TERMS AND CONDITIONS

Last Updated : September 08,2026

Welcome to Flexible Loan Options (the “Website”), operated by Flexible Loan Options (“Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Website and the content, newsletters, communications, calculators, educational materials, and other services made available through or in connection with the Website (collectively, the “Services”).

By accessing or using the Website, submitting information through any form on the Website, or subscribing to our newsletter or email communications, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference.

If you do not agree with these Terms, please do not access or use the Website or Services.

1. USE OF THE WEBSITE

The Website is intended for individuals located in the United States and provides personal-loan, borrowing, financial-education, and related informational content, calculators, comparisons, newsletters, advertisements, and promotional offers.

The Website is provided for informational and general educational purposes. Your use of the Website does not create a lender-borrower, loan broker-client, financial adviser-client, fiduciary, agency, or other professional relationship between you and Company.

The Website may provide information about personal loans, loan amounts, interest rates, APR, fees, repayment terms, monthly payments, total borrowing costs, and other financial concepts.

You agree to use the Website only for lawful purposes and in accordance with these Terms and all applicable laws and regulations.

2. ELIGIBILITY

You must be at least 18 years old to use the Website or submit information through the Website.

By using the Website, you represent that you are at least 18 years old and that all information you provide is accurate and truthful to the best of your knowledge.

We reserve the right to restrict or terminate access to the Website if we reasonably believe that information provided by you is inaccurate, misleading, fraudulent, or otherwise inconsistent with these Terms.

3. NEWSLETTER AND EMAIL COMMUNICATIONS

When you subscribe to the Website, you may receive newsletters, educational information, updates, advertisements, promotions, and offers relating to personal loans, borrowing, financial education, debt consolidation, credit, and related products or services.

Depending on the information you provide and other information available to us, we may use your information to determine which content, advertisements, or third-party offers may be relevant to you.

You understand and agree that some email communications may contain promotional content from or relating to third-party companies, products, or services.

Your subscription to the Website does not require you to purchase or apply for any product or service advertised or mentioned in our communications.

You may unsubscribe from promotional or marketing emails at any time by using the unsubscribe mechanism provided in the applicable email. After you unsubscribe, we will process your request in accordance with applicable law and our Privacy Policy.

We do not currently use the Website to obtain consent for marketing communications by telephone call or text message.

4. THIRD-PARTY PRODUCTS, SERVICES, AND PROMOTIONS

The Website and our email communications may contain advertisements, links, offers, promotions, and other information relating to products or services provided by third parties (“Third-Party Offers”).

Third-Party Offers may include personal-loan products, lending opportunities, financial products, debt-consolidation products, financial-education resources, calculators, or other products and services that may be relevant to our audience.

Company is not the provider of any Third-Party Offer unless expressly stated otherwise. Any transaction, application, inquiry, communication, or other interaction you have with a third party is solely between you and that third party.

We do not guarantee, endorse, or warrant the availability, accuracy, suitability, pricing, terms, approval, performance, eligibility, or quality of any Third-Party Offer.

Before entering into any transaction, submitting an application, or providing additional information to a third party, you should review that third party’s applicable terms, privacy policy, disclosures, and other documentation.

5. NO LENDING, FINANCIAL, OR PROFESSIONAL ADVICE

The information provided through the Website, including articles, newsletters, emails, advertisements, calculators, comparison tools, educational materials, and other content, is provided for general informational and educational purposes only.

Nothing on the Website constitutes lending, financial, investment, tax, legal, credit, debt-relief, or other professional advice.

Company does not make credit decisions, approve or deny loan applications, determine loan eligibility, set lending terms, or provide individualized financial advice unless expressly stated otherwise.

Information about personal loans may include general explanations of interest rates, APR, fees, loan terms, monthly payments, and total repayment costs. Actual loan terms and costs vary by provider and individual circumstances.

Any calculator or estimate provided through the Website is for educational purposes only and does not represent an actual loan offer.

You should consult an appropriately qualified professional before making financial or borrowing decisions based on information obtained through the Website.

6. INDEPENDENT THIRD PARTIES

Third-party advertisers, lenders, service providers, and other companies whose products or services may be mentioned, advertised, or linked through the Website are independent third parties.

Unless expressly stated otherwise, Company is not affiliated with, a partner of, an agent for, or a representative of any third-party provider.

