Terms of Service

Last updated: May 16, 2026

These Terms of Service govern your use of FlowVault and its services. By accessing and using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and continued use of our services following such modifications constitutes your acceptance of the updated terms.

Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service in their entirety. We provide comprehensive resources and guides on cash flow management, liquidity planning, and financial reserve management for businesses in Hong Kong. Your access to our platform is contingent upon your acceptance of these terms. If you are using our services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms. We maintain the right to refuse service to anyone who violates these terms or for any other reason at our sole discretion.

User Obligations

As a user of our services, you agree to use our platform solely for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of our website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue within our website. You must ensure that any information you provide is accurate, current, and complete. You are responsible for maintaining the confidentiality of any account credentials and are fully responsible for all activities that occur under your account. We will not be liable for any unauthorized use of your account or any loss arising from such unauthorized use.

Intellectual Property Rights

All content provided on our website, including but not limited to text, graphics, logos, images, and financial guides relating to cash flow management and liquidity planning, is the exclusive property of our organization or our content providers. This content is protected by international copyright laws and other intellectual property regulations. You may not reproduce, distribute, transmit, display, or perform any content from our website without our prior written permission. You may not use our materials for commercial purposes or in connection with any business or commercial enterprise. Any unauthorized use of our intellectual property may result in legal action. We grant you a limited, non-exclusive, non-transferable license to view and use our content for personal, informational purposes only.

Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services, including but not limited to financial losses, lost profits, or business interruption. Our liability for any direct damages arising from your use of our website is limited to the maximum extent permitted by law in Hong Kong. The information provided on our website is for general informational purposes only and should not be construed as professional financial advice. We make no representations or warranties regarding the accuracy, completeness, or timeliness of any information on our platform. You use our services at your own risk, and we expressly disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

Termination

We reserve the right to terminate your access to our services at any time, without notice, for any reason or no reason, including if we believe you have violated these Terms of Service. Upon termination, your right to use our services will immediately cease. You may also terminate your use of our services at any time by ceasing to access our website. Any provisions of these Terms of Service that by their nature should survive termination, including intellectual property rights, liability limitations, and dispute resolution provisions, will remain in effect following any termination. We will not be liable to you or any third party for any claims arising from termination of your access or use of our services, provided such termination complies with these terms and applicable law in Hong Kong.

These terms constitute the entire agreement between you and us regarding your use of our services and supersede all prior agreements and understandings. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect. We may update these Terms of Service periodically to reflect changes in our services or legal requirements. Your continued use of our platform following any updates constitutes your acceptance of the revised terms.