FlowSocial is part of MoneyFlow, the operating system for financial advisors · See all tools
FlowSocial is part of MoneyFlow, the operating system for financial advisors · See all tools
Version 1.3 · Last updated: July 2026
1.1 This document governs the use of the website, the application, the system and the services of מאני פלואו בע"מ, Company No. 517326245 ("the Company" or "Moneyflow"). The Company's address: Totzeret HaAretz 3, Petah Tikva, Israel.
1.2 By accessing or using the Service, the User confirms that the User has read the Terms, understood them and agreed to them and to the supplementary documents that apply to the service the User is using.
1.3 If you do not agree to these Terms, you must not use the Service.
2.1 These Terms apply to every person or entity using the Service, including private Users, family members, Advisors, professionals, trial Users, Users of free services and visitors to the website.
2.2 The Moneyflow Advisor Use Agreement and dedicated annexes may also apply to Advisors and professionals. In the event of a conflict on a professional or business matter concerning an Advisor, the more specific arrangement shall prevail.
2.3 The Service is intended for Users aged 18 and over. Use on behalf of a minor shall be made only by a parent or guardian, and in accordance with the law and with the capabilities that the Company makes available for that purpose.
3.1 "the Service" – the website, the application, the Moneyflow system, the interfaces, the tools and the services ancillary to them.
3.2 "User" – any person or entity that accesses or uses the Service.
3.3 "Account" – the User's account in the Service.
3.4 "User Content" – information, documents, images, data, texts, files and content that the User, or anyone on the User's behalf, enters into the Service.
3.5 "AI Services" – artificial intelligence capabilities integrated into the Service.
3.6 "Open Banking Information" – financial information received from a source entity by means of a financial information service, including by means of Feezback, in accordance with the Client's consent.
4.1 Moneyflow is a technology platform intended to help families and professionals manage, understand and plan financial and business matters. Within the framework of the open banking services, Moneyflow is in the process of obtaining a license to provide a financial information service under the Financial Information Service Law, 5782-2021 (חוק שירות מידע פיננסי, התשפ"ב-2021).
4.2 The Service may include, among other things:
4.2.1 Management of budget, income, expenses, assets, liabilities and goals.
4.2.2 Displays, calculations, metrics, alerts and insights.
4.2.3 Sharing of information among family members or with an authorized professional.
4.2.4 Management of clients, meetings, documents, questionnaires, mailings and automations.
4.2.5 Artificial intelligence services.
4.2.6 Connections to third-party services, including email, calendars, social networks and financial information services.
4.2.7 Additional services that the Company will offer from time to time.
4.3 The Company is entitled to add, change or remove components of the Service in accordance with the development of the product, security needs, the law or business changes.
5.1 Moneyflow provides technological tools and does not provide financial, investment, pension, insurance, mortgage, tax, legal or other professional advice, unless expressly stated otherwise with respect to a particular service.
5.2 Information, calculations, metrics, insights, alerts and AI outputs are not a substitute for professional review or for independent judgment.
5.3 Responsibility for decisions made on the basis of the use of the Service rests with the User and with the professional accompanying the User, as the case may be.
6.1 When opening an Account, the User undertakes to provide accurate, complete and up-to-date information.
6.2 The User is responsible for keeping confidential the password, the authentication means and the access details of the User's Account, and for not allowing unauthorized use of them.
6.3 The User is responsible for actions performed through the User's Account, unless the User notified the Company without delay of a suspicion of unauthorized use.
6.4 The Company is entitled to require identity verification, verification of contact details or additional security measures as a condition for using certain services.
7.1 Where an Account is shared by family members, each authorized User may be able to view information, update it or perform actions in accordance with the permissions granted to that User.
7.2 The User is responsible for ensuring that the User is entitled to enter information concerning family members or other persons, and that the consents required for doing so have been given.
7.3 Connecting an Advisor or professional to the Account gives that Advisor or professional access only to the information and permissions that the User has approved, and only for as long as an active relationship and an appropriate authorization exist. Open Banking Information is accessible only to the Client who connected the account, and shall not be displayed to an Advisor, a family member, a team member, a recipient party or any other user, even if a general sharing permission exists. Insurance and pension information, and other information that does not originate from open banking, may be shared in accordance with the Client's choice, the system permissions and the law. The User is entitled to limit or revoke the access, and the Advisor is required to stop using the information upon revocation of the authorization, subject to retention and documentation obligations under law.
