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Uniflow Terms and Conditions

Summary of Uniflow User Agreement:

Welcome to Uniflow, a financial app that allows you to securely manage your financial transactions. Please read this user agreement carefully to understand the terms and conditions of using Uniflow.

Acceptance of Terms and Conditions:

  • Definitions:

    For the purposes of this Agreement, the following terms shall have the following meanings: "Uniflow" refers to the decentralized data management app developed by Uniflow LTD. "Services" refers to the services offered by Uniflow through the Uniflow app, including but not limited to the self-sovereign identity management and automated financial planning features. "User" refers to any individual who accesses or uses the Services provided by Uniflow LTD. "Personal Data" refers to any information relating to an identified or identifiable natural person, as defined by the General Data Protection Regulation (GDPR). "Financial Data" refers to any information relating to a User's financial status, accounts, transactions, investments, or other financial matters. "Content" refers to any data, information, or other materials uploaded, transmitted, or otherwise provided by a User through the Services. "Intellectual Property Rights" refers to any and all patents, trademarks, service marks, trade names, trade dress, copyrights, trade secrets, or other intellectual property rights owned or licensed by Uniflow LTD or its affiliates. "Regulatory Body" refers to any governmental or regulatory authority with jurisdiction over Uniflow or the Services, including but not limited to the European Data Protection Board (EDPB) and the Financial Conduct Authority (FCA).

  • Introduction:

    Welcome to Uniflow, the decentralised data management app with a self-sovereign\nidentity and automated financial planner. Our goal is to give you control over your\npersonal and financial data, so that you can manage your wealth, protect your data,\nand get out of debt. By using the Uniflow application or any of our services\n(collectively, the "Services"), you agree to be bound by these Terms and Conditions\n("Agreement"). If you do not agree to this Agreement, you may not access or use the\nServices. We encourage you to carefully review this Agreement before using the Services. If you have any questions or concerns, please don't hesitate to contact us at contact@universalflow.io.

  • Key terms and conditions:

    By using the Services provided by Uniflow LTD, you agree to be bound by the\nterms and conditions set out in this agreement. It is important that you read and fully\nunderstand these terms and conditions before using the Services. If you do not\nagree to these terms and conditions, you must not use the Services.\nTo accept the terms and conditions, you must complete the following steps:\n\n1. Carefully review and ensure that you understand the terms and conditions.\n2. Click the "Signup" button to indicate your acceptance of these terms and\nconditions.\n3. Create an account with Uniflow and provide any necessary information.\n4. Begin using the Services.\n\nBy accepting these terms and conditions, you represent and warrant that you are at\nleast 18 years old and have the legal capacity to enter into a binding agreement. If\nyou are using the Services on behalf of an entity, you represent and warrant that you\nhave the authority to bind that entity to these terms and conditions.\nPlease note that if you do not accept these terms and conditions, you will not be able\nto use the Services provided by Uniflow LTD.

  • User's Obligations:

    By accessing or using the Services, you agree to comply with the following\nobligations:\n\n1. Provide accurate information: You agree to provide accurate, complete, and\nup-to-date information when registering for an account and when using the\nServices. This includes providing your phone number for OTP, identity\ndocument for verification purposes, and connecting your bank account\nthrough open banking if you are located in Europe. You understand that any\nfalse or misleading information provided by you may result in the suspension\nor termination of your account.\n2. Comply with applicable laws: You agree to use the Services in compliance\nwith all applicable laws, regulations, and industry standards. This includes any\ndata protection laws, financial regulations, or other relevant laws in your\njurisdiction.\n3. Prohibited activities: You agree not to use the Services for any unlawful,\nfraudulent, or malicious activities. This includes, but is not limited to, the\nfollowing prohibited activities:\n● Attempting to gain unauthorized access to the Services or to any other\nuser's account;\n● Reverse-engineering or otherwise attempting to obtain the source code\nor underlying algorithms of the Services;\n● Using the Services to send unsolicited messages or spam;\n● Harassing or threatening other users or using the Services to engage in\nany other form of abusive behavior.\n\n4. Protect your account information: You are responsible for maintaining the\nconfidentiality of your account information, including your login credentials\nand any other personal or financial information. You understand that Uniflow LTD will not be liable for any loss or damage arising from your failure\nto protect your account information.\n5. Consequences of non-compliance: If you fail to comply with any of these\nobligations, Uniflow LTD reserves the right to suspend or terminate\nyour account, or take any other action deemed necessary to protect the\nintegrity of the Services or the rights of other users. You acknowledge that any\ndata or information you have submitted to the Services will remain your\nproperty, and that Uniflow LTD will only be able to limit or restrict\naccess to the Services for users who fail to comply with the terms and\nconditions.

