Terms of Service

1. Acceptance of Terms

By accessing and using Flow ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Flow is a free, browser-based tool that allows users to visualize their bank transaction data through Sankey diagrams. The Service processes data locally on the user's device and does not store or transmit financial information to external servers.

3. User Responsibilities

By using Flow, you agree to:

• Use the Service only for lawful purposes
• Only upload data that you have the right to access and process
• Not attempt to reverse engineer, modify, or distribute the Service
• Not use the Service in any way that could damage or overload our systems
• Accept responsibility for the security of your own device and data

4. Intellectual Property

The Service, including its design, features, and code, is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without express written permission.

5. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the accuracy of categorization or analysis
• Warranties that the Service will meet your specific requirements

6. Limitation of Liability

In no event shall Flow, its creators, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of the Service or inability to use the Service.

7. Financial Advice Disclaimer

Flow is a visualization tool only and does not provide financial, investment, tax, or legal advice. The categorization and analysis provided by the Service are for informational purposes only. You should consult with qualified professionals for financial advice tailored to your specific situation.

8. Data Processing

You acknowledge that all data processing occurs locally on your device. Flow does not store, transmit, or have access to the financial data you upload. You are solely responsible for the security and backup of your own data.

9. Third-Party Services

The Service may include advertisements served by third parties such as Google AdSense. These third parties may collect information about your visits to this and other websites. We are not responsible for the practices or content of these third-party services.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Service after any changes indicates your acceptance of the modified terms.

11. Termination

We reserve the right to terminate or suspend access to the Service at any time, without prior notice, for any reason, including breach of these Terms of Service.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

13. Contact

If you have any questions about these Terms of Service, please contact us through our contact page.