Terms of use

1. Definitions

• Digital asset : any cryptocurrency, stablecoin or electronic currency supported by Flowxi.
• Fiat currency : any recognized legal currency (XOF, EUR, USD, etc.).
• User : any natural or legal person who has opened an account on the Flowxi Platform.
• Platform : all digital services operated by Flowxi, including the website, mobile application, APIs and any associated service.
• Flowxi Services : all features and solutions described in these Terms of Use.
• KYC / AML : identity verification (“Know Your Customer”) and anti-money laundering procedures.
• Inactive account : an account with no transaction or login for 90 consecutive days.
• Affiliate, Ambassador, Referrer : anyone participating in Flowxi referral programs under the applicable terms.

2. Preamble and legal information

These Terms of Use govern access to, use of and all services offered on the Flowxi platform, owned by FLOWXI Sarl, a single-member limited liability company with share capital of 1,500,000 FCFA, registered with the RCCM under RB/ABC/25 B 9870, with its registered office at Ilot 1, Quartier Akouehonou, Parcelle Z, Maison LAVAGNON SALOMON FANDJINOU, Arrondissement de Pahou, Commune de Ouidah, Atlantique, Benin, represented by its manager, Mr. Jafette Fandjinou.

• Email : societe@flowxi.com / support@flowxi.com
• Tel : +229 01 62 17 4690
• IFU : 3202553875369
• Company duration : 99 years from registration

The Flowxi platform is accessible at https://flowxi.com, through the Flowxi mobile application, and through any associated API or service.

3. Purpose and scope of the Terms of Use

These Terms of Use define the contractual rights and obligations between each User (“you”, “your”) and Flowxi Sarl (“Flowxi”, “we”, “our”) regarding:

• Use of the digital financial services platform,
• Access to tools for buying, selling, exchanging, managing and transferring digital assets (crypto and fiat),
• Use of wallet services, multi-currency conversions, cashback, bonuses, notifications, affiliate programs and mobile payment solutions.

The Terms of Use form a legally binding contract applicable upon account creation, access to or use of a Flowxi Service.

4. Acceptance, effective date and amendments to the Terms of Use

4.1 Acceptance of the Terms of Use

Registration, access to or use of the Flowxi Platform constitutes full acceptance of these Terms of Use and any supplementary policy (Privacy Policy, Fee Schedule, etc.).

4.2 Effective date

These Terms of Use take effect on July 14, 2025 and apply to every User upon registration or use of the Platform.

4.3 Amendments to the Terms of Use

Flowxi reserves the right to amend the Terms of Use or supplementary documents (Privacy Policy, Fee Schedule, etc.) at any time to:

• Comply with regulations,
• Adapt its services,
• Strengthen security or user protection.

Any amendment will be published on the Platform and communicated by email or notification.
Unless otherwise stated, amendments take effect 15 days after publication.
Continued use constitutes acceptance.
If the User does not agree, they must stop using the services and request closure of their account.

5. Supplementary contractual documents

Acceptance of the Terms of Use also entails acceptance of:

• The Privacy Policy,
• The Risk Warning,
• The Fee Schedule (fees, commissions, penalties),
• And any specific policy or annex (KYC, anti-money laundering, affiliate programs, etc.).

In the event of a conflict, the Terms of Use prevail over any other document unless expressly stated otherwise.

6. Risk warning

The User acknowledges and accepts that:

• Digital assets are highly volatile; their value may fluctuate significantly and result in total or partial losses.
• Buying, selling, holding or transferring crypto involves economic, technical, regulatory and legal risks.
• Flowxi does not provide investment, tax or legal advice. All decisions are the sole responsibility of the User.
• Flowxi cannot be held liable for losses or lost earnings arising from use of the services.

For further information, see the Risk Warning available on the Platform.

7. Access conditions and eligibility

7.1 Eligibility criteria

• Be an adult (at least 18 years old) or a legally incorporated entity,
• Have the capacity to enter into a contract,
• Not have been suspended or excluded from Flowxi (unless agreed otherwise),
• Not reside in or be a citizen of a prohibited country (list published on the Platform or available on request),
• Not use Flowxi for illegal purposes.

7.2 Changes to the criteria

Flowxi may change the conditions for access to its services at any time without notice, particularly for legal, regulatory or security reasons.

8. Account creation, registration and identity verification

8.1 Account creation

A Flowxi account is required to access most services. The User undertakes to provide accurate, complete and up-to-date information. Flowxi reserves the right to refuse, suspend or close any account at its discretion (fraud, inaccurate information, suspicious activity).

