Terms of Service

These Terms of Service ("Terms") govern your use of the website and services provided by OpenFlowHub AE B.V. ("openflowhubae", "we", "us", or "our"). By accessing or using our services, you agree to be bound by these Terms.

Last updated: 1st January 2026

Acceptance of Terms

By accessing and using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use our services.

These terms apply to all visitors, users, and others who access or use our services, including but not limited to our website, financial planning tools, consultations, and related services.

Description of Services

OpenFlowHub AE provides financial planning tools and services specifically designed for construction contractors and related businesses. Our services include but are not limited to:

• Project budgeting and cost estimation tools
• Cash flow management solutions
• Risk assessment and management guidance
• Business growth planning consultation
• Financial reporting and analysis
• Training and educational resources

User Obligations

When using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security and confidentiality of your account credentials
• Use our services only for lawful purposes and in accordance with these Terms
• Not interfere with or disrupt the integrity or performance of our services
• Not attempt to gain unauthorised access to our systems or data
• Comply with all applicable laws and regulations

Account Registration and Security

Some of our services may require you to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You must immediately notify us of any unauthorised use of your account.

Payment Terms

If you purchase services from us, you agree to pay all applicable fees as described at the time of purchase. All fees are exclusive of applicable taxes unless otherwise stated. We reserve the right to change our pricing with reasonable notice.

Intellectual Property

All content, materials, and intellectual property on our website and in our services, including but not limited to text, graphics, logos, software, and methodologies, are owned by or licensed to openflowhubae and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to use our services for their intended purpose. You may not:

• Copy, modify, or distribute our content without permission
• Reverse engineer or attempt to extract source code from our software
• Remove or alter any copyright, trademark, or proprietary notices
• Use our intellectual property for commercial purposes without authorisation

Data and Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by law, openflowhubae shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

Our total liability to you for all claims arising from or relating to these Terms or our services shall not exceed the amount you have paid us in the twelve months preceding the claim.

Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, secure, or error-free.

While we strive to provide accurate and helpful financial planning tools and guidance, we make no guarantees about the results you may achieve using our services. Financial planning involves inherent risks, and past performance does not guarantee future results.

Indemnification

You agree to defend, indemnify, and hold harmless openflowhubae and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of our services or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Amsterdam, Netherlands.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including but not limited to your breach of these Terms.

Upon termination, your right to use our services will cease immediately. The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, and limitations of liability.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and openflowhubae concerning our services.

Contact Information

If you have any questions about these Terms of Service, please contact us: