Terms of Service
Last updated: 30 September 2026
This is a translation provided for convenience. The German version is legally binding; in case of any discrepancy, the German version prevails.
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 service 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 discontinue functionality and give reasonable notice of material adverse changes.
2. Accounts, roles and security
You must provide accurate registration details and keep your credentials secret. Two-factor authentication is available for every account; the organisation can make it mandatory for all of its members, and we strongly recommend doing so. 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 the rights of others, upload malware, circumvent the separation of organisations or access another organisation's data, reverse-engineer the service, or 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 for the selected interval. Unless stated otherwise, prices are exclusive of VAT and other applicable taxes. Quotas (mandates, seats, AI credits) apply per plan. Late payment may lead to suspension of access. Except where required by law, fees for partial periods are not refunded.
5. Data and ownership
As between the parties, your data remains yours. You grant FLIORE the rights needed to store and process it in order to provide the service, as described in our Privacy Policy and the Data Processing Agreement. All rights in the software itself remain with FLIORE. FLIORE does not train AI models on your client data.
6. Confidentiality
Each party protects the other's confidential information and uses it only as needed to perform under these Terms. This does not apply to information that is publicly known, independently developed or lawfully obtained from a third party.
7. Availability and support
We aim for high availability but do not guarantee uninterrupted service. Planned maintenance is announced where practicable. Support is provided through the channels described for your plan.
8. Warranty
To the extent permitted by law, the service is provided as is. Implied warranties of merchantability and fitness for a particular purpose are excluded. You are responsible for verifying outputs you use in regulated processes.
9. Limitation of liability
To the extent permitted by law, neither party is liable for indirect or consequential loss. FLIORE's aggregate liability arising out of or in connection with the service is limited to the fees paid by your organisation in the twelve months preceding the event giving rise to the claim. Liability that cannot be limited by law remains unaffected.
10. Term and termination
Either party may terminate as set out in the order, or for a material breach not remedied within a reasonable period. On termination, access ends and we delete or return your data in line with the Privacy Policy and the Data Processing Agreement, subject to any 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 and jurisdiction
These Terms are governed by Swiss law. The exclusive place of jurisdiction is Zug, Switzerland, unless mandatory law provides otherwise.
13. Demo workspace
The demo workspace is free of charge and serves solely to get to know the software. It contains fictitious sample data, is accessible for at most 24 hours and is then deleted completely; we may end or reset it at any time. Certain features, in particular email delivery, invitations, payments, integrations and public links, are disabled in it. You may not enter real personal or client data in the demo, upload unlawful content, create demos automatically or circumvent the limits. No availability commitment applies to the demo; liability is excluded to the extent permitted by law. Using the demo does not create a contract for paid services.
14. Language
These Terms are concluded in German. Translations into other languages are provided for information only; in case of discrepancies, the German version prevails.
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.