Terms of Service

Last updated: 15 March 2026

These Terms of Service ("Terms") govern your use of the credit union services provided by fluxwarden AS ("fluxwarden," "we," "our," or "us") and your access to our website. By using our services, you agree to be bound by these Terms.

Acceptance of Terms

By accessing our website, using our services, or entering into a service agreement with fluxwarden, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, you must not use our services or access our website. These Terms constitute a legally binding agreement between you and fluxwarden AS.

Company Information

fluxwarden AS is a credit union service provider incorporated in Denmark under registration number CVR49256178. Our registered office is located at Østerbrogade 108, 5047 Odense, Southern Denmark. We operate under Danish law and European Union regulations governing financial services.

Service Description

fluxwarden provides credit union services specifically designed for business and corporate clients. Our services include corporate membership programmes, financial solutions, compliance advisory services, and partnership opportunities. All services are subject to eligibility requirements, regulatory compliance, and the specific terms outlined in individual service agreements.

User Obligations

As a user of our services, you agree to:

• Provide accurate, complete, and current information when requested
• Maintain the confidentiality of any account credentials or access information
• Use our services only for lawful business purposes and in compliance with all applicable laws
• Notify us immediately of any unauthorised use of your account or security breach
• Cooperate with our compliance and regulatory requirements
• Pay all applicable fees and charges in accordance with our fee schedule
• Comply with all terms and conditions specified in individual service agreements

Prohibited Activities

You agree not to:

• Use our services for any illegal, fraudulent, or unauthorised purposes
• Violate any applicable laws, regulations, or third-party rights
• Attempt to gain unauthorised access to our systems or other users' accounts
• Interfere with or disrupt our services or servers
• Use our services to transmit harmful, offensive, or inappropriate content
• Reverse engineer, modify, or create derivative works based on our services

Intellectual Property

All content, materials, trademarks, logos, and intellectual property rights associated with fluxwarden and our services are owned by fluxwarden AS or our licensors. You are granted a limited, non-exclusive, non-transferable licence to use our services for their intended purpose. You may not reproduce, distribute, modify, or create derivative works from our intellectual property without our express written consent.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms. By using our services, you consent to the processing of your personal data as described in our Privacy Policy and in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).

Fees and Payment

Fees for our services are specified in individual service agreements or our published fee schedule. All fees are payable in accordance with the agreed payment terms. We reserve the right to modify our fees with appropriate notice. Failure to pay applicable fees may result in suspension or termination of services.

Service Availability

We strive to maintain the availability and reliability of our services, but we do not guarantee uninterrupted access. Our services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control. We will make reasonable efforts to provide advance notice of planned service interruptions.

Limitation of Liability

To the maximum extent permitted by applicable law, fluxwarden AS shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services. Our total liability for any claims related to our services shall not exceed the amount of fees paid by you for the specific service giving rise to the claim during the twelve months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless fluxwarden AS, its officers, directors, employees, and agents from and against any claims, damages, losses, or expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

Termination

Either party may terminate the service relationship in accordance with the terms specified in individual service agreements. We reserve the right to suspend or terminate your access to our services immediately if you violate these Terms or engage in prohibited activities. Upon termination, your right to use our services will cease, and you must settle any outstanding obligations.

Modifications to Terms

We may modify these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices. We will provide notice of material changes through our website or direct communication. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Denmark and the European Union. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the Danish courts. If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Regulatory Compliance

Our services are subject to various regulatory requirements in Denmark and the European Union. We reserve the right to modify our services or these Terms to ensure compliance with applicable laws and regulations. You acknowledge that regulatory requirements may affect the availability or terms of our services.

Force Majeure

fluxwarden shall not be liable for any failure or delay in performance under these Terms that is due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labour disputes, or government actions.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any individual service agreements, constitute the entire agreement between you and fluxwarden AS regarding your use of our services. These Terms supersede all prior or contemporaneous communications and proposals between the parties.

Contact Information

If you have any questions about these Terms of Service, please contact us:

These Terms of Service are effective as of the last updated date and will remain in effect until modified or terminated in accordance with the provisions herein.