or, if Flowmynt cannot do so within a reasonable time, to refund the Fees paid for the affected deliverable.

Except as expressly stated in these Terms, the Software, the Services and the Website are provided "as is" and Flowmynt disclaims all other warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, uninterrupted or error-free operation and that any transaction will be authorised, completed or settled.

Flowmynt does not provide financial, regulatory, tax or legal advice. Statements about markets, Providers, timelines, conversion, security frameworks and compliance describe how the Software and Services are designed and operated; they are not guarantees of a regulatory outcome for your business.

16. Term, termination and suspension

An Order for a one-time licence or setup ends when the deliverables are accepted, subject to the continuing licence in Section 8. Monthly maintenance and codebase management run month to month from the date in the Order and renew automatically until either party gives at least 30 days' written notice ending on the last day of a billing month.

Either party may terminate an Order on written notice if the other materially breaches these Terms and fails to cure within 30 days of notice, becomes insolvent or ceases business. Flowmynt may terminate immediately if you lose a licence or Provider relationship required for lawful use, use the Software in breach of Section 10 or the Acceptable Use Policy, or fail to pay within 30 days of a suspension notice.

On termination: Fees due up to the effective date remain payable; maintenance, support and updates stop; licences granted under a fully paid one-time Order continue unless termination was for your breach; and each party returns or deletes the other's confidential information, subject to the Data Processing Addendum and legal retention duties.

Flowmynt may suspend access to hosted components or stop work where necessary to protect the Software, other clients or Providers from a security risk, unlawful activity or non-payment, and will restore it promptly once the issue is resolved.

17. Limitation of liability

Nothing in these Terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for wilful misconduct, or for any liability that cannot be limited by law.

Subject to that, neither party is liable for loss of profits, revenue, business, goodwill, anticipated savings or data, for regulatory fines or Provider penalties imposed on the other party, or for indirect, special or consequential loss, even if advised of its possibility.

Subject to the above, each party's total aggregate liability arising out of or in connection with an Order, in contract, tort (including negligence), statute or otherwise, is limited to the Fees paid by you under that Order in the 12 months before the event giving rise to the claim, or US$1,000 if greater. Your obligation to pay Fees is not limited by this Section.

Flowmynt is not liable for transactions initiated by your customers, for decisions made by Providers, for funds in transit, for outages of WhatsApp, Meta, Providers or hosting services, or for losses caused by your failure to hold the licences and approvals described in Section 10.

18. Indemnities

You will defend and indemnify Flowmynt against claims, fines, losses and costs arising from your or your customers' use of the Software and Services in breach of law or these Terms, from your regulatory status or lack of licences, from your Providers, from your customer relationships, from Client Data, and from messages sent through the WhatsApp channel or any other channel on your instructions.

Flowmynt will defend and indemnify you against third-party claims that the Software, as delivered by Flowmynt and used in accordance with these Terms, infringes that third party's intellectual property rights. Flowmynt may modify or replace the Software, obtain a licence, or terminate the affected Order and refund unused Fees. This indemnity does not cover modifications not made by Flowmynt, combinations with other systems, Provider services or use after notice to stop.

The indemnified party must notify the other promptly, allow it to control the defence and settlement, and give reasonable assistance.

19. Publicity

Flowmynt may name you as a client and use your logo in client lists and case studies only with your prior written consent, which you may withdraw at any time for future use.

20. Changes to these Terms and to the Services

Flowmynt may update these Terms by publishing the new version on the Website with a new effective date. Changes apply to new Orders immediately and to existing Orders 30 days after notice by email, unless required earlier by law. If a change materially reduces your rights under an existing Order, you may terminate that Order by written notice within those 30 days.

Flowmynt may improve or modify the Software provided that it does not materially reduce the functionality you have paid for during the current maintenance period.

21. General

• Force majeure: neither party is liable for delay or failure caused by events beyond its reasonable control, including Provider or platform outages, internet failures, epidemics, war, strikes, regulatory action or acts of government, provided it notifies the other and mitigates the effect. Payment obligations are not excused.
• Assignment: you may not assign or transfer an Order without Flowmynt's written consent. Flowmynt may assign to a successor of its business or to an affiliate on notice.
• Subcontracting: Flowmynt may use subcontractors, including Exekova, to perform the Services and remains responsible for their work.
• Notices: notices must be in writing and sent by email to sanjay@flowmynt.com (for Flowmynt) or to the email address in your Order (for you), and are deemed received on the next business day.
• Sanctions and export: each party confirms it is not subject to sanctions and will comply with applicable export control and sanctions laws. You will not use the Software for transactions involving sanctioned persons, countries or activities.
• Anti-bribery: each party will comply with applicable anti-bribery and anti-corruption laws.
• Entire agreement: these Terms, the Acceptable Use Policy, the Data Processing Addendum, the Privacy Policy and each Order form the entire agreement for their subject matter and supersede prior discussions. Order terms prevail over these Terms in case of conflict for that Order.
• Severability and waiver: if any provision is unenforceable it will be modified to the minimum extent necessary and the rest remains in force. A delay in enforcing a right is not a waiver.
• Relationship: the parties are independent contractors. No partnership, agency or employment is created.
• Third parties: no one other than the parties has any right to enforce these Terms.
• Language: these Terms are in English. Translations are for convenience only.

22. Governing law and disputes

These Terms and every Order are governed by the laws of India, without regard to conflict-of-law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

The parties will first try to resolve any dispute through good-faith discussion between senior representatives within 30 days of written notice. Any dispute not resolved in that period will be finally settled by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by agreement or, failing agreement, in accordance with that Act. The seat of arbitration is New Delhi, India, and the language is English. Either party may seek interim or injunctive relief from a competent court to protect intellectual property or confidential information.

If you are a Client outside India, the parties may agree in the Order to a different governing law, seat or institutional rules.

23. Contact

Questions about these Terms: sanjay@flowmynt.com.