Terms & Conditions

1. Introduction

These Terms and Conditions (“Terms”) apply to the use of the websites https://www.thisisneoflow.com and https://www.neoflowpay.com (“the Sites”), owned and operated by Neoflow Limited (“Company”, “we”, “us”, “our”), a company registered in the Republic of Cyprus with registration number HE418867. By accessing, browsing, or using our Site and services, you signify your acceptance of these Terms. If you do not agree to these Terms, you are advised not to use our Site or services.

2. Description of Service and Licensing

Our Company offers the Neoflow Platform ("Platform"), provided by Neoflow Limited. Neoflow Limited is a limited company registered in Cyprus under registration no. HE418867. The Platform offers a variety of services related to payments, foreign exchange and cards (“Services”). Our Company is a financial technology platform and not a bank.

3. Eligibility and Registration

To use our Services, you may need to register and maintain an active user account (“Account”). You represent and warrant that all required registration information you submit is truthful and accurate, and you will maintain the accuracy of such information. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account.

4. User Data and Privacy

We respect the privacy of our users and are committed to protecting it. The collection, use, and sharing of personal data through our Services are outlined in our Privacy Policy, which is incorporated into these Terms by reference. Your use of our Site signifies your acknowledgement of, and agreement with, our Privacy Policy.

5. Use of cookies and other tracking technologies

In our effort to provide a personalized user experience, we use cookies and other tracking technologies to understand our users’ activities on our Site. This allows us to enhance our Services based on user preferences. By using our Site, you consent to our use of cookies and other tracking technologies as described in our Privacy Policy.

6. User reviews and feedback

While we do not directly facilitate user-generated content on our Site, we value your feedback and appreciate reviews on third-party platforms. All feedback and comments sent to us directly or posted on third-party platforms about our Services may be used in our promotional materials, subject to the terms of our Privacy Policy.

7. Subscriptions, payments, and transactions

Services are provided on a subscription basis. By subscribing to such Services or making a payment, you agree to pay all applicable fees as described during the registration process. We reserve the right to change our pricing terms at any time, or to start charging fees for previously free services, upon reasonable notice to you.

8. Third-Party providers and partnerships

We partner with third-party providers for some aspects of our Service. Although we strive to only include quality partners, we are not responsible for examining or evaluating their services and we do not warrant their offerings. We are not liable for any harm or damages related to the purchase or use of their goods, services, resources, content, or any other transactions made in connection with these third-party websites.

9. Age Restrictions

Our Services are available to users who have reached the legal age to form binding contracts under the laws of their residence. By using our Services, you affirm that you are of legal age to enter into these Terms, or, if you are not, that you have obtained parental or guardian consent to enter into these Terms.

10. Amendments to the Terms

We may revise these Terms from time to time, in our sole discretion, and the most current version will always be posted on our Site. We encourage users to frequently check this page for any changes to stay informed.

11. Compliance with Data Protection Regulations

We acknowledge the importance of data privacy and adhere to the General Data Protection Regulation (GDPR). We implement data protection measures to ensure the security and confidentiality of your personal data. We respect your privacy rights and provide you with reasonable access to the personal data you may have provided through your use of our Services.

12. Applicable Law and Jurisdiction

These Terms are governed by and construed under the laws of the Republic of Cyprus. Any dispute arising out of these Terms shall be resolved exclusively by the courts of the Republic of Cyprus.

13. Severability and Waiver

If any provision of these Terms is held to be invalid or unenforceable, such provision will be struck and will not affect the validity and enforceability of the remaining provisions. Our failure to exercise any right or provision of these Terms shall not constitute a waiver of such right or provision.

14. Termination

We reserve the right, without notice and in our sole discretion, to terminate your license to use the Services, and to block or prevent your future access to, and use of, the Services.

15. Questions and Contact Information

If you have any questions regarding these Terms or your use of our Services, please contact us at hello@thisisneoflow.com

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