Terms Of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the Flux web application operated by LVGreen LLC, a New York limited liability company doing business as Flux ("LVGreen," "Flux," "we," "us," or "our"). By accessing or using the Service you agree to these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, do not access or use the Service.

These Terms are governed by the substantive laws of the State of New York.

2. Contact Information

LVGreen LLC (DBA Flux)

Support: support@flux-app.io

Legal notices: Please direct formal legal notices to support@flux-app.io with the subject line "Legal Notice," or by mail to our registered agent at 447 Broadway, 2nd Fl. #3000, New York, NY 10013-2562.

3. Eligibility and Authority

You must be at least 18 years of age to access or use the Service. By using Flux, you represent and warrant that:

You are at least 18 years old;
You have the legal capacity and authority to enter into a binding agreement;
You are not prohibited by applicable law from using the Service; and
All registration information you provide is accurate, current, and complete.

Flux does not knowingly permit individuals under the age of 18 to create accounts or use the Service. If we discover that a user is under 18, we will terminate their account and delete all associated data. If you believe a minor has registered an account, please contact us immediately at support@flux-app.io.

Flux is designed for individual use only. Each account is for a single natural person. Business, team, or household accounts are not supported.

4. Accounts and Registration

You must register an account to access the Service's features. By registering, you agree to:

Provide accurate, current, and complete information during registration;
Maintain and promptly update your account information to keep it accurate;
Keep your login credentials confidential and not share them with any third party;
Notify us immediately at support@flux-app.io if you suspect unauthorized access to your account; and
Accept responsibility for all activity that occurs under your account, whether or not authorized by you.

Flux reserves the right to refuse registration, suspend, or terminate any account at its discretion, including for violations of these Terms.

5. Description of Service

Flux is a web-based income management application that allows individuals with multiple jobs, income sources, or mixed employment arrangements to:

Add and manage multiple income sources, including hourly, fixed-project, and recurring income;
Categorize income as W-2 employee or 1099 independent contractor income;
Log work hours, bonuses, one-off payments, amortized ("Jump Start") income spanning multiple pay periods, and tax payments;
Set and track financial goals by income source and in aggregate;
Accrue paid time off through the Time Off Bank based on surplus earnings beyond your goals;
View dashboards and generate reports on income, goal progress, and activity, including an estimated tax summary based on the income and tax profile information you provide; and
Export financial data in CSV and PDF formats.

Feature descriptions, availability, and functionality are set forth within the application and may be updated at Flux's discretion. Flux reserves the right to modify, suspend, or discontinue any feature at any time with reasonable notice where practicable.

6. Subscription Plans and Billing

6.1 Plans and Pricing

Flux offers the following subscription tiers:

Free Plan — Provides access to Sandbox Mode for income simulation and goal modeling only. Goal setting, work logging, Time Off Bank accrual, tax estimates, and live income tracking are not available on the Free plan.
Standard Plan — Provides full access to core features including income tracking, work logging, goal setting, the Time Off Bank, dashboard, and reporting, up to the active source limit described in-app.
Advanced Plan — Provides all Standard features plus an unlimited number of active income sources and any additional features described in-app.

Current subscription pricing and active source limits for Standard and Advanced plans are available at the pricing page within the Flux application. Flux reserves the right to change pricing at any time, with advance notice provided to existing subscribers before any price increase takes effect. Billing cycles are available on monthly, six-month, and annual terms.

6.2 Payment Processing

All subscription payments are processed by Stripe, Inc. By subscribing to a paid plan, you authorize Stripe and Flux to charge your designated payment method for the applicable subscription fee on a recurring basis. Flux does not store raw card numbers or payment credentials. All payment data is tokenized by Stripe in accordance with PCI-DSS standards.

6.3 Upgrades and Plan Changes

If you upgrade your subscription plan mid-billing cycle, the cost difference is calculated on a pro-rata basis based on the timing of the upgrade. You will be charged only for the additional value received during the remainder of your current billing period. Any unused credit resulting from a plan change is applied automatically to your next invoice.

