Regulatory Disclosures

1. Entity & Business Model

Flux International is a technology company registered as an LLC in New York, United States.

Flux International is not a bank, credit union, or deposit-taking institution, and does not currently hold, custody, or insure client funds. Flux operates in two ways, and we want to be specific about which applies to each part of the product:

• Introducer / referral service: for account-opening guidance (see our bank recommendation tools), Flux introduces clients to third-party, independently licensed banks and financial institutions. Clients open and hold accounts directly with those institutions, under those institutions’ own terms, KYC/AML checks, and regulatory protections — not through Flux.
• Flux dashboard & ledger: balances shown in the Flux customer dashboard are entries in Flux’s own internal book-keeping ledger. They are not held at, or insured by, any third-party bank unless and until a specific transaction has been confirmed settled through a named banking or payment partner. We are working toward direct banking-as-a-service partnerships to change this; until such a partnership is signed and live, no claim of third-party custody or deposit insurance applies to ledger balances.

Because Flux does not itself accept deposits, extend credit from its own balance sheet, or directly transmit funds on clients’ behalf outside of the specific, disclosed corridors described in your product agreement, it does not operate as a chartered bank. Where Flux does facilitate a real money movement (for example, a specific cross-border payout corridor), that is disclosed to you at the point of use, including who actually executes the transfer.

2. Compliance Practices

Flux International maintains the following practices as a matter of policy:

• ✓Customer Identification: We collect and verify identifying information (name, address, date of birth, government ID) for all account holders before onboarding.
• ✓Sanctions Screening: Clients and counterparties are screened against OFAC SDN and consolidated sanctions lists before onboarding.
• ✓Activity Monitoring: Account activity is monitored for patterns consistent with fraud or money laundering, with internal escalation for review.
• ✓Introducer Diligence: When we introduce a client to a third-party bank, that institution runs its own independent KYC/AML and account-opening process — we do not bypass or substitute for it.

3. Risk Disclosure

All financial services carry inherent risk. Specific disclosures applicable to Flux International’s services:

• Ledger balances shown in the Flux dashboard are not insured or guaranteed by any third party unless a specific transaction has been confirmed settled through a named banking or payment partner.
• Currency conversion rates are indicative at the time of transaction and are subject to market fluctuation.
• Where Flux introduces you to a third-party bank or lender, the outcome of that application (account approval, loan approval, pricing) is determined solely by that institution and is not guaranteed by Flux.
• Cross-border transfers may involve manual settlement steps and can take longer than domestic transfers, particularly while new payment-partner integrations are being activated.

4. USA PATRIOT Act — Customer Identification Notice

To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account or engages services. Flux follows the same practice even though it is not itself a chartered bank.

What this means for you: When you use Flux International’s services, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

5. No Guaranteed Returns

Flux International does not guarantee any returns on investments, savings, or claim outcomes. Statements such as “competitive rates” refer to market-rate pricing at the time of transaction, not guaranteed future performance. No employee or representative of Flux International is authorised to guarantee profits or specific financial outcomes.

6. Fraud Warning & Verification

Flux International is aware that scammers sometimes impersonate legitimate financial technology companies. The following facts are provided to help clients verify who they’re dealing with — and we’d rather you double-check independently than take our word for it:

• ⚠Official website: fluxinternational.org (this site). Any other domain claiming to be Flux International should be treated with suspicion.
• ⚠Official email domain: Genuine Flux International staff communicate from @fluxinternational.org addresses only.
• ⚠No upfront fees: Flux International will never request upfront processing fees, insurance deposits, cryptocurrency payments, or gift card payments. Service fees, where applicable, are deducted from the transaction itself.
• ⚠Not a bank: Flux International is not a bank and does not currently custody or insure client funds. See Section 1 above for exactly what that means for your account.
• ⚠Entity: FLUX INTERNATIONAL LLC. Registered address: Brooklyn, NY, United States. Independently verifiable at apps.dos.ny.gov/publicInquiry.

If you have received an unsolicited approach from a party claiming to be Flux International, please verify via our official contact page before sharing any personal documents or making any payments.

7. India-Specific Notice

Flux International does not hold an RBI banking or payment license and does not operate physical branches in India. Clients in India are served entirely through our online dashboard and, where applicable, through named third-party licensed partners for specific INR-denominated services (for example, an in-progress integration for INR bank transfers). Any such partner integration is disclosed to you at the point where it’s used, including its current activation status.

Transactional SMS to Indian mobile numbers, where sent, uses the registered sender ID FLUXIN.

8. Contact for Regulatory Inquiries

For regulatory or compliance-related inquiries, contact Flux International through the official support channel at https://fluxinternational.org/company/contact.