Last updated: October 01, 2025.
These terms and conditions and all of their Schedules and Amendments (the "Terms") constitute a legal agreement between you ("Client", "you" or "your") and FREEFLOW FINANCE S.A. DE C.V a company incorporated under the laws of El Salvador ("Freeflow Finance", "Company", "we", "us" or "our"). The Terms govern your use of the Services the Company made available to you on or through the Platform or otherwise. The Solution may be provided by us or, if specified in these Terms, by any of our Affiliates by any of our Affiliates.
Please read these Terms carefully as they are binding on and govern your use of our services. The Company may update or modify these T&C at any time. It is your responsibility to check for changes regularly. The modified terms will be posted on the website and will take effect immediately upon publication. By continuing to use the site after the changes are posted, you are presumed to have accepted them.
If you do not agree with any modifications, you must formally notify the Company. If you object, the Company will close your account. Before closing, you will be asked for instructions on how to handle the digital assets in your account; your account will be frozen until the Company receives your instructions.
By clicking 'Sign Up', you confirm that you have read, understood, and accept our Terms. If you disagree, you may not use our services.
If you are entering into this agreement on behalf of a legal entity, you represent and warrant that you have the authority to bind such entity to these Terms.
"Account": Your personal profile on the Platform that identifies you and records your transactions.
"Digital Asset": A digital representation of value that functions as a medium of exchange, unit of account, and/or store of value, including but not limited to Bitcoin and other cryptocurrencies supported by the Platform.
"Wallet": The software provided by the Platform, which allows you to store, send, and receive Digital Assets.
"Fiat Currency": Government-issued currency that is designated as legal tender.
"Instruction": Any order, command, or request you make via the Platform to buy, sell, exchange, transfer, or withdraw Digital Assets.
"User": An individual or legal entity that has registered an Account and is permitted to use the Services.
In order to use our services, you must create an account with us, truthfully and accurately provide all required information. The User is responsible for keeping this information up to date and will be held liable for any problems caused by outdated details. In addition, you must meet the following conditions:
2.1.1. If you are acting as an individual, you must have reached the legal age of majority in your jurisdiction and possess the legal capacity to agree to these Terms.
2.1.2 Have a valid email address, mobile phone number, and mailing address.
2.1.3. If you are acting as a legal entity, you must be duly organized, validly existing and in good standing under the applicable laws of your jurisdiction;
2.1.4. Your representatives must have full power and authority to enter into these terms on their own behalf or on behalf of a company.
2.1.5. Not be subject to any sanctions or listed on any restricted or prohibited list maintained by any competent authority, including, but not limited to, the United Nations Security Council, the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), or any similar authority.
2.1.6. You are not a resident of, incorporated in, or controlled, directly or indirectly by, any person located in or resident of a Restricted Jurisdiction, and you do not operate from any such jurisdiction. For the purposes of these Terms, "Restricted Jurisdictions" are those in which we reserve the right not to offer our services.
2.1.7. You warrant that your use of our services will not violate any applicable laws or regulations in your jurisdiction.
2.1.8. Not to use the Services on behalf of or for the benefit of any person or entity that is prohibited from using the Services.
Before we can activate your account or give you access to all features, we might need some more details from you to verify your information. If you don't complete the verification, we may have to close your account.
By agreeing to our Terms, you give us permission to verify your identity (and, if applicable, the identity of the company you represent). We may do this ourselves or use trusted third-party services to prevent fraud, meet legal requirements, and enforce these Terms. Depending on the outcome, we may take any action we consider necessary and are not required to share the results with you. Your data may be shared with credit bureaus, anti-fraud services, and financial crime authorities, who are authorized to provide us with the information we request.
3.1 Under Salvadoran law, the Services of the Company include:
i. Exchange of Digital Assets for fiat money or equivalent or for other Digital Assets, whether using own or a third party's capital;
ii. Operate a platform for exchanging or trading digital assets or derivative digital assets.
iii. Transfer of Digital Assets or the means to access or control them, between natural or legal persons or between different acquirers, electronic wallets or Digital Asset accounts; and
iv. Safeguard, custody or manage the Digital Assets or the means to access or control them.
3.2 Our platform allows you to buy and sell digital assets (crypto assets) priced in your local currency. The specific digital assets available for trading are listed on the platform. For the most up-to-date list of supported digital assets, please refer to our official page https://freeflow-fx.com/available-currencies. We may, at our sole discretion, add new digital assets or remove existing ones from the platform. We are not obligated to make any such changes.
