Terms & Conditions

These Terms govern your use of flowsecure.eu and your engagement with FlowSecure. FlowSecure is based in the Republic of Estonia and operates under Estonian law. By using this website or engaging our services, you agree to these Terms.

Professional engagements are additionally governed by a bespoke engagement letter and a mutual non-disclosure agreement signed by both parties. Where those documents conflict with this page, those documents prevail for client matters.

1. Website Content

Content on flowsecure.eu is published for general information. It does not constitute legal, tax, financial, or investment advice. No advisor-client relationship is created by visiting the site, submitting an inquiry, or subscribing to any updates. You should not rely on the website in isolation to make structural, tax, or investment decisions.

2. Professional Engagement

We accept new engagements by application. A formal advisor-client relationship begins only once an engagement letter is signed by both parties and initial fees are settled. The engagement letter defines scope, deliverables, timelines, and fee arrangements specific to each client.

Pricing displayed on the website or in the shop is indicative of starting points and configurations. Final fees for bespoke engagements are documented in the engagement letter on the basis of scope, jurisdiction complexity, and service depth.

3. Shop Purchases

Products purchased directly through the shop are subject to the specific terms displayed at checkout. Where a product represents the commencement of a bespoke service (such as incorporation, banking introduction, or payment onboarding), the product purchase initiates that engagement and a corresponding engagement letter is issued following your order confirmation.

Prices are shown in EUR. Applicable VAT, where due under Estonian and EU rules, is calculated at checkout based on your country and VAT status.

4. Refunds and Withdrawal

Given the bespoke nature of our services and the immediate commencement of formation, banking, and regulatory filings upon order confirmation, once substantive work has begun the statutory consumer right of withdrawal under Estonian Law of Obligations Act § 53 may no longer apply. By placing an order, you expressly request that performance begin before the withdrawal period expires where applicable.

Refund requests for partially delivered engagements are handled case by case, with reference to the engagement letter and the costs already incurred on your behalf. Community membership fees are non-refundable once the private network has been accessed.

5. Client Responsibilities

You are responsible for providing complete, accurate, and truthful information during KYC, onboarding, and throughout the engagement. You confirm that any funds used and any business conducted within the structures we set up are lawful and compliant with applicable tax and reporting obligations in your jurisdictions of residence.

You agree to promptly provide any additional documentation reasonably required by incorporation agents, banks, payment providers, or other counter-parties to complete the engagement.

6. Scope Limitations

FlowSecure does not provide, facilitate, or knowingly participate in services that enable tax evasion, money laundering, terrorism financing, sanctions evasion, or any other illegal purpose. Every structure we design is intended to operate lawfully within every jurisdiction it touches. We reserve the right to decline any engagement, at our sole discretion, where purpose, source of funds, or client profile fall outside our scope.

7. KYC and AML Compliance

As an Estonian-operated advisory firm, we are bound by the Estonian Money Laundering and Terrorist Financing Prevention Act and the EU Anti-Money Laundering Directives. Engagements are conditional on successful completion of KYC and, where required, enhanced due diligence. We may decline or terminate engagements at any point where KYC findings raise concerns we cannot resolve.

8. Intellectual Property

The FlowSecure name, logo, website design, and all original content are owned by us. You may view and read the content for personal use; you may not reproduce, adapt, or commercially exploit any part of the site without written permission.

9. Liability

Website content is provided without warranty of any kind. To the maximum extent permitted by law, FlowSecure is not liable for any decision taken, loss suffered, or damage incurred solely on the basis of information published on the website.

For professional engagements, our liability is defined, capped, and allocated within the engagement letter. Nothing in these Terms limits liability for fraud, willful misconduct, or matters that cannot be limited under Estonian law.

10. Governing Law and Jurisdiction

These Terms, the use of flowsecure.eu, and any engagements arising from it are governed by the laws of the Republic of Estonia, without regard to conflict-of-laws rules. Any dispute that cannot be resolved amicably will be submitted to the exclusive jurisdiction of the competent Estonian courts, save that we reserve the right to bring proceedings in a client’s jurisdiction where necessary to enforce our rights.

11. Changes

We may amend these Terms from time to time. Changes take effect when posted on this page with an updated “last updated” date. Material changes affecting active clients will be communicated by email.

12. Contact

Questions about these Terms: support@flowsecure.eu.