Terms of Service

Last updated: 6 July 2026

These Terms govern access to and use of FLIORE, the Family Office Operating System operated by Innopulse Consulting GmbH, Gotthardstrasse 30, 6300 Zug, Switzerland (“FLIORE”, “we”). By creating an account or using the service, the organisation and its users (“you”) agree to these Terms.

1. The service

FLIORE provides software for family offices and trust providers to manage mandates, beneficial owners, consolidated assets, an encrypted document vault, transactions, KYC and compliance workflows, and related features. Features may evolve; we may add, change or deprecate functionality, giving reasonable notice of material adverse changes.

2. Accounts, roles and security

You must provide accurate registration details and keep credentials secure. Two-factor authentication is mandatory. You are responsible for activity under your accounts and for the roles you assign to your team and clients. Notify us promptly of any suspected unauthorised access.

3. Acceptable use

You may not use FLIORE to break the law, infringe rights, upload malware, attempt to breach tenant isolation or access another organisation's data, reverse-engineer the service, or use it to facilitate money laundering or sanctions evasion. FLIORE is decision-support software; it is not legal, tax or investment advice, and you remain responsible for your regulatory obligations and decisions.

4. Plans, billing and taxes

Paid plans are billed in advance on the interval selected. Fees are exclusive of VAT and other applicable taxes unless stated. Quotas (mandates, seats, AI credits) apply per plan. Non-payment may lead to suspension. Except where required by law, fees are non-refundable for partial periods.

5. Data and ownership

As between the parties, your data remains yours. You grant FLIORE the rights needed to host and process it to provide the service, as described in our Privacy Policy and the Data Processing Agreement. FLIORE retains all rights in the software itself. FLIORE does not train AI models on your client data.

6. Confidentiality

Each party will protect the other's confidential information and use it only as needed to perform under these Terms. This does not apply to information that is public, independently developed, or lawfully received from a third party.

7. Availability & support

We aim for high availability but do not guarantee uninterrupted service. Planned maintenance will be communicated where practical. Support is provided through the channels described for your plan.

8. Warranties & disclaimers

The service is provided “as is” to the extent permitted by law. We disclaim implied warranties of merchantability and fitness for a particular purpose. You are responsible for verifying outputs used in regulated processes.

9. Limitation of liability

To the maximum extent permitted by law, neither party is liable for indirect or consequential loss. FLIORE's aggregate liability arising out of or relating to the service is limited to the fees paid by your organisation in the twelve months preceding the event giving rise to the claim. Nothing limits liability that cannot be limited by law.

10. Term & termination

Either party may terminate as set out in the order or on material breach not cured within a reasonable period. On termination, access ends and we delete or return your data in line with the Privacy Policy and DPA, subject to retention you are legally required to observe.

11. Changes to these Terms

We may update these Terms; material changes will be notified to account holders and take effect on the stated date. Continued use after that date constitutes acceptance.

12. Governing law & jurisdiction

These Terms are governed by Swiss law. The exclusive place of jurisdiction is Zug, Switzerland, to the extent permitted by applicable mandatory law.

This page is provided for general information and is not legal advice. Your signed order and any Data Processing Agreement, together with applicable law, govern the parties' rights and obligations.