Disclaimer & Risk Disclosure

Last Updated: 20 February 2026

Please read this disclaimer and risk disclosure carefully before using Flow Crypto's services. By accessing our platform, you acknowledge that you have read, understood, and agree to the following.

1. No Financial Advice

1.1 Flow Crypto does not provide financial, investment, legal, or tax advice. All information on our platform is for general informational purposes only.

1.2 Nothing on our website constitutes a recommendation or solicitation to buy, sell, or hold any cryptocurrency or digital asset.

1.3 You should consult a qualified financial adviser before making any investment decisions.

2. Investment Risks

2.1 Volatility: Cryptocurrency prices are extremely volatile. The value of digital assets can increase or decrease significantly in a very short period of time.

2.2 Loss of Capital: You may lose some or all of your invested capital. Only invest what you can afford to lose.

2.3 Regulatory Risk: The regulatory environment for cryptocurrencies is evolving. Changes in laws or regulations may adversely affect the use, transfer, or value of digital assets.

2.4 Technology Risk: Blockchain networks may experience congestion, forks, or security vulnerabilities. We are not responsible for losses caused by network-level events.

3. Platform Disclaimer

3.1 Our services are provided on an “as is” and “as available” basis without any warranty of any kind.

3.2 We do not guarantee that our platform will be available at all times or that it will be free from errors or interruptions.

3.3 Exchange rates displayed are estimates and may change between the time you place an order and when it is executed.

4. Tax Obligations

You are solely responsible for determining and fulfilling your tax obligations related to cryptocurrency transactions. In New Zealand, cryptocurrency may be subject to income tax. We recommend consulting a tax professional for advice specific to your situation.

5. Third-Party Services

Our platform may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party services. Use of third-party services is at your own risk.

6. Contact

If you have questions about this disclaimer, contact us at support@flowcrypto.co.nz.