Terms of service.

These Terms of Service ("Terms") form a legally binding agreement between Floowed Pte. Ltd., a company incorporated in Singapore ("Floowed", "we", "us", or "our"), and the person or entity accessing or using the Service ("Client", "you", or "your").

By accessing, registering for, purchasing, or using the Service, you agree to be bound by these Terms. If you are accepting these Terms on behalf of a company or other legal entity, you represent and warrant that you have authority to bind that entity, and "you" and "your" will refer to that entity. If you do not agree to these Terms, you must not access or use the Service.

01Definitions

In these Terms:

"Account" means the registered account through which you access and use the Service.

"Authorized Users" means your employees, contractors, and other personnel whom you permit to access and use the Service on your behalf.

"Client Data" means all data, documents, content, information, credentials, prompts, workflow inputs, workflow outputs, and other materials submitted to, uploaded to, transmitted through, or processed by the Service by or on behalf of you.

"Credits" means the units of platform usage consumption allocated to your Account or purchased by you, and used to access workflows, processors, automations, integrations, API calls, or other Service functionality.

"Documentation" means any user guides, product descriptions, technical materials, pricing descriptions, or usage instructions made available by Floowed for the Service.

"Order Form" means any ordering document, checkout page, subscription screen, pricing page, proposal, statement of work, or similar commercial document accepted by you and Floowed that describes the applicable subscription plan, pricing, Credits, and related commercial terms.

"Privacy Policy" means Floowed's privacy policy, as updated from time to time.

"Service" means the Floowed hosted software platform, including associated workflows, processors, automations, integrations, user interfaces, and related services made available by Floowed.

"Subscription Term" means the subscription period specified in the applicable Order Form or, if no period is specified, the recurring billing period selected by you at signup.

02Eligibility and Authority

You may use the Service only if you are legally capable of entering into a binding contract and are not prohibited from doing so under applicable law.

If you are using the Service on behalf of a company or other organisation, you are responsible for ensuring that all Authorized Users comply with these Terms, and you remain fully liable for all acts and omissions of your Authorized Users.

03The Service

3.1 Access Right

Subject to these Terms and timely payment of all applicable fees, Floowed grants you a limited, non-exclusive, non-transferable, non-sublicensable right during the applicable Subscription Term to access and use the Service for your internal business purposes.

3.2 Service Changes

We may modify, enhance, update, replace, or discontinue features, functionality, processors, integrations, or parts of the Service from time to time. We will use commercially reasonable efforts to avoid materially reducing the core paid functionality of the Service during an active Subscription Term, except where such change is necessary for security, legal, regulatory, technical, or third-party dependency reasons.

3.3 Beta or Preview Features

Any beta, pilot, preview, early access, evaluation, or similar features are provided on an "as is" and "as available" basis, may be changed or withdrawn at any time, and may be subject to additional terms.

04Accounts and Security

4.1 Account Registration

You must provide accurate, complete, and current information when creating an Account and must keep that information updated.

4.2 Account Responsibility

You are responsible for:

• (a) maintaining the confidentiality of your login credentials and access tokens;
• (b) all activities that occur under your Account;
• (c) managing access permissions for your Authorized Users; and
• (d) promptly notifying Floowed of any suspected unauthorized access, misuse, or security incident affecting your Account.

4.3 Administrative Users

If your Account includes administrative users, those users may manage settings, billing, users, integrations, workflow permissions, usage limits, and data access. You are responsible for the acts and omissions of your administrative users.

05Subscription Term, Renewal, and Cancellation

5.1 Subscription Term

Your Subscription Term begins on the date your subscription is activated and continues for the period stated in the applicable Order Form or billing settings.

5.2 Auto-Renewal

Unless otherwise stated in an Order Form, subscriptions automatically renew for successive periods equal to the then-current Subscription Term unless cancelled before the next renewal date.

5.3 Cancellation by Client

You may cancel your subscription through the Service or by written notice to Floowed. Unless required by law or expressly agreed by Floowed in writing, cancellation does not entitle you to a refund for fees already paid.

5.4 Changes to Plans

You may upgrade, downgrade, or otherwise change your plan where permitted by the Service. Plan changes may take effect immediately or at the start of the next billing cycle, as specified in the platform or applicable Order Form.

06Fees, Billing, Taxes, and Credits

6.1 Fees and Advance Payment

All fees are payable in advance unless otherwise agreed in writing. Your access to the Service is conditional upon successful payment of all applicable fees.

6.2 Billing Authorization

You authorize Floowed and its payment processors to charge your selected payment method for all subscription fees, overage charges, purchased Credits, auto-top-ups, applicable taxes, and other amounts due under these Terms.