Disclaimers and Limitations of Liability:

  • Uniflow is not responsible for any losses, damages or costs resulting from the\nuse of its app.\n● Disputes will be resolved through mediation and arbitration.\n● English law governs the agreement and any disputes that may arise.\n● All types of claims are excluded from limitation of liability.\n● There will be no consequences or damages for lost profits.\n\nWe hope this summary helps you understand the main points of the agreement. If\nyou have any questions, please contact us at contact@universalflow.io

  • 1. Risks and Limitations

    a. While Uniflow aims to provide a secure and reliable service to users, there\nare inherent risks associated with using any financial services, including but\nnot limited to the risk of loss of data, system downtime, or other technical\ndifficulties. In addition, the use of the Uniflow app and the underlying\nblockchain technology involves certain risks, including but not limited to the\nrisk of hacking, security breaches, and other cyberattacks. By using the\nUniflow app, you acknowledge and accept these risks, and agree that Uniflow\nwill not be liable for any loss or damage arising from such risks.\nb. Uniflow does not provide any financial, investment, or tax advice, and the\ninformation provided through the Uniflow app is for informational purposes\nonly. You are solely responsible for your own financial decisions, and Uniflow\nwill not be liable for any loss or damage arising from such decisions. You\nshould seek advice from a qualified financial or tax professional before\nmaking any financial decisions.

  • 2. No Warranty

    a. Uniflow does not make any guarantees or promises, whether express or\nimplied, about the reliability, accuracy, or completeness of the information or\nservices provided through the Uniflow app.\nb. Uniflow cannot guarantee that the app or the services provided through the\napp will always work perfectly, without interruptions or errors, or that any\nissues will be fixed.\nc. By using the app and the services provided through it, users acknowledge\nand accept that they are using them at their own risk, and that they come with\nno warranties or guarantees of any kind.

  • 3. Limitation of Liability

    a. To the fullest extent permitted by applicable law, Uniflow, its affiliates, and their\nrespective directors, officers, employees, agents, and representatives shall not be\nliable for any indirect, incidental, consequential, punitive, or special damages,\nincluding but not limited to, damages for loss of profits, goodwill, use, data, or other\nintangible losses, arising out of or in connection with the use or inability to use the\nUniflow app or the services provided through the app.\nb. Uniflow's liability for any claims arising out of or in connection with the use of the\nUniflow app or the services provided through the app shall be limited to the total\namount of fees paid by the user to Uniflow during the 12-month period preceding the\ndate of the claim.\n\nc. Users acknowledge and agree that the limitations of liability set forth in this\nsection are fundamental elements of the basis of the bargain between the parties,\nand that Uniflow would not be able to provide the app or the services without such\nlimitations.