6.4 Cancellations

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period. You will retain access to paid features until the end of the period for which you have already paid, after which your account reverts to the Free plan.

6.5 No Refund Policy

All subscription fees are non-refundable. Flux does not offer refunds or credits for partial billing periods, unused features, or unused subscription time, except as required by applicable law or as expressly stated in these Terms. If you cancel your subscription, you will not receive a refund for any fees already paid.

6.6 Trials and Promotions

Flux may from time to time offer promotional free trials or discounted pricing. The specific terms and duration of any trial or promotion will be presented at the time of the offer. Unless you cancel before the end of a trial period, your account may automatically convert to a paid subscription.

7. Referral Program

Flux offers a referral program under the following terms:

Unique Referral Link — Each registered user receives a unique referral link they may share with others.
Successful Referral — A referral is considered successful when a new user registers for a Flux account using the referrer's unique referral link. Registration at any plan level, including the Free plan, qualifies as a successful referral.
Referrer Credit — After three successful referrals, the referring user earns one free month of their current subscription plan. Credits are applied to the next billing cycle.
Referred User Benefit — The referred user receives one free month of the Standard plan upon completing signup through the referral link.
Referral Data — Flux tracks referral link activity and signup completions for the purpose of administering the referral program. This data is used solely for credit calculation and is subject to the Privacy Policy.

Flux reserves the right to modify, suspend, or terminate the referral program at any time. Referral credits have no cash value, are non-transferable, and cannot be combined with other promotions unless expressly stated. Referral abuse, including creating fake accounts or manipulating the referral system, may result in account termination and forfeiture of all accumulated credits.

8. Sandbox Mode

The Free plan includes access to Sandbox Mode, a simulation environment that allows users to model income scenarios and explore how changes in rates, hours, or income mix impact projected annual goals. Sandbox Mode is provided for informational and exploratory purposes only.

In Sandbox Mode, users may:

Run unlimited income simulations;
Adjust hypothetical rates, hours, and income types; and
View projected annual goal outcomes based on simulated inputs.

In Sandbox Mode, users may not:

Set or save persistent financial goals;
Log real work entries or income;
Accrue or access the Time Off Bank; or
Activate live income tracking of any kind.

Sandbox Mode simulations do not affect or reflect a user's live account data. Data generated during Sandbox Mode sessions is subject to the same data retention and deletion policies as all other account data.

9. Pay Stub Uploads and Document Processing

Flux allows users to upload pay stubs and similar employment documents to facilitate income and tax data entry. By uploading a document, you represent and warrant that you have the right to upload and use the document for this purpose.

Upon upload, Flux automatically parses the document to extract relevant income and tax information. The original uploaded file is permanently and immediately deleted from Flux's systems upon successful parsing. Only the structured data extracted from the document is retained in your account and is subject to the data retention and deletion policies described in these Terms and the Privacy Policy.

Flux is not responsible for errors arising from illegible, incomplete, or inaccurate documents. You are responsible for verifying that parsed data accurately reflects the information in your original document.

10. User Content and License

10.1 Ownership

You retain full ownership of all data, content, and files you submit, upload, or otherwise provide to the Service ("User Content"). These Terms do not transfer any ownership rights in your User Content to Flux.

10.2 License Grant

By submitting User Content to Flux, you grant LVGreen LLC a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to host, store, cache, process, copy, and use your User Content solely to the extent necessary to:

Provide, operate, and maintain the Service;
Process and display your data within your account, including generating estimated tax and Time Off Bank calculations; and
Generate aggregated, anonymized insights for product improvement and research.

This license does not permit Flux to sell your User Content or share it with third parties for their independent use, except as described in the Privacy Policy.

10.3 Prohibited Content

You must not upload, submit, or transmit through the Service any content that:

Is unlawful, fraudulent, or misrepresents your financial situation;
Infringes the intellectual property or privacy rights of any third party;
Is defamatory, obscene, or harmful;
Contains malware, viruses, or malicious code; or
Violates any applicable law or regulation.

