Welcome to Finance Point Flow. These Terms & Conditions ("Terms") govern your use of our website, financial services, loan products, and wealth management offerings. By accessing our services or accepting an agreement with us, you agree to be bound by these Terms.
You must be at least 18 years old and a legal resident of the United States to use our services. Loan products require U.S. citizenship or permanent residency, a valid SSN or ITIN, and verifiable income.
Finance Point Flow provides personal loans, credit-builder loans, residential mortgage loans, investment advisory, tax planning, and insurance brokerage. Each service is governed by its own disclosure agreement, which supplements these Terms.
Loan approvals, APRs, and repayment schedules are disclosed in your loan agreement. APRs range from 5.99% to 35.99% depending on creditworthiness. Late payments incur fees as disclosed under the Truth in Lending Act (TILA). Prepayment is always penalty-free.
Wealth management services are charged via transparent monthly subscription (Starter, Premium, Elite) or a percentage of assets under management (AUM). Fees are billed in advance monthly and refundable on a pro-rated basis within 30 days.
Investment performance cannot be guaranteed. Past performance does not indicate future results. All investing involves risk, including potential loss of principal.
You represent that all information provided in applications is accurate and complete. Misrepresentation may result in denial, account termination, and reporting to credit bureaus or law enforcement.
All website content, logos, tools, and methodologies are owned by Finance Point Flow or its licensors and protected by U.S. copyright and trademark law.
Our website may link to third-party sites (e.g., credit bureaus, custodians). We are not responsible for their content, privacy practices, or terms.
To the fullest extent permitted by law, Finance Point Flow shall not be liable for indirect, incidental, or consequential damages arising from use of our services, except where prohibited by state or federal law.
Disputes shall first be attempted to be resolved through informal negotiation. Failing that, binding arbitration under the American Arbitration Association (AAA) shall apply, with venue in Louisville, Kentucky. Class action waivers apply where enforceable.
These Terms are governed by the laws of the Commonwealth of Kentucky and applicable U.S. federal law.
You may terminate any service by written notice. We may terminate for breach, fraud, or regulatory requirement, with 30 days' notice except where immediate action is legally mandated.
We may update these Terms. Material changes will be notified via email or site banner at least 30 days prior to effectiveness.
Finance Point Flow Legal Department
Po Box 32335, Louisville, Kentucky 40232, USA
Email: legal@financepointflow.com
Phone: (406) 844-3525