Terms of Service

1. Overview

These Terms of Service ("Terms") form a binding agreement between CashFlow Limited ("CashFlow", "we", "us") and any organization ("Organization", "you") that registers for or uses the CashFlow disbursement platform.

By creating an account, funding a payment pool, or triggering a disbursement, you accept these Terms in full.

2. About CashFlow

CashFlow is a financial disbursement and payment-operations platform that enables NGOs, humanitarian organizations, government agencies, and enterprise relief programs to fund, validate, and pay beneficiaries across Mobile Money, banks, and wallets in Sierra Leonean Leones (SLE).

3. Registration & Verification

To use CashFlow, an Organization must register and provide accurate information about its legal entity, authorized contacts, and program ownership.

You authorize CashFlow to perform verification and due-diligence checks on your Organization and its representatives, and to request supporting documentation at any time.

4. Change of Information

You must notify CashFlow of any material change to your registration details — including authorized signatories, contact information, or beneficial ownership — within fourteen (14) days of the change.

5. License

CashFlow grants you a revocable, non-exclusive, non-transferable license to access and use the platform and its APIs solely for operating your disbursement programs in accordance with these Terms.

6. Organization Responsibilities

You are responsible for the accuracy of every beneficiary record, payment pool budget, and disbursement instruction submitted through CashFlow.

You agree to complete KYC validation on each beneficiary before any payout, to use the platform only for lawful purposes, and to safeguard your account credentials and API keys.

7. CashFlow's Undertakings

CashFlow will use commercially reasonable efforts to make the platform available, process valid disbursement instructions, and maintain audit trails and reporting for your programs.

CashFlow does not guarantee uninterrupted service and is not liable for delays caused by third-party payment channels, network operators, or events beyond its reasonable control.

8. Transaction Limits

CashFlow may set or adjust limits on the value, frequency, or volume of disbursements based on your KYC status, program profile, or regulatory requirements.

9. Service Fees & Charges

Disbursements are charged at a flat rate of 3.5% per transaction, inclusive of payout to Mobile Money, banks, and wallets. This fee is charged to the Organization, not the beneficiary.

Fees are exclusive of any applicable taxes and are non-refundable once a disbursement has been completed.

10. Settlement & Payout Schedule

Validated disbursements are settled to beneficiary Mobile Money, bank, and wallet accounts on a same-day basis where the receiving channel permits, including weekends and public holidays.

CashFlow may change or suspend the payout schedule where required for security, compliance, or operational reasons.

11. Incomplete KYC

Where beneficiary KYC is incomplete, disbursements to the affected beneficiaries will be held. Accounts with persistently incomplete verification may be limited or deactivated.

12. Handling of Funds

Funds loaded into a payment pool are held for the purpose of executing your disbursement instructions. CashFlow may hold funds with licensed deposit partners and disburse them only as instructed and permitted under applicable law.

13. Indemnity

You agree to indemnify and hold CashFlow harmless against any claims, losses, or damages arising from your use of the platform, your breach of these Terms, or inaccurate beneficiary or disbursement data you provide.

14. Right of Audit

CashFlow reserves the right to review records relating to your programs and disbursements for compliance, anti-money-laundering, and regulatory purposes.

15. Data Protection & Compliance

Each party will comply with applicable data-protection laws. You warrant that you have a lawful basis to share beneficiary personal data with CashFlow for the purpose of disbursement and verification.

CashFlow processes beneficiary data as a processor acting on your documented instructions and applies encryption, access controls, and audit logging to protect it.

16. Anti-Money Laundering & Counter-Terrorism Financing

CashFlow operates a zero-tolerance policy toward money laundering and the financing of terrorism. Suspicious activity may be reported to the relevant authorities and may result in holds, suspension, or termination.

17. Confidentiality

Each party will keep the other party's confidential information secure and use it only for the purpose of performing under these Terms, except where disclosure is required by law.

18. Restricted Activities

You may not use CashFlow for fraud, illegal payments, sanctioned parties, or any activity that could expose CashFlow to legal or reputational harm. CashFlow may block, suspend, or reverse disbursements that violate this section.

19. Term & Termination

These Terms commence when you first access the platform and continue until terminated. Either party may terminate on notice; CashFlow may suspend or terminate immediately for breach, regulatory, or security reasons.

20. Disclaimers & Limitation of Liability

The platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, CashFlow's aggregate liability under these Terms is limited to the fees paid by you in the three (3) months preceding the event giving rise to the claim.

21. Force Majeure

Neither party is liable for failure to perform caused by events beyond its reasonable control, including outages of payment channels, network operators, or acts of government.

22. Updates & Amendments

CashFlow may update these Terms from time to time. Material changes will be notified through the platform or by email, and continued use after the effective date constitutes acceptance.

23. Governing Law

These Terms are governed by the laws currently in force in the Republic of Sierra Leone, and disputes are subject to the exclusive jurisdiction of its courts.