8.2 Identity verification (KYC/AML)

• Provision of information and documents (national identity card, passport, proof of address, etc.),
• Anti-money laundering compliance checks (AML/CFT),
• Regular updates at Flowxi’s request.

Flowxi reserves the right to require additional supporting documents at any time and to suspend or restrict an account in the event of non-compliance.

8.3 Security and confidentiality

• Keep login credentials and access codes confidential,
• Change the password immediately if there is any doubt,
• Inform Flowxi promptly of any suspicious access,
• Enable two-factor authentication if offered.

9. User account management and security

9.1 Account types

• Personal account (individual, strictly personal use)
• Business account (company, association, registered organization)

Each natural or legal person may hold only one account unless authorized in writing.
Multiple accounts, sharing or third-party access are strictly prohibited without written agreement.

9.2 Responsibility and management

• For all actions performed through their account,
• For keeping the information provided up to date and truthful,
• For securing their equipment, credentials, passwords, codes and authentication methods,
• For regularly monitoring their transaction history,
• For reporting any unrecognized transaction to Flowxi.

Flowxi disclaims all liability arising from negligence or failure to meet these obligations.

9.3 Suspension, closure and inactivity

• Suspend access to an account for breach of the Terms of Use, fraud, investigation, etc.
• Close an account at any time (subject to informing the User, except in an emergency)
• Treat an account with no transaction or login for 90 consecutive days as inactive, with fees, conversion or closure applied after notification.

10. Services offered by Flowxi

10.1 Nature of the services

• Buying, selling, exchanging and transferring cryptocurrencies and electronic currencies (“digital assets”)
• Electronic wallet management (multi-currency wallets, crypto and fiat, custody solutions)
• Instant conversion between digital currencies and local currencies (XOF, EUR, USD, USDT, BTC, etc.)
• Deposits and withdrawals through Mobile Money, bank transfer, bank card or other approved partner methods
• Internal transfers (P2P), bonuses, cashback, promotions and notifications
• Access to affiliate, referral and ambassador tools and partner APIs
• Customer support (chat, email, WhatsApp), KYC assistance and a secure multi-platform interface (mobile/web/API)

10.2 Service changes and availability

• Comply with regulations
• Ensure the security of funds or the system
• Improve the user experience
• Combat fraud or abuse

Flowxi may modify, improve, limit, suspend or discontinue all or part of the services at any time.
The User acquires no vested right to any feature or product: any major change will be communicated by appropriate means.

11. Affiliate, referral and ambassador programs

11.1 Affiliate and referral program

Flowxi offers an affiliate or referral program allowing the User to recommend the Platform and earn rewards under published terms (Affiliate/FAQ page).

The conditions for participation, allocation and payment of rewards are set out in the official Flowxi documentation.
Any attempt at manipulation, multiple accounts, fraud or abuse of the system results in immediate exclusion, removal of earned benefits and potentially account suspension.

11.2 Ambassador / Reseller program

Specific programs (Ambassadors, Influencers, Resellers, Partners, etc.) are offered under special terms available at enrollment.

12. Cashback, bonuses and promotions

12.1 General provisions

Flowxi may occasionally grant welcome bonuses, cashback, promotions, rewards or other promotional offers subject to specific conditions (amount, duration, nature, etc.).
These benefits are subject to the limits, procedures and conditions specified for each offer.

12.2 Fraud, abuse and changes

Any fraud, attempted abuse or breach of eligibility conditions results in immediate removal of benefits or account suspension.
Flowxi reserves the right to modify, suspend or withdraw any promotional benefit at any time without compensation.

13. Crypto-custody wallet (asset custody)

13.1 Service description

Flowxi offers a digital asset custody solution allowing the User to store, transfer or convert cryptocurrencies on the Platform through:

• Pooled or individual wallets, hot and cold wallets and multisignature arrangements, according to industry standards.

13.2 Management of funds

Flowxi accurately tracks user balances through an internal off-chain ledger.
Flowxi is not a licensed custodian under banking law and acts as a technical operator.
In the event of a blockchain incident, fork, bug or major attack, the return of funds will depend on technical and legal feasibility.

13.3 Limitations of liability

Flowxi takes all reasonable measures to ensure the security of funds but is not liable for losses due to events beyond its control (hacking, blockchain bugs, service provider insolvency, etc.).
If the service closes, Flowxi undertakes to return funds or allow their withdrawal under the communicated procedures.

14. Multiple currencies and conversions

14.1 Multi-currency management

The User may open, credit, debit and convert balances in multiple digital or fiat currencies (XOF, EUR, USD, USDT, BTC, etc.).
The list of available currencies changes: see the Platform.

