Terms of Service

Agreement

By creating a SusuFlow account or using the app, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use SusuFlow.

What SusuFlow provides

SusuFlow helps members organize rotating savings groups, track contributions, manage invitations, and coordinate payouts through integrated payment services. SusuFlow is not a bank, lender, or money transmitter. Funds move through third-party payment providers.

Eligibility and account security

You must provide accurate account information and keep your login credentials secure. You are responsible for activity under your account. Notify us promptly if you suspect unauthorized access.

Group participation

Before you create or accept an invitation to a circle, SusuFlow shows the exact contribution amount and currency, payment frequency, start date, and expected duration. By joining, you agree to that contribution schedule and payout order. A material schedule change requires the draft circle to be cancelled and recreated so each member can review and accept the replacement schedule.

Saved payment methods

Stripe processes payment-method setup and stores your card details. SusuFlow does not store your full card number or CVC. Agreeing to save a card is consent to store and reuse that payment method through Stripe; saving a card alone does not authorize SusuFlow to charge contributions for every circle.

Circle-specific automatic payment authorization

Each circle requires a separate, affirmative authorization for automatic contribution attempts under that circle's displayed schedule. The authorization applies only to that circle, schedule, and authorization-terms version. Payouts are sent to the recipient's verified payout account through Stripe after the applicable payment and circle conditions are met.

You may revoke a circle's automatic payment authorization through Help & Support in the app. A successfully submitted revocation takes effect immediately and stops future automatic attempts for that circle. Revocation does not cancel contributions already due or your remaining circle obligations; those contributions remain due and must be paid manually.

Payment attempts, retries, and records

An automatic attempt may fail, remain pending, or require additional authentication from your card issuer. SusuFlow may retry an eligible failed attempt. If authentication or a different payment method is required, or automatic authorization is no longer active, the contribution may be routed to manual payment. You remain responsible for contributions that are due.

SusuFlow keeps contribution status, payment-attempt outcomes, transaction records, and available receipt information. We also retain versioned records of circle authorization and revocation, without full card numbers or CVCs, for operations, support, disputes, and compliance purposes.

Acceptable use

You may not use SusuFlow for unlawful activity, fraud, harassment, unauthorized access, or attempts to interfere with app security or payment processing. We may suspend or terminate accounts that violate these terms.

Disclaimers

SusuFlow is provided on an as-is and as-available basis. We do not guarantee uninterrupted service, specific financial outcomes, or that every member will meet their obligations in a group.

Limitation of liability

To the fullest extent permitted by law, SusuFlow and its operators are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the app or participation in a group.

Changes and contact

We may update these terms as the product evolves. Material changes will be reflected on this page. Questions can be sent to support@susuflow.com.