1. Introduction
Welcome to Fluuz. These Business Terms and Conditions (“T&Cs”) govern the use of our financial services, including business accounts, payment management, card services, and other related products. By using our services, you agree to comply with these T&Cs. Please read them carefully.

2. Account Eligibility
To open a business account with us, you must be a registered business entity in your jurisdiction, have the legal capacity to enter into a contract, and provide all necessary documentation as required by our onboarding process.

3. Account Management
Multi-Currency Support: Our accounts support multiple currencies, allowing you to conduct transactions globally. Conversion rates are subject to market conditions and may include a small markup.
IBAN Accounts: We provide personal and corporate IBAN accounts for secure cross-border transactions. It is your responsibility to ensure the accuracy of the recipient’s IBAN and other account details.
4. Payment Services
Domestic and International Payments: We facilitate payments both within your home country and internationally. Payment processing times may vary depending on the destination and method.
Recurring Payments: You can set up recurring payments through our platform. It is your responsibility to ensure sufficient funds are available for these transactions.
5. Card Services
Card Issuance: We offer both virtual and physical cards that can be used for business expenses. The issuance and use of these cards are subject to our approval and must be used in compliance with these T&Cs.
Spending Limits: You can set spending limits on each card issued. We may impose our own limits based on risk assessments.
Real-Time Alerts: You will receive real-time alerts for all transactions made with our cards. It is your responsibility to monitor these alerts and report any unauthorized activity immediately.
6. Security and Compliance
Data Protection: We are committed to protecting your data in compliance with the General Data Protection Regulation (GDPR) and other relevant laws. We use advanced encryption methods and regularly update our security protocols.
Fraud Detection: We employ sophisticated fraud detection systems to monitor transactions. In case of suspected fraud, we may temporarily suspend your account while we investigate.
7. Fees and Charges
Service Fees: A detailed breakdown of fees associated with each service is provided during the onboarding process and is available in your account dashboard. Fees are subject to change with prior notice.
Currency Conversion Fees: Transactions involving currency conversion will incur a fee, which will be displayed at the time of the transaction.
Late Payment Fees: Failure to maintain sufficient funds for recurring payments or other obligations may result in late payment fees.
8. Termination and Suspension
Termination by You: You may close your account at any time by providing written notice. All outstanding fees must be settled before termination.
Termination by Us: We reserve the right to terminate or suspend your account if you breach these T&Cs, engage in fraudulent activities, or if required by law.
Effect of Termination: Upon termination, your access to our services will be revoked, and any remaining funds in your account will be returned to you, less any applicable fees.
9. Dispute Resolution
Complaints: If you have a complaint about our services, please contact our customer support team. We are committed to resolving disputes quickly and fairly.
Governing Law: These T&Cs are governed by the laws of [Jurisdiction]. Any disputes arising from these T&Cs will be subject to the exclusive jurisdiction of the courts in [Jurisdiction].
10. Amendments to T&Cs
We may update these T&Cs from time to time. Any changes will be communicated to you via email or through our platform. Continued use of our services after changes are made constitutes your acceptance of the new T&Cs.

11. Contact Information
If you have any questions regarding these T&Cs or need assistance, please contact us at contact@fluuz.com.