6.3 Credits

Platform usage may be measured in Credits. Your subscription plan or Order Form determines the Credits allocated to your Account for each billing cycle.

6.4 Credit Exhaustion and Workflow Suspension

If your available Credits are exhausted, Floowed may suspend or restrict some or all Service functionality, including active workflows, queued runs, processors, automations, or integrations, until your Credits are replenished, your next billing cycle begins, or additional Credits are purchased. Floowed is not liable for delayed, skipped, or failed workflow executions resulting from exhausted Credits, budget caps, payment failures, or suspension settings.

6.5 Auto-Top-Ups and Usage Caps

Where available, you may enable automatic top-ups, overages, budget extensions, or similar billing features through the Service. Any usage cap, billing threshold, auto-top-up, or payment authorization configured by you or your authorized administrator within the platform is binding and enforceable.

6.6 No Carry-Over

Unless expressly stated otherwise in an Order Form, unused Credits expire at the end of the applicable billing cycle. Credits are non-transferable, non-refundable, and have no cash value.

6.7 Credit Conversion Changes

Floowed may change the Credit consumption rate applicable to workflows, processors, integrations, API calls, automations, or other Service functionality. If such change is materially adverse, Floowed will provide at least thirty (30) days' prior notice, and the revised rate will apply no earlier than the next billing cycle following that notice.

6.8 Late or Failed Payments

If any payment is overdue or fails, Floowed may suspend or terminate your access to the Service, disable workflows, revoke Credits, or require updated billing information before restoring access.

6.9 Taxes

All fees are exclusive of taxes, duties, levies, withholding taxes, GST, VAT, sales taxes, or similar governmental charges, unless expressly stated otherwise. You are responsible for all such taxes except taxes based on Floowed's net income.

6.10 No Refunds

Except as required by law or expressly agreed by Floowed in writing, all fees and charges are non-cancellable and non-refundable.

6.11 Pricing Changes

Floowed may change its subscription fees, plan pricing, overage charges, purchased Credit pricing, and other charges for the Service from time to time by providing prior notice through the Service or by email.

For subscriptions purchased on a month-to-month, auto-renewing, or other non-committed basis, any pricing change will apply no earlier than the start of the next billing cycle or renewal term following at least thirty (30) days' prior notice.

For subscriptions purchased on a committed term basis, the subscription fees and plan pricing stated in the applicable Order Form will remain unchanged during the then-current committed term, unless otherwise expressly stated in the applicable Order Form or agreed in writing by the parties. Any pricing change for a committed term subscription will apply no earlier than the start of the next renewal term.

For clarity, this Section 6.11 does not limit Floowed's right to change Credit consumption rates under Section 6.7.

07Acceptable Use

You must not, and must not permit any other person to:

• (a) use the Service in violation of any applicable law, regulation, sanctions regime, court order, or third-party right;
• (b) submit, process, or transmit unlawful, infringing, defamatory, fraudulent, abusive, harassing, deceptive, or otherwise improper content;
• (c) use the Service to develop, transmit, or facilitate malware, harmful code, spam, phishing, credential harvesting, denial-of-service activity, or other malicious or disruptive activity;
• (d) reverse engineer, decompile, disassemble, copy, mirror, scrape, or attempt to derive source code, trade secrets, or underlying ideas from the Service, except to the extent such restriction is prohibited by law;
• (e) bypass or attempt to bypass Credits, usage controls, security measures, or technical restrictions;
• (f) use the Service to build or offer a competing product or service;
• (g) interfere with or disrupt the integrity, security, or performance of the Service or any connected system; or
• (h) use the Service for regulated or high-risk activities without taking full responsibility for all required notices, consents, human review, approvals, disclosures, monitoring, and compliance processes.

08Client Responsibilities

You are solely responsible for:

• (a) your workflows, business logic, configurations, prompts, mappings, automations, and decisions made using the Service;
• (b) the legality, accuracy, quality, integrity, and rights clearance of Client Data;
• (c) obtaining all rights, consents, and notices necessary for Floowed and its service providers to lawfully process Client Data to provide the Service;
• (d) reviewing, validating, and approving all outputs generated through the Service before relying on them for any business, operational, financial, legal, regulatory, compliance, or customer-facing purpose;
• (e) ensuring your use of the Service complies with all applicable laws and regulations; and
• (f) the configuration of workflows, prompts, routing rules, mappings, triggers, recipients, approvals, and integration settings, and any results generated from those configurations.

