Disclosures

1. Who You Are Dealing With

StructureFlow is operated by StructureFlow LLC, and is available at structureflow.finance. When this site says “we,” “us,” or “StructureFlow,” it means StructureFlow LLC.

2. Not a Bank

StructureFlow LLC is a financial technology company, not a bank. It does not hold a banking charter, it does not take deposits, and it does not offer bank accounts. Balances held in connection with your account are not bank deposits, and the account is not a bank account, however similar it may look.

3. No Deposit Insurance

Your balance is not insured. It is not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation, or any other government agency or private insurer. No statement on this site should be read as offering, implying, or approximating deposit insurance or investor protection.

This means you bear the risk of loss if a party in the chain that holds or moves your funds fails. Please read How your money is held before opening an account.

4. How Balances Are Held

Balances are held in a custodial account maintained by a regulated payments partner, for your benefit, and separately from StructureFlow LLC’s own operating funds. StructureFlow LLC does not hold your funds itself.

We do not lend your balance to anyone, we do not invest it, and we do not use it as working capital to run the company.

The treatment of customer funds in an insolvency of any party in that chain depends on facts and on law that we cannot resolve for you in a disclosure. If that question matters to your decision — and for an institutional account it should — you should put it to your own counsel. We will provide what documentation we have.

5. Two Separate Companies

StructureFlow LLC is a separate company from Structure Wealth Partners LLC. Structure Wealth Partners LLC is a state-registered investment advisor. The two companies share a founder and a family of brands. They are not the same legal entity, and neither is a subsidiary, parent, or division of the other.

Nothing on this site is an offer of investment advisory services, and nothing here should be read as a recommendation, endorsement, or testimonial by any investment advisor.

6. No Investment, Tax, or Legal Advice

StructureFlow LLC does not provide investment, tax, accounting, or legal advice, and nothing on this site constitutes any of those. Nothing here is an offer or a solicitation to buy or sell any security or any other financial instrument.

Moving money across borders can have tax and reporting consequences that depend entirely on your own circumstances. We do not assess them for you. Consult your own advisors.

7. Availability and Eligibility

StructureFlow is not yet open to the public. Access is by request. Submitting a request does not create an account, does not reserve one, and does not oblige us to open one.

Availability depends on where you are located and on the outcome of our identity, business, and financial-crime verification checks. We do not serve every country or every US state, and we may decline or discontinue service where we cannot meet our legal obligations. We may decline a request without giving a reason.

8. Statements About Future Features

Some capabilities described on this site are marked as in development or as being on the roadmap. Those labels are honest descriptions of intent, not commitments. Features may change materially, may arrive later than expected, or may not be built at all — including for regulatory reasons outside our control. Do not open an account, or make a business decision, in reliance on a feature that is not yet available.

9. Third-Party Partners

We rely on third parties for identity verification, payment processing, custody of balances, hosting, and email. Those parties operate under their own terms and their own regulatory obligations. Their involvement does not make them a party to your agreement with us, and our use of a licensed or regulated partner does not extend that partner’s licences, registrations, or protections to StructureFlow LLC.

Where this site links to a third party, we do not control and are not responsible for that party’s content or practices.

10. Earn

Earn lets you direct your own funds into a third-party lending venue. It is not a deposit product, not a savings product, and not a StructureFlow LLC obligation.

You keep custody. Allocations are made from a smart account that you control. StructureFlow does not hold these funds, cannot move them without your authorisation, and is not a counterparty to your position.

You direct every allocation. Nothing is allocated automatically and nothing is swept by default. You initiate every allocation and every withdrawal yourself.

We do not advise or recommend. StructureFlow does not recommend any option. Options appear because they meet published criteria, they are presented without ranking, and none is preselected. Choosing is yours. StructureFlow LLC is not an investment adviser and does not provide investment advice.

Rates are variable. Rates are variable, change continuously, and are not guaranteed. Past rates say nothing about future rates. We do not publish a rate on this website for that reason. Any rate shown in the product is live, sourced, and dated at the moment you see it.

You can lose money. You could lose money, including the full amount you allocate. These are not deposits, they are not insured, and no party guarantees your balance. Your position is with the lending venue, not with StructureFlow. We do not fund, backstop, subsidise, or top up any rate. Risks include, without limitation, failure or exploitation of the software underlying the venue, failure of a borrower or of the collateral supporting a loan, an inability to withdraw when the venue lacks liquidity, and loss of value in the instrument your balance is denominated in.

Where the return comes from. Overcollateralized borrowers paying variable interest on a lending market, through a vault curated by a named risk manager. It does not come from StructureFlow LLC, from any stablecoin issuer, from the reserves backing any stablecoin, or from a share of any issuer’s revenue.

What we are paid. We charge a management fee on the amount you allocate, disclosed to you before you confirm. We are not compensated by any venue for listing it and take no share of any third party’s revenue for directing you to them.

Earn is not available in every jurisdiction. We may withhold, suspend, or withdraw it where we cannot offer it in compliance with applicable law.

11. Contact

StructureFlow LLC
Email: flow@structureflow.finance
Website: structureflow.finance