1. Independent Non-Intermediary & Non-Bank Status
FeeFlow (accessible at https://feeflowcalculator.com) is an independent web-based financial estimation and educational research utility. We are not a bank, payment service provider (PSP), payment aggregator, money services business (MSB), licensed payment institution, or financial advisor under any regulatory framework—including but not limited to the Reserve Bank of India (RBI), Saudi Central Bank (SAMA), Banco Central do Brasil, UK Financial Conduct Authority (FCA), European Banking Authority (EBA), Monetary Authority of Singapore (MAS), or U.S. FinCEN.
FeeFlow does not process transactions, handle consumer credit cards, initiate bank transfers, or hold escrow funds. Our services consist purely of mathematical simulations executed within your client web browser.
2. No Financial, Legal, Tax, or Accounting Advice
All outputs provided by FeeFlow—including transaction cost estimates, gross-up invoice pricing, foreign exchange rate spreads, and statutory tax calculations (such as India 18% GST, Mexico 16% IVA, and Saudi Arabia 15% ZATCA VAT)—are provided strictly for general informational and planning purposes.
They do not constitute certified accounting records, tax advice, audit-compliant invoices, or binding merchant quotes. Actual fees may vary depending on merchant category codes (MCC), card interchange qualification, blended vs. interchange-plus contract terms, and statutory reverse-charge regulations.
Always consult a certified public accountant (CPA), chartered accountant, or qualified tax attorney before making commercial commitments.
3. Trademark & Nominative Fair Use Statement
All third-party product names, company names, trademarks™, and registered® trademarks referenced across this website—including but not limited to Stripe, PayPal, Square, Braintree, Shopify, Amazon FBA, Etsy, eBay, WooCommerce, QuickBooks, Xero, FreshBooks, Wave, Toast, Clover, Lightspeed, Wise, Revolut, Airwallex, Klarna, Afterpay, Affirm, Sezzle, Zip, Paddle, Lemon Squeezy, FastSpring, Razorpay, M-PESA, GoCardless, PayFast, Pix, UPI, iDEAL, Interac, Swish, Vipps, and BLIK—are the property of their respective trademark holders.
The reference to these commercial entities and payment schemes on FeeFlow is strictly for nominative, descriptive, and comparative reference purposes under applicable fair use doctrines.
Reference to these third-party services does not imply any affiliation with, sponsorship by, endorsement by, or partnership with FeeFlow. FeeFlow is an entirely independent research project.
4. Disclaimer of Warranties & Limitation of Liability
Payment processors continuously modify pricing schedules, interchange pass-through rates, and international settlement spreads without prior notice. The service is provided on an "as-is" and "as-available" basis without warranties of any kind, whether express or implied.
To the maximum extent permitted under applicable law, in no event shall FeeFlow, its operators, contributors, or affiliated maintainers be liable for any indirect, incidental, special, punitive, or consequential damages, including:
- Invoice under-billing or commercial revenue shortfalls
- Inaccuracies in financial forecasting or tax deductions
- Disputes between merchants and payment gateway providers
- Business interruptions, data loss, or exchange rate fluctuations
Users maintain sole responsibility for verifying final transaction fee schedules directly with their respective merchant service providers before executing commercial billing.
5. Modifications & Governing Principles
We reserve the right to revise or update these Terms of Service at any time. Any changes will be reflected by the updated timestamp at the top of this document. Continued use of FeeFlow constitutes agreement to the amended terms.
For questions regarding these legal terms, please reach out via our Contact Desk.