09Regulatory Compliance

The Service is a technology platform only and does not provide legal, regulatory, accounting, tax, audit, investment, lending, credit, employment, compliance, or other professional advice.

If you use the Service for workflows involving regulated sectors or activities, including lending, payments, employment, healthcare, identity verification, KYC, AML, or personal data processing, you remain solely responsible for determining whether your workflows, notices, consents, recordkeeping, reviews, approvals, and outputs comply with all applicable laws and regulatory requirements. Any output generated by the Service must not be treated as a substitute for human judgment, internal review, or professional advice.

10Third-Party Services and Integrations

10.1 Third-Party Dependencies

The Service may interoperate with third-party services, APIs, platforms, software, data providers, email providers, cloud services, and other external systems ("Third-Party Services").

10.2 Client-Provided Credentials

Where you provide your own API keys, credentials, accounts, or subscriptions for Third-Party Services, you are solely responsible for:

• (a) obtaining and maintaining those credentials and rights;
• (b) all fees, consumption, overages, and usage imposed by those Third-Party Services; and
• (c) compliance with the third party's applicable terms.

10.3 Floowed-Managed Integrations

For certain processors or integrations, Floowed may procure or manage the relevant third-party service and reflect related costs through Credits, usage pricing, or other charges.

10.4 No Responsibility for Third-Party Services

Floowed does not control and is not responsible for the availability, accuracy, legality, performance, security, uptime, pricing, acts, omissions, or changes of any Third-Party Service. If a Third-Party Service becomes unavailable, changes functionality, changes pricing, restricts access, or ceases to interoperate with the Service, Floowed will not be liable for resulting disruption.

10.5 Third-Party Data and Workflow Dependencies

Floowed is not responsible for errors, omissions, delays, failures, or inaccurate results arising from Client Data, customer-configured workflows, prompts, mappings, instructions, routing rules, approvals, connected Third-Party Services, or third-party data sources.

11Intellectual Property

11.1 Floowed Ownership

As between the parties, Floowed and its licensors own all right, title, and interest in and to the Service, Documentation, software, processors, nodes, interfaces, templates, workflows provided by Floowed, platform architecture, know-how, and all related intellectual property rights.

11.2 Limited License to Client

Subject to these Terms, Floowed grants you only the limited usage rights expressly stated in these Terms. No ownership rights are transferred to you.

11.3 Client Workflows and Configurations

As between the parties, you retain ownership of the specific business rules, workflow configurations, prompts, mappings, and Client Data that you create or submit, to the extent independently protectable by law. Floowed retains ownership of the underlying platform, software, processors, orchestration engine, interfaces, templates, and system architecture used to create, run, or host such workflows.

11.4 Feedback

If you provide suggestions, feedback, ideas, improvement requests, or recommendations relating to the Service, Floowed may use them without restriction and without obligation to you.

12Client Data, Privacy, and Security

12.1 Ownership of Client Data

As between the parties, you retain all right, title, and interest in and to Client Data.

12.2 Limited Processing Rights

You grant Floowed a non-exclusive, worldwide, limited right to host, copy, process, transmit, store, display, and otherwise use Client Data only as necessary to:

• (a) provide, secure, support, and improve the Service;
• (b) prevent fraud, abuse, or security threats;
• (c) comply with law; and
• (d) enforce these Terms.

12.3 Privacy and Data Processing

To the extent Floowed processes personal data on your behalf in providing the Service, such processing is governed by the Privacy Policy and by the Floowed Data Processing Agreement, which is incorporated into these Terms by reference and applies automatically wherever Floowed processes personal data on your behalf. The current list of sub-processors is published at floowed.com/policies/subprocessors.

12.4 Security Measures

Floowed will implement and maintain commercially reasonable administrative, organisational, physical, and technical safeguards designed to protect Client Data against unauthorized access, use, disclosure, alteration, or destruction.

12.5 Third-Party Processing

You acknowledge and agree that the Service may use third-party infrastructure, subprocessors, cloud providers, communication providers, and integration partners to host, transmit, or process Client Data as reasonably necessary to provide the Service. If you configure a workflow to send Client Data to a Third-Party Service, you authorize that transmission as part of your use of the Service.

12.6 International Transfers

You acknowledge that Client Data may be processed in Singapore and other jurisdictions where Floowed or its service providers operate. Where personal data is transferred cross-border or outside its country of origin, the parties remain responsible for complying with applicable data protection laws.

12.7 Data Retention and Deletion

During an active subscription, Client Data may remain accessible through the Service, subject to the Service's functionality and your plan limits. Following termination or expiration, Floowed may retain Client Data for a limited period for backup, legal, security, fraud prevention, billing, or operational purposes, after which it may delete Client Data in accordance with its retention practices.

