Terms of Service

FlowPilot is available to two account types:

• Individual Accounts:You must be a natural person who is 18 years of age or older, resident or operating in an eligible jurisdiction, and able to successfully complete our Know Your Customer (“KYC”) verification process.
• Business Accounts:You must be a registered legal business entity, have at least one authorised account owner who is 18 years of age or older, and successfully complete our Know Your Customer (“KYC”) and Know Your Business (“KYB”) verification process.

In all cases, you must not be prohibited by applicable law from using financial services platforms, and you must not be on any sanctions list maintained by relevant authorities.

You are responsible for maintaining the confidentiality of your credentials. You must immediately notify us at security@flowpilot.ai if you suspect any unauthorised access to your account. FlowPilot shall not be liable for any loss arising from unauthorised access resulting from your failure to safeguard your credentials.

Access to payout execution, wallet top-up, scheduled payouts, and AI credit features requires a verified account status. For individuals, this means passing KYC verification (government-issued ID, BVN/NIN, and biometric check). For business accounts, this includes both KYC for authorised signatories and KYB verification of the business entity. FlowPilot reserves the right to suspend, restrict, or permanently terminate access to any account that fails verification, provides false or misleading information, or is flagged by our compliance systems or regulatory authorities.

You agree to provide accurate, current, and complete information during verification and to promptly update this information if it changes. FlowPilot may request additional documentation at any time to comply with applicable anti-money laundering (AML), counter-terrorism financing (CTF), and other applicable regulations.

FlowPilot operates a tiered account system. Transaction limits apply based on your account type and verification level:

• Individual (Verified): Subject to a monthly payout limit of ₦300,000. Aggregate per-run limits apply as determined by our compliance engine.
• Business (Verified): Subject to a monthly payout limit of ₦1,500,000 or as otherwise agreed in writing. Limits may be reviewed upon request with supporting documentation.

FlowPilot reserves the right to modify tier limits at any time with reasonable notice to comply with regulatory requirements or risk management policies.

FlowPilot maintains an internal wallet ledger on your behalf. Wallet balances are pre-funded and are not held in a separate trust account. You acknowledge:

• Wallet funds are used to settle payout disbursements on your instruction.
• A platform fee of 0.6% of the total payout value is charged per executed payout run, with a minimum fee of ₦50 per run. This fee is deducted from your wallet balance automatically upon execution.
• AI processing credits are consumed at the rate of 1 credit per payout run, including reruns. Credits are non-refundable once consumed. New accounts receive 5 free AI credits upon completing onboarding. Additional credits can be purchased in bundles, with funds deducted directly from your wallet.
• FlowPilot reserves the right to modify its fee structure with 30 days' written notice.
• FlowPilot is not responsible for payout failures caused by insufficient recipient account details, third-party bank outages, or network interruptions.

We collect and process data appropriate to your account type, including:

• Identity data: For individuals — full name, date of birth, government ID, BVN/NIN, and biometric data. For businesses — entity name, registration number, TIN, director details, and authorised signatory identities.
• User data: Email addresses, phone numbers, login timestamps, and IP addresses of account holders and team members.
• Payout data: Beneficiary names, bank account numbers, payment amounts, purposes, and risk assessments associated with your payout runs.
• Transactional data: Wallet top-up history, payout execution records, platform fee logs, and AI credit usage.
• Usage & technical data: Browser type, device information, feature usage, API call logs, and audit trails generated during platform use.

We process this data to (a) deliver and improve our services; (b) comply with legal and regulatory obligations; (c) detect fraud and maintain platform security; and (d) communicate important service updates. We do not sell your personal data to third parties. Data is retained for a minimum of 7 years to comply with financial recordkeeping requirements, or longer where required by law. For full details, see our Privacy Policy.

You must not use FlowPilot to:

• Execute payouts for illegal, fraudulent, or money-laundering purposes.
• Pay individuals or entities on any sanctioned persons or entities list.
• Attempt to bypass, reverse-engineer, or exploit any security or approval control.
• Share account credentials with unauthorised persons.
• Upload beneficiary data that you do not have legal authority to process.
• Misrepresent your account type, identity, or the nature of your payout activity.

Violation of this policy may result in immediate account suspension, fund freezing, and referral to relevant regulatory or law enforcement authorities.

To the maximum extent permitted by applicable law, FlowPilot and its officers, directors, employees, and affiliates shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages.
• Loss of profits, data, goodwill, or business opportunity.
• Payout failures caused by third-party banking infrastructure outages.
• Erroneous payouts approved by you or your authorised team members.
• Any loss arising from your failure to maintain adequate internal controls or approval workflows.

FlowPilot's total aggregate liability to you for any claim arising from or related to these Terms or your use of the platform shall not exceed the total fees paid by you to FlowPilot in the three (3) months preceding the event giving rise to the claim.