Terms of service

Confluir is operated by Motus International, LLC, a limited liability company organized in Puerto Rico, with a notice address at 151 San Francisco St., Suite 200, PMB 5261, San Juan, PR 00901. In these terms, "Confluir", "we" or "the platform" refer to that company. The business address shown on your invoices and receipts is our operating address, and may differ from the notice address: the first identifies where we operate from, the second is where we receive legal correspondence.

By creating an account, accessing the platform, or paying for any of its services, you accept these terms. If you disagree with any part, do not use the service.

If you use Confluir on behalf of an institution, you represent that you have authority to bind it, and "you" includes that institution.

Confluir is an educational and professional-community platform for BSA/AML compliance, fraud prevention, audit, and risk. It includes specialized AI agents, trainings with certificates, a policy draft generator, a library of anonymized cases, a professional community, and consultations with real compliance officers.

All content is general guidance for educational and informational purposes. It is not legal, regulatory, tax, accounting, or investment advice, and using it creates no attorney–client or other professional–client relationship.

Confluir does not replace the judgment of a qualified professional, your own attorney or designated compliance officer, your institution's internal policy, or any regulatory obligation that applies to you. The full service disclosures live at /disclosures and form part of these terms.

Access works through a magic link sent to your email: we do not use passwords. Whoever controls that inbox controls the account, so protect it — your email security is part of your account security.

Accounts are personal and non-transferable. Do not share credentials or grant access to third parties; for several users at one institution, write to us and we will set up an institutional agreement.

You must be at least 18 and legally able to contract. The information you provide (name, industry, region) must be accurate.

Subscription plans: Pro USD $19 monthly or $190 annually; Premium USD $49 monthly or $490 annually. One-time services: officer consultation USD $50, advanced certification USD $99, and downloadable Academy templates and resources, each at the price shown on its page. Institutional services are quoted case by case.

Subscriptions renew automatically at the end of each period until you cancel. Payments are processed through Stripe; we do not store your full card details. Applicable taxes are shown at checkout, and your bank may apply its own currency conversion or fees.

We may change prices. A change affecting an active subscription is announced in advance and applies at the next renewal, never retroactively.

Every new account includes a 7-day trial with limited chat access, no card and no charge. When it ends, the account becomes read-only until you activate a paid plan: nothing is charged automatically when the trial expires.

One trial per person. Creating multiple accounts to chain trials is grounds for suspension.

You can cancel at any time from your account, at /account/cancel. On cancelling you keep access through the end of the period you already paid for, and no further charges are made. Before you confirm we will offer alternatives — a 30-day pause or a reduced plan; accepting them is optional and each can be used only once.

Periods already paid are not refunded pro rata unless applicable law requires it. Nothing in these terms limits the non-waivable rights consumer law grants you in your jurisdiction.

Officer consultations are the exception and refund themselves: if you pay for a consultation and no officer takes it within the window, the system refunds it automatically, without you having to ask.

Downloadable templates and resources and the advanced certification are one-time digital content. By purchasing them you request immediate delivery and accept that, once the template is downloaded, or any course of the certification opened or its exam started, they are non-refundable, unless applicable law requires otherwise. A duplicate charge or a file that cannot be downloaded is a different matter: write to us and we will fix it.

You may not: resell, sublicense, or give third parties access to the service; automate, scrape, or bulk-extract its content; use it to train AI models; attempt to bypass usage limits, access controls, or plan gating; or use it for unlawful activity or to facilitate it.

All access is subject to reasonable, good-faith use. We apply daily and monthly per-plan limits to control AI costs and ensure availability; current limits are shown on the pricing page, may be adjusted, and are announced in the platform. When your deep-analysis quota is spent, you may choose to continue with the agents in fast mode.

In the community: no harassment, no discrimination, no unsolicited advertising, and no posting of third parties' confidential information. The forums are for compliance professionals and are moderated on that basis.

This is the single most important rule of the service. Do not enter into Confluir — not in chat, not in consultations, not in cases, not in the community — personally identifiable information about your institution's customers, real account data, or the content, existence, or non-existence of a Suspicious Activity Report (SAR).

