Terms of Service

Last updated 3 September 2026

1. Who this agreement is with

FlowDM is operated by David Waters, doing business as FlowDM ("FlowDM", "we"). By creating an account or using the software you agree to these terms. If you do not agree, do not use the service. Contact: contact@getflowdm.com

2. What FlowDM is

FlowDM is software. It connects to a brokerage account you already own and control, and places orders in that account according to price levels you set.

FlowDM is not a broker or dealer, an investment adviser, a fund or money manager, or a signal service. We never take custody of your money or securities. Your funds stay at your broker. We cannot withdraw from your account.

3. This is self-directed

You choose which symbols to trade, the position size, the price level at which a protective hedge is placed, and when to arm or disarm it. The software executes the instruction you configured. It does not decide what to trade or when, and it does not tell you what to buy or sell.

Parts of the product display market information. That is information, not advice. Where the product prepares a summary of market conditions for use with an external AI model, that summary is data. You choose whether to use it and which model. We do not operate that model or receive its output.

4. Trading risk

You can lose money using this software.

• Trading securities involves substantial risk of loss.
• The instruments FlowDM works with include leveraged and inverse ETFs, which track a daily return, decay when held, and can lose value even when the underlying moves as expected.
• A hedge reduces exposure. It does not eliminate loss or protect against gaps, halts or market disruption.
• Past results do not predict future results.

Only trade with money you can afford to lose.

5. The software can fail, and orders may not execute

• Orders may be rejected by your broker, for insufficient buying power or any other reason.
• Orders may fill partially, at a worse price, or not at all.
• Market data may be delayed, wrong or missing. We depend on third-party feeds.
• Your brokerage connection may expire or fail, and while it is down the software cannot act.
• The software may contain defects. We find and fix them; we do not claim there are none.

A protective level being configured is not a guarantee that protection will be placed. If it matters that a hedge is on, verify it at your broker.

6. Limitation of liability

To the maximum extent permitted by law, the software is provided "as is" and "as available" without warranties of any kind, express or implied.

We are not liable for trading losses, including those arising from software defects, failed or delayed orders, incorrect market data, connection failures, or decisions you made using information the product displayed. Our total liability for any claim is limited to the amount you paid us in the twelve months before it. Nothing here limits liability that cannot be limited by law.

7. Your account

• You must be 18 or older and able to operate a brokerage account.
• You are responsible for your login credentials and for the brokerage access you grant.
• You are responsible for your own tax reporting. Your broker provides tax documents; we do not.
• Do not use FlowDM to trade an account you do not own or are not authorised to trade.

8. Text messages

If you provide a mobile number and tick the consent box, we send operational alerts about your own account. Message and data rates may apply. Reply STOP to opt out, HELP for help. Opting out of texts does not close your account or stop the software.

9. Availability and changes

We may modify, suspend or discontinue any part of the service, and may update these terms. Continued use after an update means you accept it.

10. Termination

You may stop using FlowDM at any time and revoke its brokerage access from your broker. We may suspend an account for breach or suspected misuse. Terminating does not close open positions — those remain yours to manage.

11. Governing law

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules.