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1. Acceptance of terms
By accessing or using flexpayapply.com or any FlexPay service, you agree to these Terms of Use. If you do not agree, please do not use our services.
2. Eligibility
To use FlexPay, you must be at least 18 years old (or the age of majority in your state), a U.S. citizen or permanent resident with a valid Social Security number, and a resident of a state where FlexPay operates. You must have a valid U.S. bank account and a source of income.
3. The FlexPay services
FlexPay is a financial technology company, not a bank. We connect qualified borrowers with lending partners who underwrite, fund, and hold personal loans. Loan approval is not guaranteed and is subject to our lending partners' underwriting standards.
4. Your account
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized access.
5. Accurate information
The information you provide during application must be truthful, accurate, and complete. Providing false information may result in denial of your application, cancellation of your loan, and referral to appropriate authorities.
6. Loan agreements
Any loan you accept is governed by a separate loan agreement between you and the lending partner. Those terms — including your APR, payment schedule, fees, and default consequences — control your loan. These Terms of Use govern your use of the FlexPay website and application experience.
7. Prohibited conduct
You may not use FlexPay to:
- Impersonate another person or entity
- Submit false, misleading, or fraudulent information
- Violate any law or regulation
- Attempt to disrupt or interfere with the service or its security
- Use automated systems to access the service without our permission
- Copy, resell, or commercially exploit any part of our services
8. Intellectual property
All content on our website — including logos, text, graphics, and software — is the property of FlexPay or its licensors and is protected by copyright, trademark, and other laws. You may not use our intellectual property without our written permission.
9. Disclaimer of warranties
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or completely secure.
10. Limitation of liability
To the maximum extent permitted by law, FlexPay is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service. Our total liability for any claim will not exceed the fees you paid us in the 12 months before the claim arose.
11. Dispute resolution
Most concerns can be resolved by contacting us directly. If a dispute cannot be resolved informally, the terms of any loan agreement you signed control disputes about that loan. Disputes about your use of the website are governed by the laws of Delaware, without regard to conflict-of-law principles.
12. Changes to these terms
We may update these Terms of Use from time to time. The "Last updated" date reflects the most recent revision. Your continued use of FlexPay after changes take effect means you accept the updated terms.