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Terms of Use

Effective Date: April 4, 2026

FINANCIAL TERMS OVERVIEW: RATES, REPAYMENT, AND CHARGES

The following is a general summary of common financial terms that may appear within the Services. Flex Cash is a matching platform and does not act as a lender or establish credit terms. The specific rates, fees, and conditions applicable to any financial product are determined exclusively by the independent provider you select and will be disclosed by that provider before you enter into any agreement.

A) Annual Percentage Rate (APR)

The APR represents the annualized cost of borrowing, expressed as a percentage, and may encompass interest along with certain applicable charges. Depending on your qualifications and the provider’s offer, the APR for products surfaced through the Services can reach up to 35%. The provider will present the APR and all relevant fees before you proceed with an application.

B) Repayment Duration

Repayment timelines differ based on the provider, the product category, and state-level regulations. In general, repayment periods span from 3 to 24 months, depending on the option you choose and what your state permits. Your payment schedule, specific due dates, and total repayment obligation will be communicated by the provider prior to finalizing any application or accepting an offer.

C) Fees and Additional Charges

Providers may assess various fees — for example, origination fees, late-payment fees, returned-payment or non-sufficient-funds (NSF) fees, or optional expedited-funding fees. The complete fee structure and total cost of credit will be disclosed by the provider before you agree to any offer.

These Terms of Use (“Terms”) form a legally binding agreement between you (“you,” “your,” or “User”) and Instant Flex Cash LLC (“Flex Cash,” “we,” “us,” or “our”). They govern your access to and use of the Flex Cash mobile application, our website (instantflexcash.com), and all related services (collectively, the “Services”).

By downloading, installing, opening, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Services.

1. Essential Disclosures

1.1 Flex Cash Is Not a Lender

Flex Cash is a matching and comparison platform. We do not:

  • lend money or originate loans,
  • establish interest rates, fee schedules, repayment timelines, or other credit terms,
  • render credit decisions or evaluate your eligibility for any financial product.

Any loan, cash advance, or other financial product you elect to pursue is offered by an independent third-party provider, and your contractual relationship is directly with that provider.

1.2 No Guarantee of Approval or Funding

Product availability, approval outcomes, funding speed, and final terms are determined solely by the provider and may vary based on your state of residence, your individual qualifications, and the provider’s requirements. We make no representations or guarantees that you will receive an offer or obtain funding.

2. Eligibility and User Responsibilities

To access and use the Services, you must:

  • be at least 18 years of age (or the age of majority in your state, if higher),
  • be physically located in the United States,
  • use the Services solely for lawful, personal, and non-commercial purposes,
  • supply accurate, current, and complete information when prompted.

You are responsible for safeguarding any verification codes or authentication methods associated with your use of the Services, as well as for all activity conducted through your device.

3. Description of the Services

The Services are designed to help you discover and compare available cash advance and personal loan options. Depending on the flow, you may:

  • specify a desired amount and enter basic details to view available options,
  • review key terms displayed within the Services,
  • choose to proceed to a third-party provider’s platform to apply or continue.

If you move forward with a provider, that provider’s terms, privacy policy, and application process govern your interaction from that point. Flex Cash bears no responsibility for the provider’s products, services, decisions, or customer support.

4. Electronic Communications and Text Messages (SMS)

By using the Services, you consent to receive electronic communications related to your use, which may include:

  • in-app notifications,
  • emails,
  • text messages (SMS), including one-time verification codes.

If you opt for phone-based verification, we may send a one-time code to the number you provide to confirm your identity. Standard messaging and data rates from your carrier may apply. If you prefer not to receive authentication-related texts, please refrain from using the phone verification feature.

We may continue to send communications that are necessary to operate the Services, respond to support inquiries, or fulfill legal requirements.

5. Submitted Information and Authorization

When you provide information through the Services, you authorize us to:

  • process your information in order to deliver the Services,
  • transmit the information you supply to third-party providers you choose to engage with,
  • engage service providers (including hosting, analytics, fraud-prevention, and customer-support vendors) to operate and secure the Services.

You represent and warrant that the information you submit is truthful, accurate, and not misleading. Providing false or incomplete information may result in restricted access to certain features or suspension of your use of the Services.