Dispute resolution and limitation of liability

  • Dispute Resolution. Any dispute, controversy or claim arising out of or relating\nto this Agreement, or the breach, termination or invalidity thereof, shall be first\nresolved through mediation in accordance with the Centre for Effective\nDispute Resolution (CEDR) Model Mediation Procedure. If the dispute is not\nresolved through mediation within 60 days, it shall be referred to and finally\nresolved by arbitration under the London Court of International Arbitration\n(LCIA) Rules, which Rules are deemed to be incorporated by reference into\nthis clause. The number of arbitrators shall be one. The seat, or legal place, of\narbitration shall be London, United Kingdom. The language to be used in the\narbitral proceedings shall be English.\n2. Governing Law. This Agreement and any dispute or claim arising out of or in\nconnection with it or its subject matter or formation (including\nnon-contractual disputes or claims) shall be governed by and construed in\naccordance with the laws of England and Wales.\n3. Limitation of Liability. To the fullest extent permitted by applicable law,\nUniflow, its directors, officers, employees, agents, and affiliates shall not be\nliable for any direct, indirect, incidental, special, consequential, punitive, or\nexemplary damages, including but not limited to, damages for loss of profits,\nrevenues, goodwill, data or other intangible losses, even if such party has\nbeen advised of the possibility of such damages. Nothing in this section shall\nlimit or exclude liability for death or personal injury resulting from negligence,\nfraud or fraudulent misrepresentation, or any other liability that cannot be\nexcluded or limited by English law. In any event, Uniflow's total liability arising\nout of or in connection with this Agreement or the use of the Services shall\nnot exceed the total amount of fees paid by the user to Uniflow during the\n12-month period preceding the date of the claim.\n4. Indemnification. You agree to indemnify, defend, and hold harmless Uniflow,\nits directors, officers, employees, agents, and affiliates from and against any\nand all claims, damages, liabilities, costs, and expenses (including reasonable\nattorneys' fees and costs) arising out of or in connection with any breach of\nthis Agreement or any use of the Services.

Governing Law and Jurisdiction

  • Governing Law and Jurisdiction. This Agreement and any disputes arising from it\nshall be governed by and construed in accordance with the laws of England and\nWales. Any dispute, controversy, or claim arising out of or relating to this Agreement\nor its breach shall be settled by arbitration in London, United Kingdom, in accordance\nwith the rules of the London Court of International Arbitration (LCIA) then in force.\nThe number of arbitrators shall be one, and the language to be used in the arbitral\nproceedings shall be English. The award rendered by the arbitrator(s) may be entered\nin any court having jurisdiction thereof.\nAny legal action or proceeding relating to this Agreement shall be brought in the\ncourts of England and Wales. Each party irrevocably submits to the exclusive\njurisdiction of such courts and waives any objection it may have to the laying of\nvenue of any such action or proceeding in such court.\nThis Agreement shall not be governed by the United Nations Convention on\nContracts for the International Sale of Goods, the application of which is hereby\nexpressly excluded.\nNothing in this Agreement shall be deemed to limit or exclude any liability for fraud\nor fraudulent misrepresentation.


  • Either party may terminate this Agreement at any time by giving written notice to the\nother party. If Uniflow terminates the Agreement, the termination will take effect\nthree weeks after the User's last use of the Service. Uniflow will notify the User one\nweek prior to the termination of their account. After the one-week notification period,\nUniflow will remove all financial data associated with the User's account, unless the\ndata has been previously decentralized with the User's self-sovereign identity. If the\nUser terminates the Agreement, they will still be able to log in to the app with their\nUser identity number, but they will need to reconnect their bank account and provide\naccess to their financial data, unless the data has been previously decentralized with\ntheir self-sovereign identity.

Intellectual Property Rights

  • Intellectual Property Rights. Uniflow is the exclusive owner and holds all intellectual\nproperty rights to the technology, software, and any other materials used to provide\nthe Services. Users are granted a limited, non-exclusive, non-transferable license to\nuse the app and its contents solely for their own personal and non-commercial\npurposes.\n\nUsers may use the content and materials from the app solely for their own purposes.\nHowever, users are strictly prohibited from uploading any of their own content or\nmaterials to the app or the Services without obtaining prior written consent from\nUniflow.\nAny unauthorized use of the app or the Services, or any materials or content therein,\nmay result in the termination of the user's account and may be subject to legal\naction. Users may not modify, reproduce, distribute, create derivative works, or use\nany of the materials or content for commercial purposes without the prior written\nconsent of Uniflow.

Changes to the Policy

  • We reserve the right to modify this cancellation and refund policy at any time, so\nplease review it frequently. Changes and clarifications will take effect immediately\nupon their posting on our website. If we make material changes to this policy, we will\nnotify you here that it has been updated, so that you are aware of what information\nwe collect, how we use it, and under what circumstances, if any, we use and/or\ndisclose it.


  • We hope that this Terms and Conditions has been informative and clear. Our goal is\nto provide a transparent and fair process for cancellations and refunds.