These terms govern your use of FlexBuy, a Buy Now Pay Later platform operated by FlexBuy. By opening an account or completing a checkout, you agree to what's below. If you do not agree, do not use the service.
1. Eligibility
You must be 18 or older, resident in a jurisdiction where FlexBuy is available, and legally able to enter contracts. You must provide accurate identity information at signup so we can complete KYC and underwriting checks.
2. How installment plans work
At checkout, you choose a plan (typically Pay-in-3, Pay-in-4, six-month, or twelve-month). The total repayment amount is disclosed on that page before you accept. If you accept, we fund the merchant on your behalf and schedule the remaining installments to your saved payment method.
- Installments debit automatically on their scheduled dates.
- You can pay off any plan early from your account, without penalty.
- A missed installment accrues a fixed late fee, disclosed at checkout.
3. Underwriting
Every plan is subject to a soft credit check that does not affect your credit score, plus our internal risk engine. Approval is not guaranteed. We may decline any request without stating a specific reason, subject to fair-lending laws.
4. Fees and interest
Some plans carry interest, expressed as an APR. Others are interest-free. Either way, the total repayment amount is shown upfront in the checkout flow. Late fees and returned-payment fees are also disclosed at checkout.
5. Merchant relationship
FlexBuy pays merchants directly at the time of your checkout. Your relationship with the merchant for the goods or services purchased remains between you and them. Refunds, warranty claims, and product disputes are handled by the merchant. If you're refunded, we reduce or clear your remaining installments accordingly.
6. Your account
You are responsible for keeping your login credentials safe. You must notify us immediately if you suspect unauthorized access.
7. Data
Our use of your personal data is described in the privacy policy. By accepting these terms you consent to that use.
8. Suspension and termination
We may suspend or close your account for suspected fraud, non-payment, or violation of these terms. Outstanding balances remain due after closure.
9. Changes to these terms
We may revise these terms. Material changes are communicated by email and posted here with an updated revision date. Continued use of the service after a change constitutes acceptance.
10. Contact
Questions about these terms: [email protected].