6. Acceptable Use and Prohibited Conduct

You agree not to:

  • use the Services in violation of any applicable law or regulation,
  • attempt to obtain unauthorized access to systems, accounts, or data,
  • use automated tools, bots, scrapers, or crawlers to extract data from the Services,
  • upload or transmit malicious software, viruses, or other harmful code,
  • reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Services,
  • copy, modify, distribute, or create derivative works based on the Services or their content without our prior written consent,
  • use the Services to transmit spam, unsolicited advertising, or unlawful communications.

We reserve the right to suspend or terminate your access if we reasonably determine that you have violated these Terms or engaged in fraudulent, abusive, or prohibited activity.

7. Fees and Compensation

7.1 No Consumer Fee

We do not charge you any direct fee to download or use the Services.

7.2 Provider Compensation

We may receive compensation from third-party providers — for example, referral fees or marketing commissions — when users click through, submit applications, or complete certain actions with a provider. Any such compensation does not alter the terms or pricing offered to you by the provider.

8. Third-Party Websites and Providers

The Services may direct you to external websites or provider platforms. We do not control and are not responsible for the content, availability, privacy practices, products, or services offered by third parties. Your relationship with any provider is governed exclusively by that provider’s own agreements and disclosures.

9. Intellectual Property

The Services and all associated content — including text, graphics, logos, software, design elements, and compilations — are the property of Instant Flex Cash LLC or its licensors and are protected under applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, lawful purposes in accordance with these Terms. This license does not permit you to sublicense, resell, or otherwise commercially exploit any aspect of the Services.

10. Disclaimers

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, WHETHER 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 Services will operate without interruption or error, that they will be entirely secure, or that any information displayed will be current or available at all times.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSTANT FLEX CASH LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, NOR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF (OR INABILITY TO USE) THE SERVICES OR ANY THIRD-PARTY PROVIDER.

TO THE EXTENT ANY LIABILITY IS ESTABLISHED NOTWITHSTANDING THE FOREGOING, OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

Certain states do not permit specific limitations of liability; accordingly, portions of this section may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless Instant Flex Cash LLC and its affiliates, officers, directors, employees, partners, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • your use or misuse of the Services,
  • your breach of these Terms,
  • your violation of any applicable law or regulation,
  • your infringement or violation of any right of any third party.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Instant Flex Cash LLC is organized, without regard to conflict-of-law principles, and applicable federal law.

13.2 Binding Individual Arbitration; Class Action Waiver

Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through final and binding arbitration on an individual basis, administered under the Federal Arbitration Act, rather than in a court of law.

You agree that:

  • no class actions, class arbitrations, or representative proceedings shall be pursued,
  • claims may be brought only in your individual capacity.

If arbitration is determined to be unenforceable with respect to a particular claim, that claim shall be resolved in a court of competent jurisdiction, while all remaining claims shall continue to be subject to arbitration to the fullest extent permitted by law.

14. Termination

We may suspend or terminate your access to the Services at any time if we believe you have violated these Terms or if your continued use poses a risk to us, to providers, or to other users.

You may discontinue your use of the Services at any time by deleting the application and ceasing all use.

Provisions of these Terms that by their nature are intended to survive termination — including disclaimers, limitation of liability, indemnification, and dispute resolution — shall remain in full force and effect.

15. Modifications to These Terms

We may revise these Terms from time to time. When we do, we will update the Effective Date shown at the top of this page. Your continued use of the Services after such changes take effect constitutes your acceptance of the revised Terms. If you do not agree with the revised Terms, you must discontinue use of the Services.

16. Apple-Specific Provisions (iOS Users)

These Terms constitute an agreement between you and Instant Flex Cash LLC, not with Apple Inc. Apple has no responsibility for the Services or their content and is under no obligation to provide maintenance or support services.

17. Contact Information

If you have questions about these Terms or the Services, please reach out to us:

Instant Flex Cash LLC Website: https://instantflexcash.com/ Contact Support: https://instantflexcash.com/contact-us/ Privacy Policy: https://instantflexcash.com/privacy-policy/