8.1 The information that the User enters into the Service remains the property of the User or of the holder of the rights in it. Moneyflow does not acquire ownership of User Content.
8.2 The User grants the Company a limited permission to process, store, display, back up and transfer User Content to the extent required for operating the Service, securing it, support, improving it and compliance with the law, in accordance with the Privacy Policy.
8.3 The User represents that the User is entitled to use the content the User uploaded, and that the content does not violate any law, privacy rights, copyrights, duty of confidentiality or rights of a third party.
9.1 The User undertakes to use the Service lawfully, reasonably and in accordance with the purposes for which it is intended.
9.2 The Service must not be used for:
9.2.1 Unlawful, misleading, offensive or rights-infringing activity.
9.2.2 Impersonation, fraud or the provision of false information.
9.2.3 Intrusion, scanning, circumvention of permissions or compromising the security of the Service.
9.2.4 Uploading harmful code, malicious software or content that could harm the Service or other Users.
9.2.5 Sending spam, mailings or messages without the required consents.
9.2.6 Copying, selling, renting, reverse engineering or unauthorized commercial use of the system.
9.2.7 Use that materially exceeds quotas, limitations or the Acceptable Use Policy.
9.3 The Company is entitled to limit, suspend or terminate use that breaches these Terms or that creates a risk to Users, to the Service or with respect to the law.
10.1 The Service may include content, suggestions, analyses, drafted texts and insights generated by means of artificial intelligence.
10.2 AI outputs may be incorrect, partial, out of date or unsuitable for a particular case. The User is responsible for reviewing and verifying any output before relying on it or passing it on to another person.
10.3 Information that the User is not authorized to process or transfer must not be entered into the AI Services. Open Banking Information shall not be sent to an AI provider and shall not be processed by means of an external AI capability, even when the User requests an AI-based action. Moneyflow is entitled to block an action, filter fields and log an attempted use in order to enforce this restriction.
10.4 Use of the AI Services may be subject to quotas, technological limitations and the availability of third-party providers. Further details appear in the Moneyflow Artificial Intelligence Use Policy.
11.1 The Service may enable connection to external accounts or services, including financial information services, Google, Gmail, Calendar, Microsoft/Outlook, Meta, Facebook, Instagram, Threads, LinkedIn, X, TikTok, YouTube, Telegram, payment providers, mailing, messaging and cloud services.
11.2 For open banking, Moneyflow uses the services of Feezback, an external financial information service provider that has independent duties and powers under the law and under the agreement with it, and not merely as an ordinary subcontractor. For receiving and aggregating insurance and pension information, Moneyflow may use the services of Polywizz. These providers are third parties and are not part of Moneyflow.
11.3 The connection is made at the User's choice and with the User's authorization. The User is also responsible for complying with the terms of the external provider.
11.4 The availability, functioning and terms of external services may change and are not under Moneyflow's full control. The Company is entitled to change or discontinue an integration if this is required for technological, business, security or legal reasons.
11.5 The manner in which information received from external services is used is set out in the Privacy Policy and in the relevant authorization notices.
12.1.1 Moneyflow, which is in the process of obtaining a license to provide a financial information service, uses the services of Feezback as a technological infrastructure and as an external financial information service provider for the purpose of connecting to bank accounts and receiving information from them. The User is entitled to choose to make the connection, and it shall be made only after an action initiated by the User and the User's express authorization, in accordance with the scope and the period of the authorization that were presented to the User. The identification and OTP process may be carried out by means of Feezback. Moneyflow does not request or store bank passwords or OTP codes for the purpose of future login.
12.1.2 The connection is intended for receiving information and for display to the Client only. Open Banking Information shall be labeled according to its source and shall not be transferred to an Advisor, a family member, an AI provider, an external CRM system, an automation, a webhook, a referral or any other third party, and shall not be included in a shared report or export. The Client who connected the account is entitled to export the information for the Client's own use by means of the personal export tool in the system, in the format and to the extent that the system supports. Moneyflow cannot, by means of this connection, transfer or withdraw funds, change standing orders, create a charge or perform any action in the bank account. The User is entitled to disconnect the connection or revoke the authorization, and, where necessary, shall be asked to renew an authorization that has expired.
