Terms of Use

Version 2026-06-17 (v1). These terms govern your use of Floancer. By creating an account or using the service you agree to them.

Plain-language summary (not part of the terms): Floancer is a place where investors discover startups and reach out to them. We only make introductions — we are not a broker, we never hold or move your money, we never give investment advice, and we never take a cut of any deal. What you do after an introduction is between you and the other party.

1. What Floancer is — and is not

Floancer operates an investor-led discovery and introduction service. Investors receive a ranked feed of startups, triage them, and may reach out to start a conversation. Startups are discoverable and respond when an investor reaches out.

Floancer is not, and does not act as:

• a broker, dealer, broker-dealer, or investment bank;
• a funding portal, crowdfunding platform, or securities marketplace;
• an investment adviser, financial adviser, or provider of investment, legal, tax, or accounting advice;
• a payment processor, escrow agent, custodian, or money-services business.

Floancer does not: hold, receive, transfer, or control any funds or securities; execute, arrange, or settle any transaction; negotiate terms; conduct due diligence on your behalf; or take any fee, commission, carry, or other compensation that is contingent on whether, how, or on what terms any investment is made. Our only revenue is the access subscription. All term negotiation, due diligence, payment, and closing happen off-platform, directly between the parties, and are solely their responsibility.

2. No offer, no solicitation, no advice

Nothing on Floancer is an offer or solicitation to buy or sell any security, nor a recommendation, endorsement, or invitation to make any investment. Profiles, rankings, feeds, and demand signals are information to help users find each other, not advice and not a representation about the merits, suitability, or likely return of any company or investment.

Profiles and deal-relevant content are visible only to logged-in, eligible counterparties inside the platform — they are never published on the open web, search-indexed, or made available to the general public. This is deliberate and must be preserved by your use of the service (see §5).

You are responsible for your own decisions. Investing in early-stage companies is high-risk; you may lose your entire investment. You should take independent professional advice. Floancer makes no representation or warranty about any user, company, or opportunity.

3. Eligibility and accounts

• You must be at least 18 and able to form a binding contract.
• You must provide accurate information and keep it current. You are responsible for activity under your account and for keeping your credentials secure.
• Access to participation features requires you to pass our verification (verified email + domain match or approved access request + a sanctions/PEP screen), eligibility (a self-certification and acknowledgements step), and an active subscription, and to have a published profile. We may refuse, suspend, or revoke access where any of these is not satisfied. Eligibility is assessed per jurisdiction and the service may be unavailable in some markets.
• We decide eligibility on a fail-closed basis: where we cannot determine that you are eligible, you are not.

4. Investor acknowledgements

If you use Floancer as an investor, you acknowledge and agree that:

• Floancer only facilitates introductions and provides no investment advice or recommendation;
• any cheque-size, stage, or focus information you provide is self-declared, and you are responsible for its accuracy;
• you are responsible for your own regulatory status and for complying with the laws that apply to you (including investor-categorisation and financial-promotion rules in your jurisdiction);
• you will not treat any ranking, feed position, or demand signal as advice or as a representation about an opportunity's merits.

5. Startup reporting and data-use consent

If you use Floancer as a startup, you agree that, when we ask, you will report material funding outcomes — for example whether a round closed and the aggregate amount raised — and you grant Floancer permission to store and use that data to operate platform features (such as your funding history) and for aggregate analytics.

• At launch this is aggregate self-report only ("raised €X, round closed"). Naming specific investors or cheque amounts is not part of this and would require separate, explicit consent.
• This reporting obligation is never financial: we do not charge any fee or impose any penalty tied to your raise or to whether you report. Enforcement is access-based only — continued use of the service and eligibility for future features may depend on it, consistent with normal software-service terms.

6. Acceptable use

You agree not to:

• contact, solicit, or attempt to reach counterparties outside the connection mechanics the platform provides (startups do not initiate; investors initiate via outreach);
• scrape, crawl, harvest, copy, or republish profiles, contact details, or any other content, or attempt to expose gated content on the open web;
• misrepresent your identity, role, company, credentials, or cheque size, or claim a profile or domain that is not yours;
• circumvent verification, eligibility, payment, rate-limiting, or access controls, or probe, scan, or test the security of the service without authorisation;
• use the service to provide investment advice, broke deals, or otherwise act as a regulated intermediary using our introductions;
• upload unlawful, infringing, deceptive, or malicious content, or anything that violates a third party's rights;
• send spam or abusive messages, or use the service in a way that harms other users or the platform.

We may rate-limit, suspend, or terminate accounts, and remove content, to enforce these terms or protect users. The website-draft feature only lets you draft from a domain you control.

7. Subscriptions and billing

• Participation features require a recurring subscription, priced per seat and billed through our payment processor (Stripe). Prices, tiers, and billing cadence are shown at the point of purchase.
• We never see or store your card details. Payment is handled by Stripe; we keep only a customer/subscription reference and your subscription status.
• Your entitlement turns on only when payment is confirmed by the processor, and off when the subscription lapses, is cancelled, or a grace period ends — at which point you stop being discoverable / lose participation features, but your profile and data are retained.
• Startups may deactivate between rounds: this cancels billing and puts your profile dormant (data retained); reactivating re-subscribes and republishes.
• Fees are non-refundable except where required by law. We may change prices on reasonable notice; changes apply from your next billing period.

8. Your content and licence

You retain ownership of the content you submit (profiles, messages, materials). You grant Floancer a worldwide, non-exclusive, royalty-free licence to host, store, process, and display that content to eligible counterparties within the platform for the purpose of operating the service. You are responsible for having the rights to the content you submit, including any third-party personal data (for example, information about your founders or team), and for ensuring it is accurate and lawful to share.

9. Trust and safety

You can report or block other users. Blocking is symmetric and removes each party from the other's discovery and closes active conversations. We operate an ops process for reports, suspension, and eligibility overrides, and may act on credible reports of abuse.

10. Disclaimers and limitation of liability

• The service is provided "as is" and "as available", without warranties of any kind to the fullest extent permitted by law. We do not warrant that introductions will lead to investment, that any user or company is as described, or that the service will be uninterrupted or error-free.
• We are not a party to, and have no liability for, any investment, transaction, agreement, or dealing between users. Any reliance you place on another user or on platform content is at your own risk.
• To the fullest extent permitted by law, Floancer is not liable for indirect, incidental, special, consequential, or exemplary damages, or for any lost profits, investments, or business; and our total aggregate liability arising out of or relating to the service is limited to the amount you paid us in the 12 months before the event giving rise to the claim. Nothing in these terms limits liability that cannot be limited by law.

11. Indemnity

You agree to indemnify and hold Floancer harmless from claims, losses, and expenses arising out of your use of the service, your content, your dealings with other users, or your breach of these terms or of applicable law.

12. Termination

You may stop using the service and delete your account at any time (see the Privacy Policy for data deletion). We may suspend or terminate access for breach of these terms, legal/eligibility reasons, or risk to the platform or its users. Sections that by their nature should survive termination (including §§1–2, 8, 10–14) survive.

13. Changes to these terms

We may update these terms. For material changes we will give reasonable notice and, where appropriate, ask you to re-accept before you continue using participation features. The current version and date appear at the top of this document.

14. Governing law and contact

• Governing law / forum: [OPEN — to be set: governing-law jurisdiction and dispute forum.]
• Provider entity: [OPEN — legal entity name and registered address operating Floancer.]
• Contact: [OPEN — support / legal contact email.]

See also the Privacy Policy, which explains how we handle your personal data.