Flux may remove or disable access to User Content that violates these Terms at any time without prior notice.

11. Data Export and Access

You may export your account data at any time through the in-app export functionality. Supported export formats are CSV and PDF. To request a data export not available through in-app tools, contact support@flux-app.io. Flux will verify your identity before fulfilling export requests.

Upon account deletion, all data is permanently deleted and cannot be recovered or exported after the 7-day grace period described in Section 14.

12. Privacy and Data Processing

Your use of the Service is subject to Flux's Privacy Policy, available within the application, which is incorporated into these Terms by reference. By using the Service, you consent to Flux's collection, use, and disclosure of your personal information as described in the Privacy Policy.

Flux processes financial and tax profile data you provide solely to deliver the Service features described in these Terms, including income tracking, goal progress, Time Off Bank accrual, and estimated tax calculations. Flux does not sell your personal information.

13. Third-Party Services

Flux integrates with third-party service providers to operate the Service, including:

Base44 — Application hosting, account authentication, and database infrastructure that underlies the entire Service
Stripe — Subscription payment processing
MailerLite — Email communications
Hotjar / Contentsquare — User experience analytics
Google reCAPTCHA — Fraud prevention
HelpScout — Customer support platform, comprising Beacon (in-app help article search), Docs (the help center article library), and Inbox (email and chat support, where our team responds to messages)
Sentry — Application error monitoring and diagnostic logging, used to detect and troubleshoot technical issues
UserJot — In-app product feedback and feature request tool, available only to logged-in users

These providers operate under their own terms of service and privacy policies. Flux is not responsible for the data practices, availability, or conduct of third-party providers. Your use of the Service constitutes acknowledgment that these providers may process certain data on Flux's behalf.

14. Data Retention and Deletion

Flux retains your account data for as long as your account is active or as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce agreements.

Pay Stub Files — Uploaded pay stub files are permanently deleted immediately upon successful parsing. Only extracted structured data is retained.
Inactive Accounts — If your account has been inactive for 24 consecutive months and you have not responded to inactivity notices, Flux may anonymize or delete your account data after providing advance email notice.
Account Deletion Requests — When you submit a deletion request, your account data is scheduled for permanent deletion 7 days after the request. During this 7-day period you retain full account access and may cancel the deletion request at any time. After 7 days, all account data — including income records, work logs, tax profile information, Time Off Bank data, Sandbox Mode data, and billing history — is permanently and irrecoverably deleted. This process cannot be reversed.
Legal Hold — Flux may retain certain data beyond the above periods where required by applicable law, regulation, court order, or ongoing legal proceedings.

To request account deletion, use the deletion feature within your account settings or contact support@flux-app.io.

15. Security

Flux implements industry-standard administrative, technical, and physical safeguards to protect your data, including:

Stripe tokenization for all payment data — Flux does not store raw card numbers or payment credentials;
Immediate and permanent deletion of uploaded pay stub files upon parsing;
Encrypted data transmission using HTTPS/TLS; and
Access controls that limit employee access to personal data on a need-to-know basis.

Despite these measures, no electronic transmission or data storage system is completely secure. Flux cannot guarantee absolute security of your information. In the event of a data breach that affects your personal information, Flux will notify you in accordance with applicable law.

16. Cookies and Tracking

Flux uses cookies and similar technologies to support core application functionality, maintain session state, and analyze usage patterns. A notice is displayed upon your first use of the Service informing you that cookies are in use.

Third-party tools used for analytics and fraud prevention include Hotjar, Contentsquare, and Google reCAPTCHA. You may disable non-essential cookies through your browser settings; however, doing so may affect the functionality of the Service. Flux does not respond to browser Do Not Track signals but does not sell user data regardless of tracking status.