14.2 Conversions

Conversions are made at the rate displayed on the Platform at the time of the transaction, which may vary with volatility and volume.

14.3 Responsibilities

Flowxi does not guarantee the permanent availability of all currencies.
The User is responsible for checking the proposed rate before confirmation; conversions are irrevocable once confirmed.

15. Digital assets and fiat currency

15.1 Supported digital assets

The list of supported digital assets (cryptocurrencies, stablecoins, electronic currencies) is published on the Platform and may change at any time.
Flowxi reserves the right to add, suspend or remove support for an asset for security, management, risk or regulatory reasons.
If an asset is removed, a reasonable period is granted for withdrawal or sale before automatic conversion or removal.

15.2 Forks, airdrops and blockchain changes

Flowxi decides at its sole discretion whether to support, manage or redistribute assets resulting from a fork or airdrop.
To ensure receipt of an airdrop or fork, the User must transfer the asset to an external wallet before the event.

15.3 Stablecoins and backed tokens

Stablecoins or tokens backed by a currency, asset or value are issued by third-party partners: Flowxi guarantees neither their solvency nor preservation of value.

15.4 Fiat currency

Balances displayed in fiat currency on Flowxi are purely indicative and do not imply that Flowxi holds funds as a bank. Flowxi acts as a technical aggregator, not as a banking institution.

16. Transactions, operations and irrevocability

16.1 Transaction methods

The User may carry out purchases, sales, exchanges, conversions, deposits, withdrawals, internal or external transfers, bill payments and receipt of funds.

16.2 Confirmation and irrevocability

Any transaction confirmed through the Platform is irrevocable unless technically impossible or expressly opposed by Flowxi (fraud, legal restriction, insufficient balance, etc.).
The User must check the accuracy of the information entered (amounts, addresses, references).

16.3 Errors, incidents and cancellations

Flowxi may cancel or modify any transaction in the event of a manifest error, fraudulent activity or inappropriate use; correct a balance in the event of a bug or incident; or suspend any suspicious transaction.

16.4 History, disputes and complaint deadline

A transaction history is available in the user area.
Any dispute must be raised within 14 days of the transaction; after that period, it is deemed approved.

17. Fees, commissions and fee structure

17.1 Fee policy

Use of Flowxi services is subject to fees and commissions specified on the Fee Schedule page, in the interface or in the terms specific to each transaction.

17.2 Deduction and changes

Fees are automatically deducted from the user’s balance in the relevant currency or, failing that, through automatic conversion.
Flowxi may change the fee structure at any time; continued use constitutes acceptance.

17.3 Insufficient balance

If the balance is insufficient, Flowxi may refuse or cancel the transaction, debit another asset after conversion, or charge the outstanding balance.

18. Security, access and incidents

18.1 Security measures

• Choose a strong password, change it regularly and do not disclose it,
• Enable two-factor authentication if available,
• Keep contact details up to date and secure,
• Log out after each session,
• Never allow remote access to a device connected to Flowxi.

Flowxi implements data encryption protocols, regular audits and anti-fraud procedures, and secure storage of funds (hot/cold wallets, multisignature, etc.).

18.2 Incident management

• The User must immediately inform Flowxi of suspected fraud, compromise, phishing or an incident,
• Change their password,
• Follow all instructions from Flowxi or its security partners.

Flowxi may suspend or restrict access, require supporting documents and cooperate with the authorities.

18.3 Responsibility

The User is solely responsible for the security of their equipment, software and access.
Flowxi disclaims all liability for losses related to personal negligence.

19. Contractual limitations, exclusions and force majeure

19.1 Limitation of warranty

Flowxi provides its services “as is”, without any express or implied warranty of availability, accuracy or performance, except for the commitments set out in these Terms of Use. No promise of continuity, performance or compatibility is made.

19.2 Specific exclusions

Flowxi does not guarantee the accuracy of rates, market data, notifications or any content transmitted to the User; services may be unavailable, restricted or modified at any time without compensation; Flowxi cannot be held liable for any indirect, incidental, special or consequential harm (loss of profit, chance, opportunity, data, reputation, etc.).

19.3 Force majeure

Flowxi is not liable for any failure or delay caused by force majeure (natural disaster, conflict, network outage, attack, crisis, etc.), as legally defined.

20. User responsibilities and obligations

20.1 Lawful and fair use

• In compliance with laws, regulations and third-party rights,
• For lawful, fair and non-fraudulent transactions, without market manipulation,
• Without unauthorized scripts, bots or automated processes,
• Without attempting to circumvent technical, contractual or security limitations.

