Terms of Service
Last updated June 2026
These terms govern your use of Flo Money, operated by Flo Money LLC (Texas). They explain the service, your responsibilities, and the role of our regulated provider Cybrid and its sub-providers Plaid and Persona.
1. The service
Flo Money LLC (“Flo Money”, “we”) provides a technology platform that lets eligible US users send money to recipients in India (USD → INR). Flo Money is a technology provider and program manager — it is not a bank or a licensed money transmitter and does not itself hold or move customer funds. Money transmission, custody, identity verification, currency conversion, and settlement are performed by our regulated provider, Cybrid Inc. (“Cybrid”), and its sub-processors.
2. Eligibility
You must be at least 18, a US resident with a valid US address, have a valid US bank account and government ID, and not be barred from using the service under applicable law (including US sanctions). You represent that your information is accurate and that you use the service for lawful, personal, non-commercial purposes.
3. Third-party providers
The service integrates independent third parties, each with its own terms and privacy policy that you also agree to: Cybrid (the licensed money-services business that verifies identity, funds, converts, transmits, and settles — see cybrid.xyz); Plaid (to securely link your US bank); and Persona (identity verification). Flo Money is not responsible for the acts or performance of these providers, and disputes about a transaction processed by Cybrid may need to be directed to Cybrid support.
4. Identity verification (KYC)
To comply with US and Indian regulations you must complete a one-time identity verification before sending, and may be asked to re-verify or provide additional information (including a tax ID) at any time. We may decline, suspend, or limit your account if verification cannot be completed or as required by law or risk controls.
5. Funding and payment authorization
When you initiate a transfer, you authorize the debit (ACH or other supported method) of the amount from your linked US bank account. You represent that you own the funding account and have sufficient funds. Returned, reversed, or disputed debits may incur fees, account suspension, and collection of amounts owed.
6. Fees and exchange rates
Applicable fees and the exchange rate are disclosed to you before you confirm each transfer. Rates are set at the time of the transaction and may differ from mid-market rates; the rate and fees shown at confirmation govern that transfer. We may change fees and rates prospectively.
7. Transfers, cancellation, and error resolution
For transfers subject to the CFPB Remittance Transfer Rule (Regulation E), you receive a pre-payment disclosure and a receipt showing the exchange rate, fees, amount received, and estimated availability. You may cancel a transfer for a full refund within 30 minutes of payment, provided the funds have not been picked up or deposited. If you believe there is an error, contact us within 180 days and we will investigate as required by law.
8. Recipient and account information
You are responsible for the accuracy of recipient details (name, IFSC code, account number, account type). Funds sent based on the information you supply may not be recoverable if that information is incorrect.
9. Prohibited use
You may not use the service for any unlawful purpose; to send to or from sanctioned persons or jurisdictions; for gambling, fraud, money laundering, or terrorist financing; on behalf of an undisclosed third party; or in violation of these terms or any provider’s terms. We may hold, reverse, refuse, or report transactions and may freeze or close accounts to comply with law or manage risk.
10. Referrals and promotions
Referral rewards, promotional rates, coupon codes, and similar offers are subject to additional posted rules, eligibility, and caps, and may be changed or withdrawn at any time. Rewards obtained through fraud or abuse may be revoked.
11. Intellectual property
The service, including all software, content, and trademarks, is owned by Flo Money or its licensors. We grant you a limited, revocable, non-transferable license to use the service for its intended purpose. You may not copy, modify, reverse engineer, or resell it.
12. 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. We do not warrant that the service will be uninterrupted, error-free, or secure, or that any transfer will complete in a given time.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLO MONEY WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS OR DATA. Our total liability for any claim relating to the service will not exceed the greater of the fees you paid us in the preceding three months or US$100. Nothing limits rights that cannot be limited under law, including Regulation E.
14. Indemnification
You will indemnify and hold harmless Flo Money from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the service, your violation of these terms, or your violation of any law or third-party right.
15. Dispute resolution; arbitration; class waiver
Except where prohibited by law, you and Flo Money agree that disputes will be resolved by binding individual arbitration under the applicable consumer arbitration rules, and you and Flo Money waive the right to a jury trial and to participate in a class action. You may opt out within 30 days of first accepting these terms. Small-claims and non-arbitrable claims are excepted.
16. Governing law
These terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules, except where federal law (including Regulation E) or the arbitration provision applies.
17. Electronic communications (E-SIGN)
By using the service you consent to receive disclosures, receipts, and communications electronically. You may withdraw consent by contacting support, which will end your ability to use the service.
18. Changes and termination
We may update these terms; material changes are notified in-app or by email and are effective as posted. We may suspend or terminate access at any time, including for suspected fraud or compliance reasons. You may stop using the service at any time.
Flo Money LLC · Questions? support@flomoney.app