3.3. You use the platform's services by giving instructions to buy, sell, exchange, or hold digital assets.
3.4. You accept that once a transaction based on your Instruction is processed, it is final and cannot be canceled or reversed.
3.5. We may set minimum and/or maximum amounts for transactions. You can check these limits on the platform at the time you place an Instruction. Instructions that do not meet these limits will not be accepted.
3.6. You are solely responsible for deciding if a transaction is right for you, based on your financial situation and risk tolerance. You confirm that you understand the risks involved in trading Bitcoin and other digital assets. All Instructions you give are based on your own judgment and at your own risk.
3.7. By using the services, you agree that:
Cancellations: We may not be able to cancel or change an Instruction before it is executed. We will only recognize a cancellation if we expressly approve it.
No Guarantee of Execution: We will try our best to execute all Instructions but do not guarantee that any Instruction will be executed, or executed at a specific price.
Right to Refuse Execution: We reserve the right not to execute your Instruction if:
3.7.1. It violates these Terms, the law, or our policies (e.g., involves illegal activity like money laundering or fraud).
3.7.2. There is a technical failure or the service is closed early.
3.7.3. A force majeure event occurs (e.g., war, terrorism, government action, decisions by other digital asset platforms).
3.7.4. There is a security breach on the platform.
3.7.5. Offsetting Transactions: During busy periods, we may match your transaction with that of another user to ensure efficiency. We commit to doing this fairly and will be responsible for any losses that result directly from this process.
3.8.1 With FREEFLOW FINANCE you can process incoming and outgoing transactions to and from your Wallet.
3.8.1.1. Each transaction is subject to review and confirmation by our Compliance team prior to processing. You can monitor the status of the transaction in your Dashboard, which may reflect any of the following statuses:
· Cancelled: The transaction was cancelled due to security concerns or because the amount was below the minimum threshold.
· Blocked: The transaction was flagged as suspicious during AML detection and is temporarily held for further compliance verification.
· Failed: The transaction failed at the blockchain level.
· Created: The transaction has been initiated and is pending processing. The status will be updated shortly.
· Unconfirmed: The transaction has been streamed to the blockchain, but has not yet received the required number of confirmations.
· Confirmed: The transaction has received the required number of confirmations and has been completed successfully.
3.9.1. You can generate a multiple single deposit address for your wallets, where you will only be able to receive payments in Digital Assets. Please note that your Wallet is not a deposit account and is not covered by any deposit protection or insurance scheme in El Salvador. However, the Company follows industry best practices and applies robust security measures to safeguard its digital assets. Importantly, your digital assets are always stored and managed separately from the Company's own assets at all times.
3.9.2. You are solely responsible for checking which networks are correct for depositing Digital Assets to the Platform, and for covering any related fees. The Company is not liable if you send assets via the wrong network or deposit unsupported assets. Such mistakes may result in the permanent loss of your assets, and any recovery costs will be your responsibility.
3.9.3. At our sole discretion, we may choose to attempt to identify and return the unbacked asset. However, we are under no obligation to do so. If we decide to proceed with recovery, we may charge a recovery fee to cover the costs and efforts involved.
3.10.1. The Company allows you to initiate various types of payments from your wallets, including but not limited to i) digital asset transfers; (ii) fiat currency withdrawals; or iii) internal transfers between wallets.
3.10.2. As part of our regulatory obligations, all payments undergo anti-money laundering (AML) and compliance screening. Consequently, processing is not always automatic and may be delayed until verification is final. Transactions that raise alerts may be placed on hold for manual investigation. In accordance with compliance requirements, we perform anti-money laundering (AML) and other checks on every transaction. Please be aware that this can extend processing times, as automatic processing is contingent on successful verification. Any transactions that trigger alerts will be temporarily suspended for further analysis.
3.10.3. You are responsible for ensuring the accuracy of payment details, including recipients' addresses and amounts. We will not be liable for losses resulting from incorrect payment information provided by you.
3.11.1. You can use the Platform to withdraw cryptocurrency, as allowed by our license.
3.11.2. Digital assets withdrawals will be sent to the digital wallet (Wallet) address you provide. Some wallets need extra information (like a Destination Tag) to receive funds; you must include this when you make the withdrawal request.
3.11.3. You are solely responsible for providing correct withdrawal details, such as bank account numbers or wallet addresses. Once a withdrawal is started, it cannot be canceled.
3.11.4. The Company cannot guarantee how long withdrawals will take, as delays can happen for reasons outside our control.
3.11.5. If you provide incorrect or incomplete bank or wallet details, the withdrawal will fail and can only be processed once you provide the correct information.