20.2 Express prohibitions

• Using Flowxi for any illegal activity, money laundering, fraud, gambling, price manipulation, etc.
• Providing false information or using unauthorized anonymous proxies,
• Conducting attacks, intrusion attempts, phishing or unauthorized data extraction,
• Allowing unauthorized third parties to use the account.

Any breach may result in immediate suspension, civil or criminal proceedings and reporting to the authorities.

21. Taxation

Each User is responsible for finding out which tax legislation applies, reporting income, earnings, capital gains or transactions related to Flowxi to the competent tax authority, and paying all taxes and duties due.

Flowxi provides neither tax advice nor individual certificates.
If required by law, Flowxi may report certain transactions or withhold tax at source.

22. Procedure in the event of death, incapacity or succession

Beneficiaries or legal representatives must notify Flowxi in writing with supporting documents (death certificate, identity, proof of relationship, etc.).
After verification, Flowxi suspends the account and specifies the procedure for transferring digital or fiat assets, subject to applicable laws.
Flowxi reserves the right to refuse a transfer if there is doubt about the authenticity of documents or a dispute between heirs.
After 12 months of inactivity without a claim, Flowxi may close the account and apply local regulations on unclaimed funds.

23. Right to be forgotten and exercise of GDPR rights

Under data protection law, each User has rights of access, rectification, erasure, portability, objection and restriction of processing.
These rights may be exercised through the dedicated form or by email to dpo@flowxi.com, upon presentation of proof of identity.
These rights may be limited to comply with statutory retention obligations (anti-money laundering, etc.).

24. Advertising, marketing and solicitation

With the User’s consent, Flowxi may send commercial communications (newsletters, offers, promotional notifications).
The User may withdraw consent to commercial solicitation at any time.

25. Fraud prevention and cooperation with authorities

Flowxi implements mechanisms for detecting and blocking suspicious activities (automation, audits, alerts).
Flowxi may block or report any suspicious account or transaction to the competent authorities (ANIF, judicial authorities, etc.).
Flowxi may respond to any judicial or administrative request in compliance with applicable laws.

26. Legal references and compliance (Africa/WAEMU)

Flowxi undertakes to comply with:

• Law No. 2017-20 of April 20, 2018 establishing the Digital Code in the Republic of Benin
• WAEMU/CEMAC laws and regulations on digital financial services, anti-money laundering and data protection
• International FATF standards and any applicable future local regulation

27. Obligation to update and inform

Flowxi informs the User of any major service change (email, notification, website, etc.).
Flowxi may request updates to personal or KYC information at any time; failure to respond may result in account suspension.

28. International dispute resolution

28.1 Governing law

These Terms of Use are governed by the law of the Republic of Benin.
A User residing in another country benefits from mandatory public policy provisions of their local law, where applicable.

28.2 Territorial jurisdiction

Failing an amicable agreement, the courts of Benin have exclusive jurisdiction over disputes concerning interpretation or performance of the Terms of Use, unless a mandatory provision states otherwise.

28.3 Alternative procedure

In cross-border disputes, Flowxi favors mediation (WAEMU Arbitration/Mediation Center or a recognized body).
The User may propose international mediation before taking legal action.

28.4 Language

The French version prevails over any translation.

29. Miscellaneous, final provisions and definitions

29.1 Notices

All notices are sent by email to the address provided by the User, which must be kept up to date.

29.2 Severability

If a provision is found invalid or unenforceable, the others remain in effect.

29.3 Entire agreement

The Terms of Use, Privacy Policy and Fee Schedule constitute the entire agreement.

29.4 Assignment

The User may not assign any right or obligation without Flowxi’s written agreement. Flowxi may transfer or assign its rights at any time.

29.5 No waiver

Flowxi’s failure to assert a right at a particular time does not constitute a waiver.

29.6 Archiving/version

The current version of the Terms of Use is available at any time at https://flowxi.com/cgu.php

29.7 Definitions

• Digital asset : cryptocurrency, stablecoin or electronic currency supported by Flowxi
• Fiat currency : any legal currency (XOF, EUR, USD, etc.)
• User : a natural or legal person who has opened a Flowxi account
• Platform : Flowxi website, mobile app and APIs
• Flowxi Services : all features described in the Terms of Use
• KYC/AML : Know Your Customer and Anti-Money Laundering procedures
• Inactive account : no transaction or login for 90 consecutive days

30. Effective date

These Terms of Use take effect on July 14, 2025.