1.1 Purpose

The purpose of this agreement is to outline the terms and conditions governing your use of the Instaflow app, a platform that enables users to send money between Canadian accounts, transfer money within Nigeria, and convert currencies between CAD and NGN. By accessing and using Instaflow, you agree to be bound by these Terms of Use.

1.2 Agreement

These Terms of Use constitute a binding agreement between you (the "User") and Instaflow. By creating an account, using our services, or accessing any content, you acknowledge that you have read, understood, and agreed to abide by these terms.

2.1 Your Access

Instaflow grants you limited, non-transferable access to use the app for sending and receiving money, converting currencies, and paying Canadian bills. You are responsible for maintaining the confidentiality of your account and password and for all activities that occur under your account.

2.2 Alerts, Notifications, and Service Communications

By using Instaflow, you consent to receive communications from us electronically. These may include alerts, transaction notifications, or service-related announcements. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.

3.1 Information Provided to User Not Guaranteed

The currency conversion rates, transaction times, and financial data provided within the app are subject to change and may vary based on market conditions. Instaflow does not guarantee the accuracy, completeness, or timeliness of any information presented.

3.2 Disclaimer of Warranties

Instaflow is provided on an "as is" and "as available" basis, without any warranties, express or implied. We do not warrant that the app will be error-free, uninterrupted, or free from viruses or other harmful components.

3.3 Limitation of Liability

Under no circumstances shall Instaflow, its affiliates, or partners be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the app, even if we have been advised of the possibility of such damages.

4.1 Dos

1. Use Instaflow for lawful purposes, including sending money, converting currencies, and paying bills
2. Ensure all information provided during transactions is accurate and complete.
3. Keep your account secure by using strong passwords and enabling two-factor authentication where available.

4.2 Don'ts

1. Do not use Instaflow for any illegal, fraudulent, or unauthorized activity.
2. Do not attempt to exploit any vulnerabilities in the system or reverse engineer any part of the app.
3. Do not share your account information or credentials with anyone else.

5.1 Integration & Severability

These terms, along with our Privacy Policy, constitute the entire agreement between you and Instaflow. If any provision is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.

5.2 Advice May Differ

Any information, tips, or advice provided within Instaflow is general in nature and may not suit every situation. Users should consult professionals for personalized financial advice when necessary.

5.3 Portfolio Aggregation

Instaflow may offer features that aggregate and display data across multiple financial institutions or accounts. You acknowledge that this service is provided for convenience, and Instaflow is not responsible for the accuracy of third-party information.

5.4 Communication

You agree that any feedback, ideas, or suggestions you provide to us about Instaflow may be used without restriction and without compensation to you.

5.5 Feedback

We welcome feedback to improve the user experience. By submitting feedback, you grant Instaflow a non-exclusive, royalty-free license to use, reproduce, and distribute your feedback as needed.

5.6 Questions

If you have any questions or concerns about these Terms of Use, feel free to contact our support team at support@instaflow.com