DRAFT — pending legal review. This page is a starter template. The bracketed [PLACEHOLDERS] and the copy itself must be reviewed and completed by qualified counsel before launch.

These Terms & Conditions (“Terms”) govern your use of fluteloans.com and the services offered by [LEGAL ENTITY NAME] (“FluteLoans”, “we”, “us”, or “our”). By using the site, you agree to these Terms.

About FluteLoans

FluteLoans is a technology platform, not a lender. Loans are originated by our bank partner(s) [BANK PARTNER(S)] and are subject to eligibility, creditworthiness, and approval. Loans are not available in all states. [CONFIRM lender relationship and disclosures with counsel.]

Eligibility

You must be at least 18 years old (19 in some states), a U.S. resident in a state we serve, and able to enter into a binding contract to use our services.

Use of the site

You agree to provide accurate information, to use the site only for lawful purposes, and not to interfere with its operation or security.

Rates, terms, and no offer of credit

Any amounts, APRs, or terms shown on the site are illustrative, are not an offer or commitment to lend, and depend on your credit profile, loan amount, term, and applicable law. Actual rates and terms are provided by the lender. See our rate tool and Disclaimer.

Electronic communications and consents

By using our services you agree to our E-Sign Consent and SMS Terms & Electronic Communications.

Intellectual property

The site content, trademarks, and logos are owned by FluteLoans or its licensors and may not be used without permission.

Disclaimers and limitation of liability

The site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, FluteLoans is not liable for indirect or consequential damages arising from your use of the site. [CONFIRM scope with counsel.]

Arbitration and governing law

[ARBITRATION / DISPUTE-RESOLUTION CLAUSE AND CLASS-ACTION WAIVER TO BE DRAFTED BY COUNSEL.] These Terms are governed by the laws of [GOVERNING STATE], without regard to conflict-of-laws rules.

Changes to these Terms

We may update these Terms; continued use of the site after changes constitutes acceptance.

Contact us

Questions about this policy? Reach us at:

Effective date: [EFFECTIVE DATE]. Last updated: [LAST UPDATED].