12.8 Data Export

Unless expressly stated in an Order Form, Floowed is not obligated to provide custom export, migration, transformation, or transition services upon termination. Where export functionality exists within the Service, you are responsible for exporting your Client Data before termination. Additional export or transition assistance may be subject to fees and feasibility.

12.9 Aggregated and De-Identified Data

Floowed may collect and use aggregated, anonymised, or de-identified usage data, system telemetry, and performance metrics for analytics, security, operational, and product improvement purposes, provided such data does not identify you or any individual.

13Confidentiality

13.1 Confidential Information

Each party may receive non-public information from the other party that is designated as confidential or that reasonably should be understood to be confidential, including business, technical, commercial, security, customer, pricing, product, and data-related information ("Confidential Information").

13.2 Obligations

The receiving party will:

• (a) use the disclosing party's Confidential Information only as necessary to perform or exercise its rights under these Terms;
• (b) protect it using at least reasonable care; and
• (c) not disclose it to any third party except to employees, contractors, affiliates, professional advisers, or service providers who have a need to know and are bound by confidentiality obligations.

13.3 Exclusions

Confidential Information does not include information that:

• (a) is or becomes public through no breach of these Terms;
• (b) was already lawfully known to the receiving party without restriction;
• (c) is lawfully received from a third party without breach of duty; or
• (d) is independently developed without use of the disclosing party's Confidential Information.

13.4 Required Disclosure

A receiving party may disclose Confidential Information where required by law, regulation, court order, or governmental authority, provided it gives prior notice where legally permitted.

14Suspension

Floowed may suspend or restrict access to the Service immediately, with or without notice, if:

• (a) fees are overdue or payment fails;
• (b) your Credits or usage allowances are exhausted;
• (c) we reasonably believe your use poses a security risk;
• (d) we reasonably suspect fraud, abuse, unlawful activity, sanctions exposure, or a material breach of these Terms;
• (e) required by law, regulation, court order, or government authority; or
• (f) necessary to protect the Service, other customers, or third parties.

Where reasonably practicable, Floowed will use commercially reasonable efforts to notify you of the reason for suspension.

15Availability, Support, and Maintenance

15.1 Continuous Availability

Floowed intends to make the Service generally available on a continuous basis so that Clients may access and use the Service in the ordinary course of business. In operating the Service, Floowed may perform updates, upgrades, releases, patches, maintenance, security work, and other changes, and the availability or functionality of the Service may be affected from time to time by scheduled maintenance, emergency maintenance, capacity constraints, third-party service issues, or events beyond Floowed's reasonable control.

15.2 No Guaranteed Uptime

Unless expressly stated in a separate written service level agreement signed by Floowed, the Service is provided on an "as is" and "as available" basis, and Floowed does not guarantee uninterrupted or error-free availability, operation, or performance, and makes no service level commitment regarding uptime, response times, restoration times, or availability.

15.3 Maintenance

Floowed may perform scheduled or emergency maintenance, updates, upgrades, releases, patches, or changes to the Service, which may temporarily affect availability or functionality.

15.4 Support

Any support, response times, onboarding, implementation, advisory, or customer success services are provided only if included in your subscription plan, Order Form, or other written agreement.

16Disclaimers

To the maximum extent permitted by law:

• (a) the Service is provided "as is" and "as available";
• (b) Floowed disclaims all warranties, representations, conditions, and guarantees, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, availability, accuracy, or reliability;
• (c) Floowed does not warrant or represent that any workflow output, processor output, automation result, recommendation, classification, extraction, summary, communication, or other result generated through the Service will be accurate, complete, reliable, current, lawful, fit for your intended purpose, or free from error;
• (d) the Service may use automated, model-based, or AI-assisted processing, which may produce incorrect, incomplete, biased, inconsistent, or unintended results; and
• (e) you are solely responsible for reviewing, validating, and approving outputs before relying on them, and your use of any such output is at your sole risk.

17Indemnity

You will indemnify, defend, and hold harmless Floowed, its affiliates, and their respective officers, directors, employees, agents, contractors, and licensors from and against any claims, actions, proceedings, investigations, damages, liabilities, losses, fines, penalties, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• (a) your use of the Service;
• (b) your workflows, configurations, prompts, instructions, automations, or outputs relied upon by you or others;
• (c) Client Data;
• (d) your breach of these Terms;
• (e) your breach of applicable law or regulation; or
• (f) any allegation that Client Data or your use of the Service infringes, violates, or misappropriates a third party's rights.