12.2.1 Moneyflow uses the services of an external information and aggregation provider named Polywizz for the purpose of retrieving or importing insurance and pension information. The action shall be carried out only after the User has given consent and authorization and has completed verification or filled in documents, to the extent required. The information may include policies, coverages, premiums, insurance data, pension, provident fund, study fund, savings, documents and related information.
12.2.2 Moneyflow is not an insurance company, an insurance agency or an institutional entity, does not issue any product and does not guarantee that the information reflects all of the rights, coverages, terms or balances. The User is entitled to revoke an authorization or stop future retrievals in accordance with the options of the Service.
12.3.1 The Company works to present information received from the external information and aggregation providers Feezback and Polywizz, or from the source entity, clearly, but does not undertake that the information will be complete, continuous or up to date at every moment. There may be delays, errors, duplications, omissions or differences between the data in the Service and the source data. To the extent possible, the time of the last retrieval or synchronization shall be displayed.
12.3.2 In the event of a conflict, the records held by the bank, the insurance company, the institutional entity or the original information provider are decisive. Before making a financial, insurance or pension decision, the information must be verified against an official source or with a licensed professional. The system shall display, to the extent that the Service supports it, connection status, the date on which consent was given, expiry date, last synchronization, renewal and revocation, and a direct link to Feezback's consent-management interface. Revoking consent, stopping future retrievals, disconnecting the connection and deleting information are separate actions, and shall be handled in accordance with the Data Deletion Policy and the law.
13.1 Some of the services are provided free of charge and some are subject to a subscription or to a separate payment.
13.2 The price, the billing period, the services included and the limitations shall be presented to the User before the purchase.
13.3 The User authorizes the Company or the payment provider to charge the means of payment that the User provided in accordance with the plan that the User selected.
13.4 A renewing subscription shall be renewed in accordance with the selected billing period until it is cancelled. Cancellation shall take effect at the end of the period that was paid for, unless the law or the terms of the offer require otherwise.
13.5 Refunds, cancellations and consumer transactions shall be handled in accordance with the law and with the specific provisions presented at the time of purchase.
13.6 A failed charge does not cancel a debt that has accrued. The Company is entitled to make additional charge attempts or to restrict a paid service until the debt is settled.
14.1 The Company is entitled to offer a trial period, an introductory price, a benefit or a service free of charge.
14.2 At the end of a trial period, automatic charging may begin, only if this was presented to the User in advance and the User provided a means of payment and an appropriate approval.
14.3 The Company is entitled to change or discontinue benefits with respect to future use, without prejudice to rights that have already vested under law.
15.1 All rights in the Moneyflow system, including the software, the code, the design, the interfaces, the algorithms, the databases, the brands, the logos, the content and the processes, belong to the Company or to rights holders who have granted it an appropriate license.
15.2 The Company grants the User a limited, personal, revocable and non-exclusive right to use the Service in accordance with these Terms.
15.3 It is prohibited to copy, distribute, sell, make available to the public, create a derivative work of, reverse engineer or exploit any component of the Service without written permission, except to the extent that the law expressly permits.
16.1 The collection of information, its use, retention and transfer, and the User's rights are governed by Moneyflow's Privacy Policy.
16.2 The Company operates security measures designed to protect the information, but no system is absolutely secure. The User undertakes to take reasonable precautions and to notify the Company without delay of a suspected security incident or unauthorized use.
17.1 The Company works to maintain the availability and proper functioning of the Service, but does not undertake continuous availability, any particular response or resolution time, real-time synchronization, or that the Service will be free of errors. With respect to open banking services, availability also depends on Feezback, on the source entities, on communications infrastructure and on regulatory directives, and the Company does not undertake a level of service higher than that set in a dedicated binding agreement, if one exists.
17.2 There may be downtime for maintenance, security, updates, malfunctions or circumstances beyond the Company's control.
