Terms of Use

1. Acceptance of Terms

By accessing or using the website fluens.finance (the "Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Website.

These Terms apply to all visitors, enquirers, and users of the Website. Fluens Finance ("Fluens", "we", "us", or "our") reserves the right to amend these Terms at any time. Continued use of the Website following any changes constitutes acceptance of the revised Terms.

2. Nature of Services — Important Disclaimer

Fluens provides corporate treasury advisory, banking account matching, and payment service provider (PSP) introduction services. Our work is introductory and facilitative in nature.

Fluens Finance is not authorised or regulated by the Financial Conduct Authority (FCA), the Financial Services Authority (Isle of Man), or any other financial services regulator. Nothing on this Website, and nothing communicated by Fluens in the course of an engagement, constitutes:

3. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

4. Intellectual Property

All content on the Website — including text, graphics, logos, icons, images, and the overall design — is the property of Fluens Finance or its content suppliers and is protected by applicable intellectual property laws.

You may view and print pages from the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written permission.

5. Accuracy of Information

We endeavour to keep the information on the Website accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website or the information contained on it.

The Website is provided on an "as is" and "as available" basis. We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice.

6. Third-Party Links

The Website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of a link does not imply endorsement of the linked site by Fluens.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Fluens Finance excludes all liability for:

8. Confidentiality of Enquiries

Information submitted through the consultation intake form is treated as confidential. We will not disclose the details of your enquiry to third parties without your consent, except as required by law or as necessary to assess and respond to your enquiry.

Submitting an enquiry does not create a client relationship or any obligation on the part of Fluens to provide services.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

10. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Isle of Man. Any disputes arising in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of the Isle of Man, without prejudice to any mandatory consumer protection rights you may have under the law of your country of residence.

11. Contact

If you have any questions about these Terms of Use, please contact us at legal@fluens.finance or via the contact form at fluens.finance/contact.