Terms of Service
Effective November 14, 2026
1. The service
FlowState is a Google Sheets add-on that imports your bank, card, loan and investment data through Plaid and organizes it in a spreadsheet you own. A sandbox mode with test data is free. Live bank data requires a subscription.
2. Not financial, tax or legal advice
Budgets, net worth, tax estimates and other figures are estimates based on the data your institutions provide and the rules you set. Check important numbers with your institution or a licensed professional before acting on them.
3. Accuracy
Bank data comes from your institutions through Plaid and can be delayed, incomplete or wrong. Automatic categories can be wrong too; you can change them at any time.
4. Your account and your sheet
You are responsible for your Google account and for whom you share your FlowState spreadsheet with. Anyone with access to the sheet can see the financial data in it.
5. Subscription and trial
Live bank data costs $50 per year after a 14-day free trial. Your card is charged when the trial ends unless you cancel first, then once a year until you cancel. Cancel any time from the billing link in your receipt; access continues until the end of the year you paid for. Lemon Squeezy is the seller of record and handles payment and sales tax.
6. Acceptable use
Use FlowState only for accounts you own or are authorized to access. Do not try to get around licensing, overload the service, or reverse-engineer its server.
7. Third-party services
FlowState relies on Google, Plaid and Lemon Squeezy, each under its own terms. FlowState is not responsible for their outages or changes, including a bank or Plaid ending a connection.
8. Changes and availability
We may update FlowState and these terms. Significant changes to the terms will be emailed to subscribers before they take effect. We aim for reliable service but cannot guarantee it will be uninterrupted.
9. Ending
You can stop using FlowState at any time by uninstalling it. We may suspend access for non-payment or misuse. Your spreadsheet and its data remain yours.
10. Disclaimer and limit of liability
FlowState is provided "as is", without warranties, to the extent the law allows. Our total liability for any claim is limited to the amount you paid for FlowState in the 12 months before it.
11. Governing law
The laws of the State of Georgia govern these terms.