Terms of Service

These Terms of Service govern your access to and use of the FulusFlow website, services, communications, and onboarding workflows operated by Flash Funds LLC DBA FulusFlow. By accessing or using the service, you agree to these Terms and to the accompanying Privacy Policy.

Service description

FulusFlow provides technology-enabled onboarding, transaction coordination, compliance review, and customer support for eligible cross-border digital value transfer workflows. The service currently focuses on the on-ramp phase of a broader remittance product, with users directing purchased digital assets to their own self-custodied wallets.

Funds movement is handled by regulated, licensed providers in the relevant jurisdictions. FulusFlow may use specialized third-party providers for identity verification, payment processing, wallet infrastructure, email delivery, SMS delivery, fraud prevention, and compliance support.

Eligibility

You must be legally able to enter into a binding contract and comply with applicable laws to use the service. Service is not available to residents of New York State.

FulusFlow may refuse, suspend, or terminate access where required by law, sanctions obligations, fraud prevention, internal compliance rules, or partner requirements.

Identity verification and compliance review

FulusFlow maintains customer identification, sanctions screening, and transaction monitoring controls consistent with its obligations as a FinCEN-registered Money Services Business. Users may be required to complete email, phone, device, document, selfie, address, source-of-funds, or other verification steps before a transaction is approved.

Threshold	Typical review
Below $500	Basic account, device, and contact verification.
$500 to $3,000	Government-issued ID, selfie verification, and address confirmation.
Above $3,000	Enhanced due diligence, which may include source-of-funds review and manual compliance approval.

FulusFlow may place holds, request additional information, decline transactions, or close accounts where compliance review is incomplete or risk indicators cannot be resolved.

Fees and disclosures

FulusFlow charges a disclosed service fee before transaction confirmation. Additional blockchain network costs, card processing charges, or partner-imposed fees may apply depending on the transaction route and are disclosed where applicable.

FulusFlow does not advertise hidden rate manipulation. Any pricing shown before confirmation is intended to be transparent and reviewable by the customer prior to approval.

Customer responsibilities

• Provide accurate, current, and complete information during onboarding and any compliance review.
• Use only wallets that you own or are authorized to control.
• Review transaction details carefully before authorizing a transfer.
• Maintain the security of your email account, phone number, devices, and wallet credentials.
• Use the service only for lawful purposes and not in connection with sanctioned parties, fraud, money laundering, or prohibited activity.

Transaction finality and blockchain risk

Blockchain transactions may be irreversible once submitted to the relevant network. FulusFlow is not responsible for losses caused by customer entry errors, unsupported destination wallets, unauthorized access to customer devices, market volatility, or blockchain congestion outside FulusFlow’s control.

Quoted timing may vary based on network conditions, third-party partner review, payment authorization, or compliance escalation.

No custody; no deposit relationship

FulusFlow is not a bank, trust company, depository institution, or custodian. Use of the service does not create a deposit account, securities account, fiduciary relationship, or bailment with FulusFlow.

Intellectual property and site use

The FulusFlow website, branding, copy, layout, and related materials are owned by Flash Funds LLC or used with permission. You may not copy, reverse engineer, republish, frame, or commercially exploit the service materials except as allowed by law or with written permission.

Disclaimers

The service is provided on an “as is” and “as available” basis to the maximum extent permitted by law. FulusFlow does not guarantee uninterrupted availability, approval of every transaction, availability in every jurisdiction, or compatibility with every bank, card issuer, wallet, or mobile money destination.

Limitation of liability

To the maximum extent permitted by law, FulusFlow’s aggregate liability for claims arising from or related to the service will not exceed the total service fees paid by you to FulusFlow during the 30 days preceding the event giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless Flash Funds LLC, FulusFlow, and their officers, agents, contractors, and service providers from claims, losses, liabilities, and expenses arising out of your misuse of the service, violation of law, violation of these Terms, or infringement of any rights of another person.

Governing law

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law principles, except where federal law applies and controls.

Changes to these terms

FulusFlow may update these Terms from time to time to reflect product changes, legal developments, partner requirements, or operational improvements. The updated version becomes effective when posted with a revised effective date.

Contact

Legal questions about these Terms may be sent to [email protected]. Compliance questions may be sent to [email protected].