Welcome to Assets Flow ("the App"). These Terms of Service ("Terms") govern your use of the Assets Flow application and its services. By using the App, you agree to these Terms.
1. Acceptance of Terms
By downloading or using the Assets Flow application, you agree to be bound by these Terms of Service. If you do not agree to these Terms, you may not use the App.
2. Use of the App
The App is intended for personal use only for the purpose of managing personal investment portfolios. The App may not be used for commercial or unlawful purposes without prior written consent.
3. Account and Security
You are responsible for maintaining the confidentiality of your password and for all activities under your account
You must notify us immediately of any unauthorized use of your account
We use Google Authentication for secure login
We encrypt your data but are not liable for any data breach resulting from your negligence
4. Content and Data
All information provided in the App is for informational purposes only and does not constitute financial advice
We do not guarantee the accuracy or completeness of the information displayed
Use of the information is at your own risk
5. Rights and Obligations
Assets Flow reserves the right to update, modify, or discontinue parts of the App at any time without notice.
6. Limitation of Liability
To the maximum extent permitted by law, Assets Flow and its partners shall not be liable for any direct, indirect, consequential, punitive, or special damages arising from use of the App.
7. Termination
We may suspend or terminate access to the App, temporarily or permanently, without notice, for any reason, including:
Breach of these Terms
Unlawful or negligent activity by the user
Technical issues or App failures
Reasons beyond our control
8. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting in the App.
Sprint 1.5 tier-matrix update (effective July 27, 2026): Custom investments (standalone deals not linked to a project) and standalone loans are now features of the Premium subscription tier. Pre-existing standalone investments and standalone loans created before the effective date remain visible and are not deleted; editing them after the effective date requires a Premium subscription. Projects where the legacy dealType === 'loan' field is set are being archived and migrated into standalone loans under your account — you may receive a notification email describing the migration. Your data is yours and remains exportable at any time. If you are on a Free subscription and wish to cancel your account because of this change, see Section 11 (Refunds) for your pro-rata rights under Paddle's consumer-protection terms.
9. Governing Law
These Terms are governed by the laws of the State of Israel. Any dispute relating to these Terms shall be brought before a competent court within Israel.
10. Investment Information Disclaimer
Important: Data Accuracy Notice
The information displayed in Assets Flow is only as accurate as the data you enter or the sources from which it is automatically collected. Assets Flow does not verify or validate your investment data against external sources. For auto-collected project data, we gather information from publicly available sources for your convenience — this data may be outdated, incomplete, or inaccurate. We strongly recommend always verifying project details directly with the originating platform before making investment decisions, and double-checking your information against official sources such as bank statements, brokerage accounts, property management portals, and other authoritative financial records.
Assets Flow is a dashboard tool designed to help users track and visualize their investment portfolios. The application serves solely as an informational display and organizational tool.
Dashboard Only: Assets Flow functions exclusively as a dashboard for displaying information. It does not make, suggest, or recommend any business, investment, or financial decisions. All decisions are made solely by you, the user.
No Recommendations: Assets Flow does not provide recommendations, suggestions, or guidance on buying, selling, holding, or managing any assets or investments. Any appearance of recommendation in the App is purely coincidental and should not be relied upon.
User-Entered Data: All investment information displayed in the App reflects data entered by you, the user. Assets Flow does not independently verify, validate, or guarantee the accuracy of any information you input.
Verification Responsibility: You are solely responsible for verifying the accuracy and completeness of all investment information by contacting the relevant financial institutions, including but not limited to: banks, credit companies, brokerage firms, insurance companies, pension funds, and any other entities that manage or hold your funds.
No Financial Advice: Assets Flow does not provide financial, investment, tax, or legal advice. The App merely displays the information you have entered for your convenience.
Business Decisions: Assets Flow is not responsible for any business, investment, or financial decisions you make. You acknowledge that all such decisions are made at your own risk and discretion.
Limitation of Liability for Investment Data: Assets Flow shall not be liable for any losses, damages, or issues arising from reliance on the information displayed in the App, including but not limited to: inaccurate investment valuations, missed payments, incorrect interest calculations, or any other discrepancies between the App's display and your actual financial position.
Data Accuracy: Any errors, omissions, or inaccuracies in the data displayed are the responsibility of the user. Assets Flow is not responsible for ensuring that the information you enter matches your actual investments.
11. Refunds
Subscription payments are processed by Paddle.com Market Limited ("Paddle"), our Merchant of Record. Paddle is the seller of record for Assets Flow subscriptions, and consumer-protection rights attached to the purchase flow through Paddle's purchase and refund framework. This Section 11 describes how refunds work for the Assets Flow App.
Statutory cooling-off (Paddle consumer-protection): If you are a consumer (not a business), you have the right to cancel your subscription within 14 days of the initial purchase or renewal without giving any reason. This 14-day right is provided under Paddle's consumer-protection terms and applicable consumer-protection law. To exercise this right, contact service@assetsflow.work or contact Paddle support directly at sellers@paddle.com.