The appearance of a third-party product, service, advertisement, logo, trademark, or link on the Website or in an email does not necessarily constitute an endorsement or recommendation by Company.

Any trademarks, service marks, logos, trade names, and other intellectual property belonging to third parties remain the property of their respective owners.

7. LINKED WEBSITES

The Website and our communications may contain links to websites operated by third parties.

These third-party websites are not controlled by Company, and Company is not responsible for their content, availability, privacy practices, security, products, services, or other activities.

If you choose to visit a third-party website or interact with a third-party service, you do so at your own discretion and risk.

We encourage you to review the applicable third party’s terms of use and privacy policy before providing personal information or entering into any transaction.

8. INFORMATION YOU PROVIDE

You agree that information you submit through the Website will be accurate and not misleading.

You understand that information submitted through the Website may be used and processed as described in our Privacy Policy, including for the purposes of providing newsletters, determining relevant content and offers, communicating with you by email, and presenting third-party promotional opportunities.

For information regarding how we collect, use, disclose, retain, and protect personal information, please review our Privacy Policy.

9. PROHIBITED CONDUCT

You may not use the Website to engage in unlawful, fraudulent, abusive, or deceptive activity.

You may not attempt to gain unauthorized access to the Website, its systems, servers, databases, or accounts; interfere with the operation or security of the Website; introduce malicious code or software; impersonate another person or entity; collect information about other users without authorization; or use automated systems such as bots, crawlers, or scraping tools to access or collect Website content except where expressly permitted by us.

You may not reproduce, copy, modify, distribute, sell, publish, transmit, or commercially exploit Website content without our prior written permission.

10. INTELLECTUAL PROPERTY

All content made available through the Website, including text, articles, graphics, logos, designs, photographs, videos, software, trademarks, service marks, calculators, and other materials, is owned by or licensed to Company or its respective owners and is protected by applicable intellectual property laws.

Subject to these Terms, Company grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Website and its content for your personal, non-commercial purposes.

No rights or licenses are granted to you except as expressly provided in these Terms.

11. DISCLAIMER OF WARRANTIES

The Website and its content are provided on an “as is” and “as available” basis to the extent permitted by applicable law.

Company does not guarantee that the Website will always be available, uninterrupted, secure, accurate, complete, current, or free from errors, defects, viruses, or other harmful components.

Company makes no representation or warranty regarding the accuracy, completeness, reliability, suitability, or availability of information provided through the Website or any Third-Party Offer.

Information relating to personal-loan rates, lending products, financial products, borrowing costs, or other market information may change over time and may not reflect current terms or availability.

12. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Company and its owners, affiliates, officers, directors, employees, contractors, service providers, licensors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your access to or use of the Website, reliance on Website content, communications received from us, or interactions with third parties.

Company will not be responsible for any loss, damage, cost, or liability arising from any transaction, communication, product, service, application, offer, loan, or other interaction between you and a third-party provider.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

13. INDEMNIFICATION

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Company and its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or relating to your misuse of the Website, your violation of these Terms, your violation of applicable law, or your infringement of another person’s rights.

14. SUSPENSION OR TERMINATION

We may suspend or terminate your access to the Website or any portion of the Services at any time if we believe that you have violated these Terms, applicable law, or our policies, or where reasonably necessary to protect the Website, our users, or our business.

You may stop using the Website at any time.

Termination of access will not affect provisions of these Terms that by their nature are intended to survive termination.

15. CHANGES TO THESE TERMS

We may update or modify these Terms from time to time.

When we make changes, we may update the “Last Updated” date at the beginning of these Terms and post the revised version on the Website.

Your continued use of the Website after revised Terms are posted constitutes your acceptance of the updated Terms, to the extent permitted by applicable law.

16. GOVERNING LAW

These Terms will be governed by and interpreted in accordance with the laws applicable to the Company and the Website, without regard to conflict-of-law principles, except to the extent that applicable law requires otherwise.

Any dispute arising from or relating to these Terms or your use of the Website will be handled in accordance with applicable law and any dispute-resolution provisions that may be separately provided on the Website.

17. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.

18. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any other terms expressly incorporated into the Website, constitute the agreement between you and Company regarding your use of the Website and Services and supersede prior agreements relating to the same subject matter.

19. CONTACT US

If you have questions regarding these Terms of Use, please contact us at:
Flexible Loan Options
Website: https://flexibleloanoptions.com
Email: [email protected]