Terms of Service

Last updated: July 17, 2026

These terms govern your use of FlowPay, the split-fee collection service available at takeflowpay.com and app.takeflowpay.com ("the Service"), operated by FlowPay ("we", "us"). By creating an account or using the Service you agree to these terms.

1. What the Service does

FlowPay lets professionals collect a single invoice from multiple paying parties. You create an invoice with a fixed or flexible split, each party receives a Stripe-hosted payment link by email, and the Service tracks who has paid. When a partial payment arrives, the Service emails a fresh link for the remaining balance. Payments are processed by Stripe through your own Stripe connected account, and funds settle directly to that account. FlowPay is a software service: we are not a bank, money transmitter, escrow agent, or law firm, and we never hold, transmit, or take custody of your funds or your clients' funds. Your use of Stripe is governed by Stripe's terms, including the Stripe Connected Account Agreement, which you must accept to use the Service.

2. Eligibility and your account

You must be at least 18, able to form a binding contract, and using the Service for business purposes. If you use the Service on behalf of a practice or firm, you represent that you have authority to bind it. You are responsible for the accuracy of the information you provide, for all activity under your account, and for keeping your credentials secure. Early-access accounts may require an invite code and may be granted, limited, or withdrawn at our discretion.

3. Acceptable use

The Service is for collecting fees for professional services you actually provide. You may not use it to collect funds you hold for others (including trust, IOLTA, retainer-in-trust, or settlement funds), for peer-to-peer transfers, or for any business or activity prohibited by law or by Stripe's Restricted Businesses policy, which applies to every connected account and is incorporated here by reference. We may suspend or terminate accounts that violate this section.

4. Fees

Current pricing is published at takeflowpay.com/pricing: a platform fee calculated as a percentage of each collected invoice, which varies by plan, plus a monthly subscription on plans that include one. Stripe's processing fees are separate, set by Stripe, and apply in addition. Platform fees are deducted through Stripe at the time of collection. We may change pricing with at least 30 days' notice; changes apply to invoices created after the notice period ends.

5. Payments, refunds, and disputes

You are the merchant of record for your services. Charges, refunds, and card disputes are executed by Stripe on your connected account, and you are responsible for refunds, chargebacks, dispute responses, any associated Stripe fees, and your own legal obligations to your clients. FlowPay provides records of invoices, payment links, per-party payment status, and receipts that can support you in a dispute, but we do not decide disputes and we are not a collections service.

6. Your clients' data

You are responsible for having the right to give us the party names and email addresses you enter. We use them only to operate the Service (sending payment links, receipts, and payment-status emails) as described in our Privacy Policy and Data Processing Addendum.

7. Availability and changes to the Service

We work to keep the Service available, but it is provided without an uptime guarantee, particularly during early access. We may add, change, or remove features, and will give reasonable notice of material reductions. Support is by email at hello@takeflowpay.com.

8. Intellectual property

We own the Service and its content, except your data. You own your data and grant us a license to host and process it solely to operate the Service. You may not copy, resell, sublicense, or reverse engineer the Service.

9. Termination

You may stop using the Service and close your account at any time. Because funds settle to your own Stripe account, closing FlowPay does not affect money already collected, and your payment records remain available in your Stripe dashboard. We may suspend or terminate accounts for breach of these terms, unlawful use, or risk to the Service or its users, with notice where practicable. Sections 8 through 13 survive termination.

10. Disclaimers

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. FlowPay does not provide legal, tax, or accounting advice, and does not guarantee that any party will pay.

11. Limitation of liability

To the maximum extent permitted by law, our total liability for all claims arising out of or relating to the Service is limited to the platform fees you paid us in the twelve months before the event giving rise to the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, or data, even if advised of the possibility.

12. Indemnity

You will defend and indemnify FlowPay against third-party claims arising from your invoices, the services you bill through the Service, the data you enter, or your breach of these terms, except to the extent a claim results from our own breach of these terms.

13. Governing law

These terms are governed by the laws of the United States and the state in which FlowPay's operator is established, without regard to conflict-of-laws rules.

14. Changes and contact

We may update these terms. Material changes will be announced by email or in the Service at least 14 days before taking effect, and continued use after that constitutes acceptance. Questions: hello@takeflowpay.com.