Pro-rata refund after the cooling-off window (Sprint 1.5 tier-matrix change): If your subscription was active on July 27, 2026, and the Sprint 1.5 tier-matrix change (Section 8) is material to you, you may cancel with a pro-rata refund for the unused portion of your subscription period beginning July 27, 2026. The pro-rata refund is calculated by dividing the number of whole unused days from July 27, 2026 (inclusive) through the end of your current billing period by the total number of days in the current billing period, and multiplying that fraction by the subscription price actually paid for the current period. We will process the pro-rata refund within 14 days of confirming your cancellation request via the methods in Section 11 (Refunds) — "How to request".
Free-trial period: New Premium subscribers are eligible for a 14-day free trial. No charge is applied during the trial. If you cancel during the trial, no charge will be made.
Monthly subscriptions: Monthly subscriptions are billed in advance. Outside the Paddle consumer-protection 14-day cooling-off window, cancellation takes effect at the end of the current billing period and no pro-rata refund applies other than as expressly provided under the Sprint 1.5 tier-matrix change above.
Annual subscriptions: Annual subscriptions are billed as a single upfront payment. A 14-day money-back guarantee applies to new annual subscriptions. After that window, the Sprint 1.5 tier-matrix pro-rata refund right above applies if the change is material to you; otherwise the subscription continues to the end of the 12-month period.
How to request: To request a refund under any clause of this Section 11, reply to the email notice sent to all registered users (subject line: "Important update to your Assets Flow account — Sprint 1.5 tier change"), or email service@assetsflow.work with the subject "Refund Request — Sprint 1.5". Please include your registered account email. We aim to respond within 2 business days. Refunds are issued to the original payment method within 5-10 business days of approval.
Payment disputes: If you believe you were charged in error, contact us at service@assetsflow.work immediately. Errors confirmed by us or by Paddle will be refunded in full within 5-10 business days.
Separate Refund Policy page: A more detailed refund policy is available at /legal/en/refund.html. In the event of a conflict between this Section 11 and the separate Refund Policy page, this Section 11 controls with respect to Paddle consumer-protection rights and the Sprint 1.5 tier-matrix pro-rata refund.
12. Tokenized Asset Tracking
Assets Flow may display information about tokenized investments, blockchain-based assets, and digital tokens. The following terms apply specifically to such functionality:
Tracking Only, No Transactions: Assets Flow is a portfolio tracking tool and NOT a cryptocurrency wallet, digital asset exchange, or blockchain transaction platform. The App cannot buy, sell, transfer, or hold any tokens or digital assets on your behalf.
User-Entered Token Data: All token-related information (token balances, contract addresses, wallet addresses, token symbols) displayed in the App is entered by you, the user. Assets Flow does not automatically verify this data against any blockchain.
Blockchain Verification Required: You must verify your actual token holdings, wallet balances, and transaction history directly on the relevant blockchain explorer (e.g., Etherscan, Polygonscan) or through your wallet provider. Assets Flow is not responsible for discrepancies between displayed data and actual blockchain state.
No Real-Time Blockchain Data: Token prices, balances, and other blockchain data displayed in the App may be outdated, inaccurate, or based on user input. Assets Flow does not guarantee real-time synchronization with any blockchain network.
Third-Party Token Providers: If you track investments from tokenization platforms (e.g., RealT, Lofty, or similar), you must verify all information with those platforms directly. Assets Flow has no affiliation with or access to these third-party services.
No Ownership Verification: Displaying token information in Assets Flow does not constitute proof of ownership. Legal ownership of tokenized assets is determined solely by the relevant blockchain records and applicable legal agreements (e.g., SPV shares).
Smart Contract Risks: Assets Flow is not responsible for any issues arising from smart contracts, including but not limited to: contract bugs, exploits, failed transactions, or loss of funds on the blockchain.
Regulatory Compliance: You are solely responsible for ensuring compliance with all applicable laws and regulations regarding tokenized assets, cryptocurrencies, and digital securities in your jurisdiction. Assets Flow does not provide legal or regulatory guidance.
13. Investor Communications
By using Assets Flow, you acknowledge and agree that we may occasionally communicate with you via your registered email address. Such communications may include:
Product updates and new feature announcements
Important service notifications
Investment-related updates relevant to your portfolio
Company news and announcements
Occasional promotional content
You can opt out of promotional communications at any time by clicking the unsubscribe link in the email or contacting us at service@assetsflow.work. Note that service-related communications (such as security alerts or account updates) cannot be opted out of as they are essential for the proper functioning of your account.
14. Projects and Investment Opportunities
Warning: No Investment Recommendations
The projects and opportunities displayed in the App are provided for informational purposes only and do not constitute a recommendation, offer, or encouragement to invest. Before making any investment, you should consult with a qualified professional (financial advisor, attorney, accountant) and conduct thorough independent due diligence.