3.11.6. Withdrawing digital assets requires paying a fee, which has two parts: (a) a network fee (paid to the blockchain network to process the transaction) and (b) a service fee (covers our operational costs). The total fee will be estimated at the time of your transaction and is subject to market changes. You will see both fees before confirming. By confirming the withdrawal, you agree to pay these fees.
3.12.1. Any fiat currency you deposit with us from time to time will be separated from the Company's own funds. Such segregation is achieved by placing your funds in our partner banks and electronic money institutions (EMI), where they are held in fiduciary capacity for your exclusive benefit.
3.12.2. Your trust funds are not used for proprietary trading, lending or any other activity for the benefit of the Company. The use of client funds for the Company's operations is strictly prohibited.
3.13.1. The Company does not own the Digital Assets in your wallet, has not borrowed them, and its creditors cannot claim them. We do not consider your Digital Assets, or those of any other user, to be our property.
3.13.2. You understand, however, that in cases of insolvency or other legal actions, a court might rule differently and could make these assets available to the Company's creditors, even though this contradicts our stated position.
3.13.3. The Company does not claim any rights over your Digital Assets and will not use, sell, loan, or otherwise transfer them, unless:
(i) You instruct us to do so;
(ii) We are compelled by a legally binding court order; or
(iii) It is allowed by these Terms, such as when sending them to a third-party exchange for conversion.
3.13.4. We cannot guarantee that the Digital Assets in your account are not subject to claims, liens, or other encumbrances from third parties.
4.1. To use the Company Services, you must register and create an Account. By registering, you confirm that the information you provide is accurate, complete, and current.
4.2. To verify your identity, you agree to provide all necessary information and documents and to fully cooperate with our procedures to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations under applicable law.
4.3. You must keep your login details, passwords, and API keys safe and secret. It is your duty to use reasonable security practices to stop others from accessing your Account without permission. It must pass KYC verification.
4.4. If there is any reasonable doubt that any information provided by you is incorrect, false, not current or incomplete, we have the right to send you a notice to require corrections or to cancel all the Company Services.
4.5. For your account's security, we highly advise activating two-factor authentication (2FA). Once enabled, you are accountable for keeping your 2FA codes and backup options secure. You are also always responsible for the safety of your login details. Please note that our Company will never request your password or other authentication details. Any such inquiries should be viewed as suspicious and reported without delay.
4.6. You are solely responsible for all activities that occur under your Account. We are not responsible for any unauthorized access resulting from your failure to secure your account.
4.7. You must inform us immediately if you become aware of any unauthorized access to your Account, any suspected misuse of it, or any security breach concerning the Company Services.
4.8. Keep your transaction details confidential. Do not share information like your ID, transaction hash, recipient address, or account email with anyone except official the Company support. The Company will only ask for such details to help with a transaction you started, to process your request, or when required by law (such as for AML/KYC verification).
4.9. Keep your transaction and account information confidential. Do not share, provide, or allow unauthorized access to it, whether intentionally or by accident.
5.1. In consideration of your use of the Company Services, you acknowledge that you are aware of and have agreed to the applicable fees posted on our website at https://freeflow-fx.com/fees, or as otherwise communicated to you through valid communication channels.
5.2. We reserve the right to revise your prices or payment terms at any time. Any such changes will be communicated through valid communication channels and will take effect from the date specified. If you do not agree to the revised terms, we may terminate the provision of the Company’s Services and any other ancillary services in accordance with the applicable provisions. The latest commission rates and financial terms are available on our website.
5.3. The exchange rates of your digital assets displayed on your dashboard are indicative and can fluctuate in seconds due to market volatility. Accordingly, you acknowledge and agree that the final amount received may differ from the amount initially displayed.
5.4. You acknowledge that each transaction is subject to the exchange rates applicable at the time of execution and the corresponding amount will be deducted from your Account balance.
5.5. You acknowledge that the minimum deposit and payment values for each Digital Asset are as specified on our website. You agree to monitor these values and understand that any deposits below the specified minimum will not be processed through our Solution.
6.1. You recognize that using Digital Assets involves significant risks, such as high volatility, total loss of value, regulatory changes, cyberattacks, irreversible transactions, and liquidity risks.
6.2. You agree to bear full responsibility for all risks connected to the use, exchange, transfer, and storage of Digital Assets on our platform.
6.3. Our online services are vulnerable to operational risks like system failures, transmission delays, unauthorized access, and internet-based threats. Our security protocols do not guarantee complete protection.
