Terms of Service

Effective Date: 1st March 2025. These Terms and Conditions (“Terms”) govern your access to and use of the Fluida platform (“Fluida” or “Fluida Technologies”), a product operated by Liquid Grumello SRL, an Italian limited liability company registered at Via Grumello 26, Sondrio, 23100, Italy. By accessing or using Fluida, you agree to be bound by these Terms. If you do not agree with these Terms, do not use the service. 1. Overview Fluida is a financial technology platform designed to facilitate cross-border business payments and streamline invoicing and settlement processes. The service is intended for business use only. Fluida is a financial technology company, not a bank or a money services business. Certain services are provided by our licensed partners across the globe. By creating your account on Fluida, you agree to our terms and conditions, our partners' terms, to all applicable laws and regulations, and agree that you are responsible for compliance with any and all applicable local laws. 2. Eligibility You must be at least 18 years old and authorized to act on behalf of a business entity to use Fluida. By using the platform, you confirm that you meet these requirements. 3. Account Registration To access Fluida, you may be required to create an account and provide accurate business and personal information. You agree to keep this information up to date and secure. 4. Use of the Platform You agree to use Fluida only for lawful business purposes and in compliance with all applicable laws and regulations. Liquid Grumello SRL reserves the right to suspend or terminate accounts that violate these Terms. 5. Fees Fluida may charge fees for certain transactions or services. You will be informed of any applicable fees before completing a transaction. 6. Third-Party Services Fluida may integrate with third-party services (e.g., payment processors, banking APIs). Your use of those services is subject to their respective terms and privacy policies. 7. Data Privacy We take data privacy seriously. Please refer to our [Privacy Policy] for information on how we collect, use, and protect your data. 8. Intellectual Property All content and technology associated with Fluida are the intellectual property of Liquid Grumello SRL. You may not reproduce, distribute, or modify any part of the service without written permission. 9. Disclaimers Fluida is provided “as is” without warranties of any kind. We do not guarantee uninterrupted or error-free operation. Use of the platform is at your own risk. 10. Limitation of Liability To the maximum extent permitted by law, Liquid Grumello SRL shall not be liable for any indirect, incidental, or consequential damages arising out of your use of Fluida. 11. Changes to These Terms We may update these Terms from time to time. We will notify you of material changes, and your continued use of Fluida after such changes constitutes your acceptance of the new Terms. 12. Governing Law These Terms are governed by the laws of Italy. Any disputes shall be resolved in the courts of Milan, Italy.

If you have any questions about these Terms, please contact us at: legal@getfluida.com