17. Marketing Communications

Flux will send promotional or marketing communications only to users who have expressly opted in to receive them. You may withdraw consent and unsubscribe from marketing emails at any time by clicking the unsubscribe link in any marketing email or by contacting support@flux-app.io.

Withdrawing consent does not affect the delivery of transactional or service-related communications, which Flux may send regardless of marketing preferences.

18. Prohibited Conduct

You agree not to use the Service to:

Engage in any unlawful activity or facilitate illegal conduct;
Submit false, misleading, or fraudulent financial or tax data;
Violate, circumvent, or attempt to circumvent any security features of the Service;
Access or attempt to access other users' accounts, systems, or data without authorization;
Transmit viruses, malware, or any other malicious code through the Service;
Use the Service to send spam, unsolicited messages, or commercial solicitations;
Interfere with or disrupt the operation of the Service or servers or networks connected to the Service;
Reverse engineer, decompile, or attempt to extract the source code of the Service;
Manipulate the referral program by creating fake accounts or otherwise gaming the referral system; or
Use the Service in any manner that violates these Terms or applicable law.

19. Indemnification

You agree to defend, indemnify, and hold harmless LVGreen LLC, its members, managers, officers, employees, contractors, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or related to:

Your use or misuse of the Service;
Your violation of these Terms or the Privacy Policy;
Your violation of any applicable law or regulation;
Your violation of any rights of a third party, including intellectual property or privacy rights;
Any content or data you upload, submit, or transmit through the Service, including inaccurate or fraudulent financial or tax information; or
Your participation in the referral program, including any referral abuse.

This indemnification obligation survives termination of your account and your use of the Service.

20. Warranty Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. FLUX EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

FLUX DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) THE SERVICE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE, INCLUDING ANY ESTIMATED TAX FIGURE, GOAL PROJECTION, OR TIME OFF BANK CALCULATION, WILL MEET YOUR REQUIREMENTS OR BE ACCURATE FOR YOUR ACTUAL CIRCUMSTANCES.

FLUX IS A FINANCIAL TRACKING AND GOAL-SETTING TOOL. ANY TAX ESTIMATE, WITHHOLDING FIGURE, OR SIMILAR CALCULATION DISPLAYED IN THE SERVICE IS GENERATED AUTOMATICALLY FROM THE INCOME AND TAX PROFILE INFORMATION YOU PROVIDE, IS FOR INFORMATIONAL AND PLANNING PURPOSES ONLY, AND IS NOT A SUBSTITUTE FOR A TAX RETURN, WITHHOLDING ELECTION, OR PROFESSIONAL TAX ADVICE. NOTHING IN THE SERVICE CONSTITUTES FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE. YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL FOR ADVICE SPECIFIC TO YOUR CIRCUMSTANCES, AND YOU ARE SOLELY RESPONSIBLE FOR ANY ACTUAL TAX FILINGS OR PAYMENTS.

21. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LVGREEN LLC OR ITS AFFILIATES, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF FLUX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LVGREEN LLC'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE — INCLUDING ANY CLAIM RELATED TO THE ACCURACY OF AN ESTIMATED TAX CALCULATION OR OTHER IN-APP ESTIMATE — IS LIMITED TO THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO LVGREEN LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR ANY OTHER LEGAL OR EQUITABLE THEORY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.

22. Governing Law; Dispute Resolution; Class Action Waiver

22.1 Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service are governed by the substantive laws of the State of New York, without regard to its conflict of law principles.

22.2 Informal Resolution

Before initiating any formal legal proceeding, you agree to attempt to resolve disputes informally by contacting Flux at support@flux-app.io with a written description of the dispute, the relief sought, and your contact information. Flux will attempt to respond within 30 days. Either party may pursue formal proceedings if the dispute is not resolved within 30 days of the initial notice, or if the dispute involves intellectual property claims, injunctive relief, or emergency relief.

22.3 Jurisdiction and Venue

If informal resolution is unsuccessful, you and Flux agree that any legal proceeding arising out of or related to these Terms or the Service shall be brought exclusively in the state or federal courts located in New York County, New York. You and Flux each consent to the personal jurisdiction of such courts.

