Last updated: 1 March 2026
FlowFi Pty Ltd (ACN 695 755 312, ABN 74 695 755 312) ("FlowFi") does not hold an Australian Financial Services Licence (AFSL) under the Corporations Act 2001 (Cth). FlowFi is not authorised to provide financial product advice, deal in financial products, or provide any other financial service as defined by Australian law.
All information, calculations, reports, and insights provided by FlowFi, including AI-generated categorisations, BAS preparation assistance, tax estimates, cash flow forecasts, and deduction suggestions, are general in nature and provided for informational purposes only. They do not constitute financial advice, tax advice, legal advice, or any other form of professional advice.
FlowFi's automated categorisation and AI-powered insights are designed to assist you in organising your financial data, but they should not be relied upon as a substitute for professional advice tailored to your individual circumstances.
FlowFi assists with the preparation of Business Activity Statements (BAS) and provides estimated tax calculations. These figures are estimates only and may not reflect your actual tax obligations. FlowFi does not lodge BAS or tax returns on your behalf and is not a registered tax agent or BAS agent under the Tax Agent Services Act 2009 (Cth).
You are solely responsible for ensuring the accuracy of any information submitted to the Australian Taxation Office (ATO). We strongly recommend that you engage a registered tax agent or BAS agent to review and lodge your BAS and tax returns.
FlowFi uses artificial intelligence and machine learning to categorise transactions, detect potential deductions, and generate financial insights. While we strive for accuracy, AI-generated outputs may contain errors and should always be reviewed by you or a qualified professional before being relied upon for any financial, tax, or business decision.
Transaction categorisation confidence scores indicate the AI model's certainty level but do not guarantee accuracy. You should verify all categorisations, particularly for transactions flagged with lower confidence scores.
FlowFi allows you to import bank transaction data by uploading CSV or PDF bank statements. While we take care to ensure data is processed and stored securely, FlowFi does not guarantee the accuracy or completeness of data extracted from your bank statements, particularly PDF statements which are processed using AI.
You should regularly verify that the transactions displayed in FlowFi match your official bank statements.
Before making any financial, tax, investment, or legal decisions, you should consult with appropriately qualified professionals including registered tax agents, licensed financial advisers, and legal practitioners who can provide advice tailored to your specific circumstances.
To the maximum extent permitted by law, FlowFi and its directors, officers, employees, and agents will not be liable for any loss, damage, or expense arising from your reliance on any information, calculation, report, or insight provided through the FlowFi platform, including any errors or omissions in AI-generated content.
Nothing in this disclaimer excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted, or modified by agreement.
If you have any questions about this disclaimer or FlowFi's services, please contact us at hello@flowfi.com.au.
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