Terms of Service

Last updated: November 2025

1. Agreement to Terms

By accessing or using the Flow mobile application ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the App.

2. Description of Service

Flow is a budgeting and financial management application that helps users manually track expenses, categorize transactions, set financial goals, and manage their budgets. The App provides both free and premium features (described below).

Free Features: Basic expense tracking, manual transaction entry, budget categories, spending insights, and essential budgeting tools.

Premium Features: Advanced analytics, unlimited budget categories, priority support, data export, and additional customization options. Premium features require a paid subscription.

3. User Accounts

When you create an account with us, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Maintain the security of your account credentials
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized access

4. Acceptable Use

You agree not to:

  • Use the App for any illegal purpose or in violation of any laws
  • Attempt to gain unauthorized access to the App or its systems
  • Interfere with or disrupt the App's functionality
  • Use the App to transmit viruses, malware, or harmful code
  • Reverse engineer, decompile, or disassemble the App
  • Use automated systems to access the App
  • Share your account with others

5. Intellectual Property

The App and its original content, features, and functionality are owned by Flow and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You retain all rights to the financial data you input into the App.

6. Subscription and Payments

Flow offers a freemium model: core budgeting features are free, and premium features require a paid subscription purchased through the Apple App Store.

Apple App Store Subscriptions: All premium subscriptions are processed by Apple through the App Store. Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period.

Managing Subscriptions: You can manage and cancel your subscription by going to your iOS Settings → [your name] → Subscriptions. Subscriptions cannot be canceled through the Flow app directly; you must use Apple's subscription management.

Refunds: Refund requests are handled by Apple according to their refund policy. We do not process refunds directly. To request a refund, visit reportaproblem.apple.com or contact Apple Support.

Free Trial: If a free trial is offered, you will be charged the subscription price when the trial ends unless you cancel before the trial period expires.

7. Disclaimers

Financial Advice: Flow is a budgeting tool and does not provide financial, investment, or tax advice. You should consult with qualified professionals for such advice.

Accuracy: While we strive for accuracy, we do not guarantee that the App will be error-free or uninterrupted. You are responsible for verifying the accuracy of all calculations and data.

No Warranty: The App is provided "as is" without warranties of any kind, either express or implied.

8. Limitation of Liability

To the maximum extent permitted by law, Flow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the App.

9. Manual Data Entry

Flow is a manual entry budgeting app. You are responsible for entering all transaction data, amounts, categories, and notes. We do not connect to bank accounts or automatically import transactions.

Data Backup: While we implement backup procedures, you are responsible for maintaining your own backup of any financial data you input into the App. Premium users can export their data for backup purposes. We are not responsible for any loss of data.

10. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the App will immediately cease. You may also delete your account at any time through the App settings.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the App after such modifications constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of the App shall be resolved in the appropriate courts of competent jurisdiction in the State of California.

13. Contact Information

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