Terms & Conditions

Flow to Funds
Effective Date: September 3, 2026

These Terms and Conditions govern your use of the Flow to Funds website, communications, products, and services. By accessing or using our website or services, you agree to these Terms and Conditions.

1. Business Information

Flow to Funds is a financial-services-related business located at:

2. Services

Flow to Funds may provide financial education, consulting, credit-related services, customer assistance, funding-related information, and other services described on our website or in separate agreements.

Specific services, pricing, deliverables, payment requirements, and customer obligations may be governed by separate written agreements.

3. No Guarantee of Credit or Funding Results

Individual results vary. Flow to Funds does not guarantee any specific:

• Credit score
• Credit score increase
• Credit report modification
• Deletion of information from a credit report
• Loan approval
• Credit approval
• Funding approval
• Funding amount
• Interest rate
• Repayment term
• Financial outcome

Credit, lending, and funding decisions made by third parties are determined independently by those institutions and may depend on underwriting standards, financial history, creditworthiness, documentation, income, business information, and other factors.

4. Customer Responsibilities

Customers are responsible for providing complete, truthful, current, and accurate information when requesting or receiving services.

Customers are responsible for reviewing applications, agreements, disclosures, credit reports, financial information, and other documents relating to services they receive.

5. SMS Messaging Terms

Flow to Funds may offer customers and prospective customers the option to separately consent to receive SMS or text message communications.

Depending on the specific consent provided, messages may include:

• Appointment confirmations
• Appointment reminders
• Customer service communications
• Account or service updates
• Follow-up communications
• Information specifically requested by the recipient
• Other communications described at the time of opt-in

Consent to receive text messages is voluntary and is not a condition of purchasing any product or service.

Message frequency may vary.

Message and data rates may apply according to your wireless carrier and mobile service plan.

Reply STOP at any time to opt out of SMS communications. After receiving a valid opt-out request, we will stop sending applicable messages except where necessary to confirm your opt-out or where otherwise legally permitted.

Reply HELP for assistance or contact:

• Phone: (716) 477-5726
• Email: [email protected]

Wireless carriers are not liable for delayed or undelivered messages.

SMS consent applies only to the messaging program and communication type for which the individual specifically opted in.

6. Privacy

Our collection and use of personal information is governed by our Privacy Policy.

Mobile information and SMS opt-in consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

7. Payment Terms

Pricing and payment requirements for individual products or services may be described on the website, invoice, checkout page, service agreement, or other written agreement between Flow to Funds and the customer.

Customers agree to provide valid and authorized payment information when payment is required.

8. Third-Party Providers

Flow to Funds may use or provide access to third-party services, technologies, financial institutions, credit bureaus, communication providers, payment processors, software systems, or other independent providers.

Third-party providers operate under their own terms, policies, eligibility requirements, underwriting standards, and procedures.

Flow to Funds is not responsible for the independent decisions, actions, outages, policies, or performance of third-party providers.

9. Acceptable Website Use

You agree not to use our website or services to:

• Engage in unlawful activity
• Submit intentionally false or fraudulent information
• Attempt unauthorized access to systems or accounts
• Introduce viruses, malware, or malicious code
• Interfere with website availability or security
• Impersonate another individual or organization
• Violate intellectual property rights
• Violate the legal rights of another person or business

10. Intellectual Property

Unless otherwise stated, content appearing on the Flow to Funds website, including text, graphics, branding, logos, designs, and other materials, is owned by or licensed to Flow to Funds and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, publish, sell, or commercially exploit protected content without prior authorization.

11. Website Availability

We do not guarantee that the website or any online service will remain uninterrupted, error-free, or continuously available.

We may modify, suspend, maintain, update, or discontinue portions of the website or services when reasonably necessary.

12. Disclaimer of Warranties

To the maximum extent permitted by law, the website and its general informational content are provided on an "as is" and "as available" basis.

Nothing on the website constitutes a guarantee of a particular financial, lending, funding, credit, or business result.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Flow to Funds will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the website or services.

Nothing in these Terms limits liability that cannot lawfully be excluded under applicable law.

14. Changes to These Terms

Flow to Funds may revise these Terms and Conditions periodically. Updated Terms will be published on this page with a revised effective date.

Continued use of the website following publication of updated Terms may constitute acceptance of the revised Terms where permitted by law.

15. Contact Information