18Limitation of Liability

To the maximum extent permitted by law:

18.1 Exclusion of Certain Damages

In no event will Floowed be liable for any indirect, incidental, consequential, special, exemplary, punitive, or aggravated damages, or for any loss of profits, revenue, business, anticipated savings, goodwill, reputation, opportunities, data, or use, even if advised of the possibility of such damages.

18.2 Liability Cap

Floowed's total aggregate liability arising out of or relating to the Service, these Terms, or any Order Form will not exceed the total fees actually paid by you to Floowed for the Service during the twelve (12) months immediately preceding the event giving rise to the claim.

18.3 Essential Basis

The parties acknowledge that the disclaimers and limitations in these Terms form an essential basis of the bargain between them.

18.4 Non-Excludable Liability

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.

19Termination

19.1 Termination by Client

You may terminate your subscription at any time in accordance with Section 5, but such termination does not relieve you of payment obligations already incurred.

19.2 Termination by Floowed

Floowed may terminate these Terms or your access to the Service immediately if:

• (a) you materially breach these Terms and fail to cure the breach within fourteen (14) days after notice, where cure is possible;
• (b) you fail to pay any amount due;
• (c) your use of the Service creates legal, regulatory, security, or operational risk; or
• (d) you become insolvent, enter liquidation, cease business operations, or become subject to similar proceedings.

19.3 Effect of Termination

Upon termination or expiration:

• (a) your rights to access and use the Service immediately cease;
• (b) Floowed may disable your Account and workflows;
• (c) accrued payment obligations remain due; and
• (d) Floowed may delete Client Data in accordance with Section 12.

19.4 Survival

Any provisions that by their nature should survive termination will survive, including those relating to fees owed, intellectual property, confidentiality, indemnities, disclaimers, limitations of liability, governing law, and general provisions.

20Publicity

Unless you opt out in writing, Floowed may identify you as a customer and use your company name and logo on its website, customer lists, and ordinary promotional materials. Floowed will not issue a press release naming you or describing your use of the Service without your prior written consent, unless otherwise agreed.

21Notices

Any legal notices under these Terms must be in writing and sent:

• (a) to Floowed at the contact details published on its website or otherwise notified to you; and
• (b) to you at the email address associated with your Account or any address you provide in an Order Form.

Operational notices, billing notices, service notices, and notices of changes to these Terms may be given through the Service, by email, or by posting on the Floowed website.

22Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them, their subject matter, or their formation, will be governed by and construed in accordance with the laws of Singapore.

The courts of Singapore will have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

23General

23.1 Entire Agreement

These Terms, together with any applicable Order Form, the Privacy Policy, and the Data Processing Agreement, form the entire agreement between the parties regarding the Service and supersede all prior discussions, proposals, and agreements on that subject matter.

23.2 Enterprise Agreements and Order of Precedence

If you and Floowed enter into a separate master services agreement, enterprise agreement, or other negotiated written agreement signed by both parties governing your use of the Service, that agreement will prevail over these Terms to the extent of any conflict. If no such signed agreement exists, any applicable Order Form will prevail over these Terms solely to the extent of a conflict regarding pricing, subscription scope, usage limits, support commitments, billing terms, or other expressly stated commercial terms in that Order Form.

23.3 Assignment

You may not assign, transfer, charge, subcontract, or otherwise deal with your rights or obligations under these Terms without Floowed's prior written consent. Floowed may assign or transfer these Terms to an affiliate or in connection with a merger, acquisition, corporate reorganisation, or sale of substantially all relevant assets.

23.4 Subcontractors

Floowed may use affiliates, subprocessors, contractors, and service providers to perform any part of the Service.

23.5 Force Majeure

Floowed will not be liable for any failure or delay resulting from causes beyond its reasonable control, including natural disasters, acts of God, war, terrorism, civil unrest, labour disputes, epidemics, pandemics, internet failures, cloud outages, utility failures, cyberattacks, or government action.

23.6 No Waiver

A failure or delay in exercising any right under these Terms does not operate as a waiver.

23.7 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

23.8 Relationship of Parties

The parties are independent contractors. Nothing in these Terms creates any partnership, joint venture, fiduciary, agency, employment, or exclusive relationship between the parties.

23.9 Electronic Contracting

You agree that these Terms, notices, disclosures, consents, invoices, and other communications may be provided electronically, and that electronic acceptance and electronic records will have legal effect to the extent permitted by applicable law.

23.10 Amendments

Floowed may modify these Terms from time to time. For material changes, Floowed will provide notice through the Service or by email. Unless otherwise stated, changes take effect on the stated effective date. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.