.png)
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING THE FINCLIQ WEBSITE OR USING THE FINCLIQ PLATFORM, YOU AGREE TO BE BOUND BY THESE TERMS, OUR PRIVACY POLICY, E-SIGN CONSENT AGREEMENT, AND ANY OTHER AGREEMENTS OR POLICIES REFERENCED HEREIN. IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM OR ANY SERVICES.
These Terms of Service ("Agreement") form a legal agreement between you ("you," "your") and FinCliq Inc., including its subsidiaries and affiliates, such as FinCliq Loan Services LLC ("FinCliq," "we," "us," or "our").
This Agreement governs your use of:
You must:
Some features may not be available in all jurisdictions. We reserve the right to decline or restrict your access.
A. Payment Plans (Consumers):
FinCliq provides qualified consumers with interest-free installment plans to pay for purchases at participating merchants.
Key features:
B. Merchant Advances
FinCliq Loan Services LLC may provide sales-based financing (merchant cash advances) to participating merchants, repaid as a percentage of sales made through the FinCliq platform.
You are responsible for:
We are not liable for losses resulting from unauthorized use unless caused by our gross negligence.
By using FinCliq, you authorize us and our third-party partners to:
You grant FinCliq and its providers a limited power of attorney to access and use your data solely for these purposes. Your data is stored securely using industry-standard encryption protocols and is processed per our Privacy Policy.
Upon successful repayment of eligible plans, you may earn Wealth Credits, a portion of your plan total credited toward financial education or investment tools.
When you use FinCliq to make a purchase, you will be presented with a payment plan that includes the following terms:
If you fail to make a scheduled payment under a payment plan, subscription, Savings Circle contribution, or other FinCliq service, your account may be considered delinquent or in default.
While FinCliq does not charge interest, continued nonpayment may result in account suspension, loss of eligibility for future services, forfeiture of rewards or credits, and referral of the outstanding balance to a third-party collection agency or recovery partner.
By using the Services, you authorize FinCliq to share necessary personal, account, and payment information with such third parties for the purpose of account servicing and collections, as permitted by applicable law.
Collection efforts will be conducted in accordance with applicable federal and state laws. Any communications from third-party collection agencies will be governed by their own legal obligations and disclosures.
Late fees may be assessed prior to referral to a third-party collection agency, as disclosed in your payment plan terms.
FinCliq is committed to protecting consumers in cases where merchants fail to deliver goods or services as promised. If your order does not arrive, is materially different from what was advertised, or a service is not completed, you may be eligible for Buyer Protection.
We use third-party providers for:
You authorize us and these providers to access, transmit, store, and process your data to facilitate the Services. We are not responsible for their actions.
By using FinCliq’s Services, you consent to receive all agreements, notices, disclosures, and other communications electronically. This includes, but is not limited to, your payment plan terms, consent to debit your bank account, privacy policy updates, and other legally required disclosures.
You agree that electronic signatures and records shall have the same legal effect as physical signatures and documents.
You may request paper copies at no cost by contacting us at info@fincliq.com. You may withdraw your consent at any time, though doing so may result in loss of access to certain features or services.
To access and retain electronic records, you will need to:
No Warranties: FinCliq provides the Platform and Services "as is." We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.
Limitation of Liability: FinCliq is not liable for indirect, incidental, or consequential damages arising from your use of the Services. Our maximum liability to you is limited to the fees paid by you for the Services in the six months preceding the claim.
You may close your account at any time by contacting us. We may suspend or terminate your account if:
You remain responsible for any outstanding amounts.
Arbitration Agreement: All disputes must be resolved through binding arbitration under the American Arbitration Association's Consumer Arbitration Rules. You waive the right to a jury trial or class action.
Limitation Opt-Out: You may opt out of arbitration by sending a written notice within 30 days of first using the Services to: FinCliq Legal Dept., 2024 Old Manchester Street Richmond VA 23225.