6.4. You are solely responsible for assessing the nature and risks of Digital Assets. We offer no financial, legal, or tax advice and make no claims regarding the suitability of any asset for your purposes.
6.5. Digital asset transactions are permanent. You are entirely responsible for ensuring the accuracy of all transaction details before submission.
6.6. We are not liable for any losses arising from the mentioned risks, including price fluctuations, transaction delays, loss of access credentials, or security breaches not directly caused by us.
6.7. While we strive to maintain the security of the Company solution, no system is entirely secure, and you accept that service interruptions may occur for reasons beyond our control.
7.1. You must use the Company's Services lawfully, in line with these Terms, all applicable laws and regulations, and any of our policies.
7.2. You are not allowed to use, or permit others to use, the Service or your Account for any of the following:
(i) Conduct or aid any illegal or fraudulent acts.
(ii) Launder money or fund terrorism.
(iii) Deal with individuals, entities, or regions under international sanctions.
(iv) Use services designed to hide or disguise the source of funds (e.g., mixers, tumblers).
(v) Support transactions linked to illegal drugs, weapons, human trafficking, child exploitation, or other crimes.
(vi) Try to gain unauthorized access to our systems using automated tools or scripts.
(vii) Copy, decompile, reverse engineer, or disrupt the performance or security of our Services.
(viii) Send spam, run pyramid schemes, or engage in other fraudulent practices.
(ix) Falsely represent your identity or your association with any person or organization.
(x) Share your API credentials, login details, or access tokens without our permission.
(xi) Bypass or disable two-factor authentication (2FA) where it is in place.
(xii) Fail to perform necessary Know Your Customer (KYC) checks on your users when required by law or by us.
7.3. We have the right to investigate any activity we believe violates these Terms. We may suspend or terminate your Account and our Services without notice if we reasonably suspect a breach.
7.4. You will be responsible for any damages, losses, or legal issues that arise from you breaking these rules. We may also report any suspected illegal activity to the authorities without notifying you first.
7.5. You accept full responsibility for all risks involved in using, exchanging, transferring, and storing Digital Assets on our platform.
7.6. Our online services carry inherent risks such as system failures, data transmission issues, cyber-attacks, and unauthorized access. While we have security measures in place, we cannot guarantee they will be 100% effective.
7.7. You alone are responsible for understanding the nature and risks of Digital Assets. We do not provide financial, investment, legal, or tax advice and make no promises about whether Digital Assets are suitable for you.
7.8. You understand that digital asset transactions cannot be reversed. It is your responsibility to verify all transaction details before confirming.
7.9. We are not liable for any losses you suffer due to the risks mentioned here, including price volatility, transaction delays, lost credentials, or security breaches that are not our fault.
7.10. While we strive to keep our Services secure and operational, no system is completely safe from evolving threats. You acknowledge that service interruptions or failures can happen for reasons beyond our control.
8.1. You can close your account at any time through your account management panel. We will then guide you through a verification step to confirm your decision.
8.2. Some features may be disabled as soon as you request to close your account. Any payments received to your deposit address after your closure request will still be subject to our standard fees.
8.3. We are not responsible for any digital assets sent to a closed or deactivated account, nor for any financial losses that result from such transactions. We are under no obligation to retrieve or return these funds.
8.4. After your account is closed, you will still be able to access the payment functions necessary to withdraw or transfer any remaining digital asset balance.
8.5. We reserve the right to suspend or terminate your access to the Service at any time, providing you with 30 days' notice.
8.6. We may terminate your access to the Services immediately and without prior notice if:
· You provide false, misleading, or significantly inaccurate information.
· You fail to pay required fees or complete identity verification (KYC).
· You or your End Users are involved in or suspected of illegal activities like fraud, money laundering, or terrorist financing.
· Your actions create a regulatory, security, or reputational risk for us.
· Your account is impacted by legal or regulatory action.
· You violate these Terms, any applicable laws, or our policies.
· We are required to do so by law or a valid order from an authority.
· Your transactions are linked to sanctioned or high-risk entities (e.g., darknet markets, mixers, embargoed countries).
8.7. We may suspend your account and its processing capabilities if it shows no successful transaction activity for over six consecutive months. Following that, we may terminate the Service after providing written notice.
8.8. You must cease all use of the Services and your account, and must settle any outstanding obligations to us.
8.9. We will close your account(s) and return any leftover funds, minus any applicable fees and upon receiving required documentation.
8.10. If your End Users mistakenly send funds to your closed account and they are successfully deposited, we reserve the right to charge you a fee for handling these transactions.
8.11. Termination does not release you from any prior breaches of these Terms or obligations that existed before the termination date.