Assets Flow serves solely as an aggregation platform. The App collects and displays information about projects and investment opportunities from various companies and providers:
Aggregation Only: Assets Flow collects and displays information about projects from various sources and companies. The App does not offer, recommend, or endorse any specific project or investment.
No Warranty on Projects: The projects displayed in the App are provided "as is" without any warranty, either express or implied. Assets Flow is not responsible for the accuracy, completeness, or reliability of any information displayed about any project.
No Affiliation with Providers: Assets Flow is not affiliated with, owned by, or representative of the companies or providers offering the projects. The information is displayed for your convenience only.
Independent Investment Decisions: Any investment decision you make is your sole responsibility. You should not rely on the information displayed in the App as the basis for any investment decision.
Duty to Consult: Before making any investment, you must consult with qualified professionals, including but not limited to: financial advisors, attorneys, accountants, and other relevant experts.
Investment Risks: All investments involve risk, including partial or total loss of capital. Assets Flow is not responsible for any losses arising from investments in projects displayed in the App.
Independent Due Diligence: You must conduct thorough and independent due diligence of any project before investing, including examining the offering company, legal terms, associated risks, and suitability of the investment for your needs and risk profile.
Third-Party Links: The App may contain links to external websites operated by third parties, including links to original project listings on external platforms. These links are provided for informational convenience only. Assets Flow does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party website. Accessing external links is at your own risk.
15. Project Creator Access to Investor Information
When you invest in a project that was created by another user on the platform, the project creator may view your display name and the date of your investment. This information is shared solely for the purpose of project management and investor communication. Financial details of your investment, including amounts, returns, payment schedules, and email addresses, remain private and are not shared with the project creator or any other party.
16. Concern Flags
What a Concern Flag is. A "Concern Flag" is a voluntary, subjective marker that an active investor in a project may place on that project to express the existence of a personal concern. A Concern Flag is not a factual allegation, not an accusation, not a determination that the project or its operators have violated any law, and not a legal document. AssetsFlow does not verify, evaluate, or endorse the substance of an investor's concern and is not responsible for it.
Disclosure threshold. The list of investors who have opted into disclosure becomes visible to a flagger only when both of the following conditions are met: (i) at least 3 genuine investors have placed an active Concern Flag on the same project; and (ii) the flagger themself has placed an active flag and opted into disclosure. A "genuine investor" for this purpose means an investor whose account was created at least 14 days before they placed the flag, and who has at least one payment at least 7 days old on that project. This threshold prevents disclosure on the basis of a single flag or on the basis of new accounts or accounts without a real investment.
Symmetric disclosure. An investor may see the disclosed details of other investors only if they themself have placed an active flag and opted into disclosure. There is no one-way disclosure. An investor who has not flagged, or who has flagged but has not opted into disclosure, does not receive access to the list.
Right of withdrawal and record retention. An investor may withdraw their Concern Flag at any time via the "My Concern Flags" screen in account Settings, or by deleting their account in full. Withdrawn flags are not deleted — they are marked as "withdrawn" and retained for audit and record-keeping purposes on the basis of legitimate interest (legal protection, internal audit, and prevention of mechanism abuse), including retention of the historical flag count for disclosure-threshold calculations. The identity details of a withdrawn flag are no longer shown to other investors from the moment of withdrawal.
Role of AssetsFlow. AssetsFlow provides this information only and does not organize legal action, does not advise, and does not recommend. Sharing details is voluntary and occurs directly between investors. Any communication between investors who have been disclosed to one another outside of the platform, and any act flowing from it, is the sole responsibility of those investors — including any further disclosure of details passed between them. AssetsFlow is not responsible for the content, outcomes, or legality of such communication.
17. Premium Tier Discontinuation (Shield Pivot)
Effective Date of this section: July 27, 2026, OR the date the VITE_HIDE_PREMIUM_PUBLIC feature flag is activated in production, whichever is later (the "Premium-discontinuation effective date"). AssetsFlow now offers a Free tier with full dashboard functionality (portfolio, calendar, projects, loans, and reports). Premium features are no longer offered for purchase. Existing paying Premium subscribers have been, or will be, migrated to the Free tier at no cost — their dashboard functionality continues without interruption, and they are no longer charged for Premium. Any active Paddle subscription is cancelled separately in accordance with Section 11 (Refunds); the 30-day prorated refund right under the separate Refund Policy applies where eligible. Premium-only automation features (such as Document AI, custom standalone investments, and standalone loans) continue to be governed by the gating logic in effect at the time of use; this section does not expand or restrict that gating.
AssetsFlow is launching a separate product, Shield Reports, available at shield.assetsflow.work. Shield Reports is a separate product with its own data-handling practices, terms, and pricing; nothing in these Terms grants any right in or to Shield Reports. References to Shield Reports in these Terms or in the App are informational only.
18. Contact
For questions or inquiries about these Terms, please contact:
Email: service@assetsflow.work
These Terms of Service were last updated on June 25, 2026