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.
For questions, disputes, or notices, contact us at:
We may update this Agreement at any time. Material changes will be posted on the Platform. Continued use of the Services constitutes acceptance of the revised terms.
FinCliq is not a lender. All installment plans are interest-free and provided in conjunction with merchant cash advances to participating businesses. All rights reserved.
By enrolling in a FinCliq payment plan, subscription, Savings Circle, or other service that supports automatic payments (“Autopay”), you authorize FinCliq and its payment processing partners to initiate recurring electronic debits from your linked payment method (bank account or debit card) for amounts owed under your selected plan or service.
Autopay Terms:
You agree to maintain valid payment information at all times. FinCliq is not responsible for failed payments due to expired, closed, or insufficient accounts.
FinCliq may offer a stored-value balance feature (“FinCliq Balance”) that allows users to hold non-cash credits for use within the FinCliq platform.
Important Disclosures:
FinCliq may suspend, restrict, or forfeit FinCliq Balance in cases of fraud, misuse, account termination, or as required by law. FinCliq Balance has no cash value outside the Platform.
FinCliq Savings Circles are a voluntary community-based contribution feature designed to help users participate in structured contribution rotations.
Savings Circles are not:
Key Terms:
FinCliq may offer digital gift cards and stored-value products issued by third-party brands.
Gift Card Terms:
Network-branded gift cards (e.g., Visa or Mastercard) are subject to the issuer’s terms and applicable network rules
FinCliq may offer a subscription or membership tier (“FinCliq+”) that provides enhanced platform features, discounts, or eligibility benefits.
FinCliq+ Disclosures:
FinCliq may modify, suspend, or discontinue any Service, feature, or benefit at any time, including but not limited to payment plans, FinCliq Balance, Savings Circles, gift cards, or membership programs. Continued use of the Platform constitutes acceptance of such changes.
FinCliq Inc. is a financial technology company, not a bank, and does not provide loans. Payment plans are facilitated and serviced by FinCliq Loan Services LLC. A down payment may be required. A flat Flex Fee may apply for each installment plan created. For extended or custom repayment plans, an additional extended plan fee may apply. FinCliq does not guarantee any merchant offer. Eligibility is evaluated using information from Consulytica and other data sources. Your payment activity may be reported to Consulytica and may impact your Consulytica profile. Payment options and availability vary by merchant and by state.
Some services may include automatic or recurring payments. By enrolling in Autopay, you authorize recurring debits from your selected payment method in accordance with your plan terms.
FinCliq Balance and Savings Circles are not bank accounts, are not FDIC insured, and are not redeemable for cash. Funds are usable only within the FinCliq platform and with approved merchants or products.
¹Example: For a $400 purchase, you could pay $100 today, followed by 3 equal interest-free payments of $100 every two weeks. A one-time Flex Fee may apply. Not available in all markets and may not be available for certain types of purchases, such as subscriptions or recurring transactions.
²Wealth Credits are platform-issued rewards that may be used with select partners. Wealth Credits are not cash equivalents and are not investment advice. Availability and terms may vary.
FinCliq+ membership benefits do not guarantee approval, increased purchase power, or eligibility for specific plans. Membership terms apply.
Payments to FinCliq Inc. are processed by Cliq, North American Banking Company, 2230 Albert Street, Roseville, MN 55113, and Avidia Bank, 42 Main Street, Hudson, MA 01749, Members FDIC.
All trademarks are the property of their respective owners. Brand names are used solely to identify gift cards available through FinCliq. FinCliq is not affiliated with, sponsored by, or endorsed by these brands. Visa is a registered trademark of Visa International Service Association. FinCliq is not affiliated with or endorsed by Visa. Mastercard is a registered trademark of Mastercard International Incorporated. FinCliq is not affiliated with or endorsed by Mastercard.
For terms, licenses, and privacy information, visit fincliq.io/licenses.