This website (including all sub-sites) is operated by Flip Finance, LLC or a subsidiary or affiliate thereof (collectively, “Flip Finance,” “we,” or “us”). By accessing a Flip Finance website, mobile application, interface, or platform (collectively, “Site” or “Sites”) that links to this Terms of Use Agreement ( the “Terms of Use” or “Agreement”), you agree to abide by this Agreement and by our Privacy Policy (which is hereby incorporated by reference), regardless of the device used (e.g., personal computer, mobile device, or any other technology or software) for access.

PLEASE READ THESE TERMS OF USE CAREFULLY TO UNDERSTAND EACH PROVISION. THIS CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU AND FLIP FINANCE FOR THE USE OF THE SERVICES AND THE TERMS OF USE SHALL APPLY TO ALL USERS OF THE SITES. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITES, SERVICES, AND/OR CONTENT.

1. Use of Sites

You may view and use the Sites and/or any of the information or Services only in accordance with these Terms of Use. You agree to use the Sites and/or Services only for lawful purposes. The Sites are for individual business owners and legal entities organized and authorized to do business in the United States. To access certain features of the Site, you may need to register for an account and provide us with documentation or information. By using the Sites, you represent that you are 18 years old or older and that all information you submit is true, accurate, and complete.

2. Prohibitions on Use

You agree that you will not violate any law, contract, intellectual property, or other third-party right. You will not: provide false information; impersonate any person; use the Site in any manner that could interfere with, disrupt, or negatively affect other users; reverse engineer any aspect of the Site; transmit any malicious code; or post any offensive, defamatory, or illegal content.

3. Account Security

You are responsible for any misuse of your account. You must take all reasonable steps to protect your account from unauthorized access, including protecting your password and not sharing it with others. We reserve the right to terminate your access at any time for any reason.

4. Ownership and Intellectual Property

Any and all information, materials, images, software, and other content provided by Flip Finance on any Site (“Site Content”) is the sole property of Flip Finance or our licensors. The Sites and Site Content are protected by copyright, trademark, and other intellectual property laws. The Flip Finance name, logo, and all related names are trademarks of Flip Finance. You may not copy, imitate, or use them, in whole or in part, without our prior written permission.

5. User Content

Any information or content you provide to us (“User Content”) must comply with these Terms. By posting User Content, you grant Flip Finance a non-exclusive, perpetual, royalty-free, and transferable license to use, reproduce, distribute, and display such content. You are solely responsible for any User Content you submit.

6. Third-Party Content & Affiliate Marketing

We may link to other websites or provide information about third-party products. We do not control or endorse, and make no representations or warranties regarding, any third-party content. Your use of such content is at your own risk. We do not provide your information to affiliates or third parties for their own marketing purposes without your explicit consent.

7. Telephone Communications & Opt-In

By using the Sites and providing your phone number, you expressly consent to receiving servicing, collection, and marketing calls and messages, including auto-dialed and pre-recorded messages, and SMS messages (including text messages) from us and our partners, at any telephone numbers you provide. You understand that this consent is not a condition of purchase. You may opt out of marketing communications by emailing us at jacob@flipfinance.net.

8. Disclaimers

THE SITES AND SERVICES ARE MADE AVAILABLE “AS IS,” “AT YOUR OWN RISK,” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FLIP FINANCE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES) ARISING OUT OF, OR RELATING TO, THESE TERMS OF USE, OR YOUR ACCESS TO OR USE OF ANY SITE.

10. Indemnification

You agree to indemnify, defend, and hold harmless Flip Finance from all claims, actions, liabilities, and damages arising from your use of the Sites or your breach of these Terms of Use.

11. Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. You agree to resolve any dispute with Flip Finance through private, binding arbitration. You waive your right to a jury trial and to participate in any class action lawsuit against Flip Finance. All disputes shall be resolved on an individual basis only.

12. Governing Law and Jurisdiction

The use of this Site shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to any conflicts of law. Any suit or action shall be instituted in a court sitting in Delaware.

13. Miscellaneous

These Terms of Use constitute the entire agreement between you and Flip Finance. If any part of these Terms is found to be invalid, the remaining parts will continue in full force and effect. These terms may not be assigned by you but may be assigned by Flip Finance without restriction.

14. Contact Information

If you have any questions or concerns about these Terms of Service, please contact us at: jacob@flipfinance.net