Terms of Service

1. Scope

These Terms apply to:

Additional terms, disclosures, or agreements may apply to specific services, products, or workflows.

• your use of this website
• your use of any public-facing content
• any support interactions with CardsFlow
• any account or service workflow governed by these Terms and related policies

2. Eligibility and lawful use

You may use this site and any related services only for lawful purposes and in accordance with these Terms.

You agree not to use the site or services for:

Please review our Prohibited Use policy.

• unlawful activity
• deceptive or misleading payment behavior
• fraud or abuse
• unauthorized access
• misuse of content, accounts, or workflows
• any activity prohibited by our policies

3. Supported workflows

The site and service content are designed around clearly defined, lawful use cases such as:

Not every workflow is supported. If a use case falls outside the stated scope, you should contact support before relying on the service.

• ad spend management
• travel spend management
• online service subscriptions

4. Site content and informational materials

Content on this site is provided for general informational purposes.

It is intended to explain product capabilities, supported workflows, policies, and operational concepts. It does not constitute legal, accounting, tax, compliance, or professional advice.

You are responsible for evaluating whether the site or service is appropriate for your own circumstances.

5. Accounts and user responsibility

If you create or use an account, you are responsible for:

• keeping account credentials secure
• restricting access to authorized users
• providing accurate information where required
• reviewing account activity
• notifying us promptly of suspected misuse or unauthorized activity

6. Fees, disclosures, and payment-related terms

Fees, payment methods, and relevant service disclosures are described on the website or in related service materials where applicable.

You should review the following before relying on the service:

7. Prohibited conduct

You agree not to:

We may suspend, limit, or terminate access if we reasonably suspect prohibited or abusive conduct.

• misuse the service
• attempt to bypass restrictions or controls
• interfere with site operation
• use the service for prohibited or unsupported activities
• access or attempt to access data, systems, or accounts without authorization

8. Intellectual property

Unless otherwise stated, the content, branding, design elements, and site materials are owned by CardsFlow or used with permission.

You may not reproduce, distribute, modify, or commercially exploit site content without prior written permission, except as allowed by law.

9. Third-party services and links

The site may include links to third-party websites, tools, or services. We are not responsible for third-party content, availability, policies, or practices.

10. Disclaimers

The website and services are provided on an “as is” and “as available” basis unless otherwise required by law.

We do not guarantee that:

• the site will always be available
• all content will always be free from error
• every workflow will be supported in every context
• every payment scenario will be appropriate for the service

11. Limitation of liability

To the maximum extent permitted by law, CardsFlow will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the site or services.

Nothing in these Terms limits liability where such limitation is prohibited by law.

12. Indemnification

You agree to indemnify and hold harmless CardsFlow, its affiliates, personnel, and service providers from claims, liabilities, losses, and expenses arising out of your misuse of the site or violation of these Terms, to the extent permitted by law.

13. Changes to the Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of the page.

Continued use after changes are posted may constitute acceptance of the updated Terms, unless otherwise required by law.

14. Governing law

These Terms are governed by applicable law based on your jurisdiction and the decentralized operations of the protocol, unless otherwise required by law.

15. Contact

For questions about these Terms, contact: