Terms of use

This is an early preview shared openly with the community. It may change, break, or be taken offline at any time. Features, content, and availability are not guaranteed.

The diagrams, labels, rails, timing, and explanations this tool produces are informational only. They are AI-generated and may be incomplete, outdated, or wrong. They are not legal, compliance, regulatory, accounting, or financial advice, and they are not a substitute for the authoritative rules of any payment network, operator, or regulator.

Always verify any output against primary sources, the relevant scheme rules, operator documentation, and applicable regulation, and your own qualified advisors before relying on it for a decision, a deliverable, or anything client-facing. You are responsible for how you use what the tool produces.

You agree not to:

• use the tool for anything unlawful, or to facilitate fraud or financial crime;
• submit confidential, personal, or sensitive information you are not authorized to share with a third-party AI provider;
• attempt to break, overload, scrape, reverse-engineer, or circumvent the rate limits or any access controls;
• present the tool’s output as verified fact, professional advice, or an official position of any payment network or regulator;
• resell or redistribute the service.

The Flow of Funds application, its design, its underlying knowledge base, and its branding are owned by Fintech North and its licensors. Third-party marks (payment networks, operators, and regulators) shown for identification belong to their respective owners and do not imply endorsement.

You keep whatever rights you have in the scenarios you describe and the diagrams you create with the tool. There’s no account, so keeping a copy (via export, a share link, or My Flows in your browser) is up to you. As described in our privacy notice, we also keep a server-side record of prompts and diagrams to review and improve the tool. That’s not a saved-workspace or backup feature you can rely on to recover your work.

The preview is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability. To the fullest extent permitted by law, Fintech North is not liable for any loss or damage arising from your use of, or reliance on, the tool or its output.

We may update these terms as the preview evolves; the “last updated” date above reflects the current version. Continued use after a change means you accept the updated terms.

Questions about these terms? Contact Fintech North at hello@fintechnorth.ca.