22.4 Class Action and Jury Trial Waiver

BY USING THE SERVICE, YOU AGREE TO WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR CLASS-WIDE ARBITRATION AGAINST FLUX OR LVGREEN LLC. ALL CLAIMS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU AND FLUX EACH WAIVE THE RIGHT TO A TRIAL BY JURY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

23. Force Majeure

Flux shall not be liable for any delay or failure to perform its obligations under these Terms to the extent that such delay or failure is caused by circumstances beyond Flux's reasonable control, including but not limited to: acts of God, natural disasters, pandemic or epidemic, war, terrorism, riots, civil unrest, government actions or regulations, power outages, internet or network failures, cyberattacks, or failure of third-party service providers including Base44, Stripe, or cloud hosting services.

In the event of a force majeure event, Flux will use reasonable efforts to notify affected users and to restore the Service as promptly as practicable. Flux's obligations will be suspended for the duration of the force majeure event to the extent performance is prevented or delayed. If a force majeure event continues for more than 30 days, either party may terminate the applicable subscription without penalty by providing written notice.

24. Termination and Suspension

24.1 Termination by Flux

Flux may suspend or terminate your access to the Service, in whole or in part, at any time for any reason, including but not limited to: suspected or confirmed violations of these Terms, non-payment of subscription fees, fraud or abuse of the referral program, or conduct that Flux determines to be harmful to the Service or other users. Flux will provide notice where practicable but is not required to do so where immediate action is necessary to protect the Service or other users.

Termination of your account does not relieve you of any obligations accrued prior to termination, including payment obligations.

24.2 Termination by You

You may terminate your use of the Service at any time by canceling your subscription through your account settings and requesting account deletion. Cancellation of your subscription takes effect at the end of your current billing period. Account deletion follows the 7-day grace period process described in Section 14. You will not receive a refund for any unused subscription time upon termination.

24.3 Effect of Termination

Upon termination, your right to access and use the Service immediately ceases. Following the applicable data deletion period described in Section 14, all your account data will be permanently deleted. Sections 10 (User Content), 18 (Prohibited Conduct), 19 (Indemnification), 20 (Warranty Disclaimer), 21 (Limitation of Liability), 22 (Governing Law), and any other provisions that by their nature should survive, will survive termination of these Terms.

25. Changes to These Terms

Flux may modify these Terms at any time. For material changes — including changes to the data we collect, the third-party service providers we use, or your rights and obligations — Flux will provide at least 14 days' advance notice by email to your registered address and/or by a prominent notice posted within the Flux application before the changes take effect.

For non-material changes — such as clarifications, corrections, or changes required by law — Flux may update these Terms without advance notice, though we will update the effective date.

Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service and may request account deletion.

26. Miscellaneous

Entire Agreement — These Terms, together with the Privacy Policy, constitute the entire agreement between you and Flux regarding the Service and supersede all prior or contemporaneous agreements, representations, or understandings.

Severability — If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

No Waiver — Flux's failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision. A waiver of any particular breach does not constitute a waiver of any subsequent breach.

Assignment — You may not assign or transfer any rights or obligations under these Terms without Flux's prior written consent. Flux may assign these Terms, in whole or in part, without restriction.

Notices — Flux may provide notices to you via the email address associated with your account or through the Service interface. Notices to Flux should be sent to support@flux-app.io.

Relationship of Parties — These Terms do not create any partnership, joint venture, employment, or agency relationship between you and Flux. You and Flux are independent parties.

Headings — Section headings are for convenience only and have no legal effect.

27. Contact

For questions, concerns, or notices regarding these Terms of Service, please contact:

LVGreen LLC (DBA Flux)

Email: support@flux-app.io

Registered Agent: 447 Broadway, 2nd Fl. #3000, New York, NY 10013-2562

Governing Law: State of New York