Terms & Conditions
Last updated: January 1, 2026
1. Introduction
Welcome to FiscalFlow ("we," "our," or "us"). These Terms & Conditions ("Terms") govern your use of our website, services, and financial literacy tools (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of these terms, you must not access our Services.
FiscalFlow is a financial literacy and budget allocation service provider designed to help individuals and businesses manage their finances more effectively. We are committed to transparency and legal compliance in all our operations.
2. Acceptance of Terms
You acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using our Services on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms. In that case, "you" and "your" will refer to that entity.
We reserve the right to modify these Terms at any time. All changes are effective immediately when we post them. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes.
3. Services Description
FiscalFlow provides the following services:
- Personal Budgeting Tools: Interactive platforms to track income, expenses, and savings goals.
- Financial Education: Access to articles, guides, and coaching materials regarding financial literacy.
- Consultation Services: Scheduled sessions with financial advisors for personalized budget allocation advice.
We strive to ensure our Services are accurate and up-to-date; however, we do not warrant that the functions contained in the Services will be uninterrupted or error-free.
4. User Accounts and Security
4.1 Account Registration
To access certain features of the Services, you must register for an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4.2 Account Responsibilities
You agree to:
- Notify FiscalFlow immediately of any unauthorized use of your account or any other breach of security.
- Ensure that you exit from your account at the end of each session.
- Not use the account of another user at any time.
FiscalFlow reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.
5. User Conduct and Obligations
By using our Services, you agree not to:
- Use the Services for any illegal purpose or to solicit others to perform or participate in any unlawful acts.
- Impersonate any person or entity or misrepresent your affiliation with any person or entity.
- Interfere with or disrupt the Services or servers or networks connected to the Services.
- Upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services.
- Use the Services to violate any local, state, national, or international law, including but not limited to laws governing financial compliance, export control, and consumer protection.
6. Financial Advice Disclaimer
The content provided on the FiscalFlow platform is for informational and educational purposes only and does not constitute financial, investment, legal, or tax advice. The information presented is based on general financial principles and may not be suitable for your specific personal or business situation.
Before making any financial decisions, you should consult with a qualified professional advisor. FiscalFlow expressly disclaims any liability or loss incurred in connection with the use or application of the content provided on our platform.
7. Intellectual Property Rights
The Services and their original content, features, and functionality are and will remain the exclusive property of FiscalFlow and its licensors. The Services are protected by copyright, trademark, and other laws of both Ireland and foreign countries.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as permitted by law.
8. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy, which also governs the Services and informs users of our data collection practices. By using the Services, you consent to the collection and use of your information as described in our Privacy Policy.
FiscalFlow acts as a Data Controller for your personal information. We comply with the General Data Protection Regulation (GDPR) and other applicable data protection laws.
9. Termination
We may terminate or suspend your account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.
Upon termination, your right to use the Services will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
10. Limitation of Liability
To the fullest extent permitted by law, FiscalFlow, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors shall not be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of the Services.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law provisions. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Ireland.
12. Indemnification
You agree to defend, indemnify, and hold harmless FiscalFlow and our licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Services, by you or any person using your account and password; b) a breach of these terms; or c) Content posted on the Services.
13. Contact Information
If you have any questions about these Terms, please contact our Data Protection Officer or legal team at:
FiscalFlow
42 Quay Street
Galway, H91 R2K5
Ireland
Email: [email protected]
Phone: +353 61 752 7366