SAR confidentiality is a federal legal obligation (31 U.S.C. § 5318(g)(2) and 31 CFR § 1020.320(e)), not a policy of ours: disclosing that a SAR exists, or that one is being considered, can expose you and your institution. The right channel for a case with real data is your institution's internal system.

Cases and examples are framed in the abstract. The case library applies AI-assisted anonymization before human moderation, but that layer is an additional control, not a permission: the responsibility for not sending data you should not send is yours.

You keep ownership of what you submit: cases, forum posts, comments, and messages. You grant us a non-exclusive, worldwide, royalty-free license to host it, display it to other members according to the settings of the relevant section, and — for the case library only — publish it in anonymized form.

By submitting a case you represent that you have removed or altered every detail that could identify individuals, accounts, or institutions, and that publishing it does not breach confidentiality duties that bind you.

We may remove content that breaches these terms, which does not make us reviewers of everything that gets posted.

Consultations connect your question with a real compliance officer, anonymously: the officer does not see your name, your email, or any identifier of your account — only the topic and the text of the consultation.

The officer gives general peer guidance based on the information you provide. They assume no responsibility for your institution's compliance program, do not replace its designated officer, and do not issue legal opinions.

Availability depends on an officer being on call; we publish the current coverage window. Outside it, a paid consultation that nobody takes is refunded automatically.

Confluir certificates attest that you completed a course or a learning path on this platform, with a unique code that anyone can verify publicly. They are not a license, an official credential, or a certification issued or recognized by a regulator or professional association.

We may revoke a certificate obtained fraudulently. Certificates already issued are unaffected if we later change the course content.

The software, design, courses, agent prompts, curated regulatory corpus, and other platform materials are ours or our licensors'. Your subscription gives you the right to use them, not to own them.

Documents you produce with the policy generator are yours and you may use them in your institution: they are base drafts for you to adapt, review, and approve, and their fitness for your situation is your call.

Templates and resources you purchase are yours to use: you receive a perpetual, non-exclusive, non-transferable license to use and modify them within your institution. You may not resell, redistribute, or publish them, with or without changes. They are a starting point you must adapt to your institution, and their fitness for your situation is your call. If you need help adapting them, you can raise it as a compliance-officer consultation (section 10): the officer guides you on how to do it, and does not edit or approve the document.

The text of the rules and official documents we cite is in the public domain; our curation, organization, and annotations are not.

We may suspend or close an account that breaches these terms, endangers the platform or other members, or uses the service fraudulently. Where reasonable we will warn you first and give you a chance to fix it.

If we close your account without a breach on your side, we refund the unused portion of what you paid.

You may close your account at any time by writing to us. How your data is handled after closing is described at /privacy.

The service is provided "as is". We do not warrant that it will always be available or error-free, or that its content is accurate, complete, or current — regulation changes and AI answers can be wrong, citations included.

We do not guarantee any outcome in examinations, audits, or dealings with regulators. Always verify against the official source before making a compliance decision.

To the extent the law allows, we are not liable for indirect, incidental, special, or consequential damages, nor for lost profits, lost data, or regulatory fines or penalties arising from use of the service.

Our total aggregate liability for any claim relating to the service will not exceed what you paid us in the 12 months before the event giving rise to it.

These limitations do not apply where the law does not allow them.

You will hold us harmless against third-party claims arising from your breach of these terms, from content you post, or from data you entered into the platform without being entitled to — notably customer information or material covered by SAR confidentiality.

We may update them. A material change is announced with reasonable advance notice by email or inside the platform, and the date on this page always identifies the version in force.

If you keep using the service after a change takes effect, you accept it. If you do not accept it, you can cancel.

These terms are governed by the laws of the Commonwealth of Puerto Rico and applicable United States federal law, without regard to conflict-of-law rules.

Disputes are submitted to the competent courts of San Juan, Puerto Rico, unless the law of your jurisdiction grants you a forum you cannot waive.

For any question about these terms, your account, or your billing: help@confluir.io. Notice address: Motus International, LLC, 151 San Francisco St., Suite 200, PMB 5261, San Juan, PR 00901.