8.12. We are not liable for any business losses, interruptions, or disputes with third parties that arise from the suspension or termination of your access to the Service.
9.1. Our services are provided on an "as is" and "as available" basis, either stated or implied. To the fullest extent permitted by law, we disclaim all warranties, including, but not limited to, merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted access, or security.
9.2. You agree that we will not be held responsible for:
· Lost profits, sales, or business chances.
· Loss of your data or login information.
· Indirect, accidental, special, punitive, exemplary, or consequential damages.
· Damages resulting from hacks, system outages, or actions by third parties.
· Mistakes in cryptocurrency transactions or delays due to network issues, blockchain problems, or other platforms.
· Problems caused by your own actions, such as sharing your password, turning off two-factor authentication, or misusing our services.
· Losses you suffer from price changes of Digital Assets if a transaction is delayed for a payment review.
· Losses from using unsupported Digital Assets, including sending funds to incorrect or incompatible addresses.
9.3. You are solely responsible for making sure your use of our services is legal and complies with the laws in your area. We are not acting as your financial advisor, custodian, or tax agent.
9.4. Our total responsibility to you for any claim will be limited to the amount of fees you paid to us in the three months before the event that caused the claim, minus any costs we have already incurred.
9.5. These limitations do not apply in cases of fraud, intentional wrongdoing, severe negligence, or for any other liability that cannot be legally limited.
9.6. Indemnification: You agree to cover and protect our company, its partners, directors, and employees from any claims, costs, or expenses (including legal fees) that arise from:
· You breaking these Terms or any laws.
· You or your users misusing our services, for example, by misusing addresses or creating faulty transactions.
· Your failure to meet compliance requirements like KYC/AML checks.
· Third-party claims against us due to your use of our services, such as intellectual property infringement.
· Mistakes or omissions in the information you provide to us.
9.7. We have the right to take over the sole defense and control of any matter for which you are required to compensate us.
10.1. The formation, interpretation, and enforcement of these Terms, along with any disputes (even non-contractual ones), are exclusively governed by the laws of El Salvador. This choice of law is applied directly, ignoring any principles of conflict of laws.
10.2. The Parties are obligated to first seek a resolution for any dispute through good faith, amicable negotiations. Should these negotiations fail to resolve the dispute within a 30-day period following a formal notice, either Party is then entitled to initiate formal legal action.
10.3. The courts of El Salvador are designated as the sole and exclusive venue for any legal proceedings arising from these Terms. The Parties consent irrevocably to the jurisdiction of these courts and waive any right to challenge the suitability of this venue.
10.4. To the extent permitted by law, each Party waives its right to a trial by jury in connection with any action or proceeding arising out of or relating to these Terms.
11.1. Entire Agreement This document represents our complete and final agreement regarding this subject. It replaces all previous discussions, agreements, and understandings we may have had, whether spoken or written.
11.2. Amendments. We can update these Terms at any time by notifying you through our website or other official channels. If you continue to use the Company's services after being notified, it means you accept the new Terms. If you do not agree with the changes, you must discontinue using the service.
11.3. Divisibility. If a court finds any part of these Terms to be invalid or unenforceable, the rest of the Terms will remain fully effective.
11.4. No waiver. If we (or you) do not immediately enforce a right or remedy under these Terms, it does not mean we are giving up that right. Any waiver must be formally given in writing.
11.5. Allocation. You cannot transfer your rights or responsibilities under these Terms to anyone else without our written permission. We, however, may transfer our rights to an affiliate company or successor without notifying you.
11.6. Force majeure. We will not be held responsible for any delays or failures in our performance caused by events beyond our reasonable control. This includes things like natural disasters, war, terrorism, government actions, cyberattacks, or major infrastructure failures.
If such an event occurs:
(i) We will inform you in writing about the situation and its expected duration.
(ii) We will do our best to minimize the impact and resolve the situation.
(iii) We will not be liable for any obligations we cannot meet due to the event.
(iv) Once the event is over, we will work to resume our normal operations as quickly as possible.
If the event continues for more than 90 days, either party can choose to terminate the agreement immediately.
11.7. List of the parties. Our relationship under these Terms is that of independent entities. Nothing here makes us your partners, employers, or agents.
11.8. Communication. Unless we agree otherwise, all official communication between us will happen through designated channels like email, a ticketing system, or Slack. You are responsible for monitoring these channels for messages.
11.9. Taxation. You are solely responsible for figuring out and paying any taxes that result from your use the Company's services. We do not provide tax advice and are not responsible for any tax-related issues you may face.
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