17.3 The Company is entitled to change the Service, its structure and its capabilities. In the event of a material discontinuation of a paid service, the Company shall act to give reasonable notice and to grant a remedy in accordance with the law and the circumstances.
18.1 The User is entitled to stop using the Service and to close the User's Account in accordance with the options offered in the system.
18.2 The Company is entitled to restrict or suspend an Account in the event of a breach of the Terms, non-payment, unlawful use, a security risk, harm to Users or a requirement of law.
18.3 To the extent that the circumstances allow, notice and a reasonable opportunity to cure the breach shall be given. In the event of an immediate risk, a serious breach or a requirement of law, the Account may be suspended immediately.
18.4 Upon termination of the Account, information shall be retained or deleted in accordance with the Privacy Policy, the Data Deletion Policy and the law. To the extent possible, the User shall have the option to export information by means of the tools available in the system before the deletion is completed. The Client who connected the bank account is entitled to export Open Banking Information for the Client's own use by means of the personal export tool in the system, in the format and to the extent that the system supports. This information shall not be included in an export to an Advisor, a family member, a team member, a recipient party or any other third party.
19.1 The Service is provided "as is" and subject to its availability.
19.2 Except for liability that cannot be limited under law, the Company is not liable for indirect, consequential or special damage, for loss of profit, for loss of opportunity, for loss of data, or for a professional or financial decision made on the basis of the Service.
19.3 The Company is not liable for User Content, for the actions of other Users, for the professional service of an Advisor or a provider, or for a malfunction originating in an external service that is not under its control.
19.4 Toward a business or professional User, the Company's aggregate liability in connection with the Service shall not exceed the amount that User paid to the Company during the 12 months preceding the event for which liability is claimed. Nothing in this section derogates from consumer rights that cannot be contracted out of under law.
20.1 A business or professional User shall indemnify the Company, its managers and its employees for any claim or damage caused as a result of unlawful use of the Service, a breach of the Terms, an infringement of the rights of a third party or content that the User uploaded, provided that the Company notified the User of the claim and allowed the User to participate reasonably in the defense against it.
20.2 This section shall not apply to a private User where its application is prohibited or restricted by law.
21.1 The Service may include links, content or offers of third parties. Their display does not constitute an undertaking, a recommendation or a responsibility of Moneyflow, unless expressly stated otherwise.
21.2 Any engagement with a third party is made at the User's responsibility and subject to that third party's terms.
22.1 The Company is entitled to update these Terms due to a change in the law, in regulation, in the Service, in technology or in the business model.
22.2 In the event of a material change, advance notice shall be given by the customary means in the Service. A financial change shall apply in accordance with the law and with the notice given.
22.3 Continued use after the update has taken effect shall constitute consent to the updated Terms, to the extent permitted by law.
23.1 Israeli law shall apply to these Terms.
23.2 Exclusive jurisdiction over any dispute relating to these Terms shall be vested in the competent courts in the Tel Aviv District, subject to provisions of law that cannot be contracted out of.
24.1 These Terms and the supplementary documents constitute the entire agreement between the User and the Company regarding the use of the Service.
24.2 If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in force.
24.3 Failure to enforce a right in a particular case shall not be deemed a waiver of that right in the future.
24.4 The User is not entitled to transfer the User's rights or obligations without the Company's consent. The Company is entitled to transfer its operations and its rights in the framework of a merger, acquisition, restructuring or transfer of operations, provided that the User's rights are preserved in accordance with the law.
25.1 Use of the Service is also subject to the following documents, as applicable:
25.1.1 Privacy Policy
25.1.2 Acceptable Use Policy
25.1.3 Artificial Intelligence Use Policy
25.1.4 Information Security Policy
25.1.5 Moneyflow Advisor Use Agreement, for Advisors and professionals.
25.1.6 Referral and Commissions Program Annex, for those who have chosen to participate in the program.
25.1.7 Data Deletion Policy
25.1.8 Terms or annexes dedicated to a particular service.
25.2 In the event of a conflict, the more specific arrangement shall prevail with respect to the matter it governs.
26.1 Questions regarding these Terms may be addressed to support@moneyflow-ai.com.