.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 Empowerment 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:
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.
LimitatioOpt-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.
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, an alternative credit bureau, 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. Example: 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.
Wealth Credits are platform-issued rewards that may be used with select investment partners. The 1% Wealth Credit benefit and 0.5% Community Fund contribution apply only to payment plans offered by FinCliq Loan Services LLC and may not be available with all partner plans. Wealth Credits are not cash equivalents. All investments involve risk, and you may lose money.
Consumer payments to FinCliq Inc. are processed by North American Banking Company, 2230 Albert Street, Roseville, MN 55113, and Avidia Bank, 42 Main Street, Hudson, MA 01749, Members FDIC.
For terms, licenses, and privacy information, visit fincliq.io/licenses.