Terms of Service

By accessing or using Flip, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this service.

Flip is a financial assistant service that enables you to manage your finances, make payments, and access various financial tools through text messaging and our platform.

To use Flip, you must be at least 18 years old and capable of forming a binding contract. By using our service, you represent and warrant that you meet these requirements.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

Flip provides access to financial services including but not limited to:

• Peer-to-peer payments
• Portfolio management tools
• Bill payment services
• Savings and investment features

You acknowledge that financial transactions involve risk. Flip is not responsible for any losses incurred through the use of our service.

Bank transfers and ACH payments are provided through Dwolla, Inc., and payments under the Flip Payment Offer are sent through Natural. By linking a bank account and using these features, you authorize Flip and these payment processors to originate credit and debit entries to your linked bank account, and you authorize the financial institution holding that account to post such entries.

Your use of the Dwolla service is subject to the Dwolla Terms of Service and Dwolla Privacy Policy. You agree that we may share the information necessary to provide these services with Dwolla.

Credit, debt, and liability insights are provided through Spinwheel Solutions, Inc. By connecting an account or requesting these features, you authorize Flip and Spinwheel to obtain your credit and liability data from consumer reporting agencies such as Equifax, and you consent to our sharing the personal information necessary to provide these features, including your name, contact details, date of birth, and Social Security number.

Spinwheel maintains security and compliance controls designed to protect this sensitive data, and we access it only to provide the features you request. Your use of the Spinwheel service is subject to the Spinwheel End User Agreement and Spinwheel Privacy Policy.

You agree not to use Flip to:

• Violate any applicable laws or regulations
• Engage in fraudulent or illegal activities
• Interfere with or disrupt the service
• Attempt to gain unauthorized access to our systems
• Transmit harmful code or malware
• Engage in money laundering or terrorist financing

Certain features of Flip may require payment of fees. All fees are non-refundable unless otherwise stated or required by applicable law. We reserve the right to modify our fee structure with reasonable notice.

Flip may offer to pay part of one charge on the bank statement of a new member (the "Offer"). The Offer is available only to members with an active paid Flip membership who connect a US checking account through Plaid during initial setup, within 7 days of creating an account. The account must have at least 30 days of transaction history and support ACH transfers. Where a connected bank cannot receive the payment, Flip may waive the first month of membership instead.

Flip selects one eligible posted charge (subscriptions and bills, generally between $1 and $20; income, transfers, refunds, interest and cashback are excluded) and sends up to $30 toward it by ACH through our payment partner, Natural, typically within 1 to 3 business days after your membership payment and eligibility checks complete. If no charge qualifies, Flip sends a $5 welcome payment instead.

One payment per person, bank account, phone number and email address. The payment is sent in the full legal name on your Flip account, and Flip may decline or delay a payment it cannot verify. A second payment of the same kind is available once five people subscribe to Flip through your invite link, limited to one per member.

Flip may delay a payment for verification and may change or end the Offer at any time; changes do not affect payments already sent. The Offer is a promotional payment from Flip, not from any merchant, and is not interest or a deposit product. You are responsible for any taxes. To prevent duplicate claims, Flip keeps a hashed record of the bank account, phone number and email address used, including after account deletion.

Flip subscriptions are billed in advance, monthly or yearly, at the price shown when you subscribe. New subscriptions do not include a free trial.

Yearly plan with a paid first month. You pay $9.99 at purchase for one month of access. One calendar month after purchase, your saved payment method is automatically charged $119.88 for a full year of access, then $119.88 each year until you cancel. This is not a free trial or a plan paid in monthly installments. Cancel before your first month ends to avoid the first annual charge, or before a later renewal to avoid that charge. Any applicable discount is shown at checkout.

Automatic renewal. Your subscription renews automatically at the end of each billing period, and the payment method on file is charged the then-current price for your plan, until you cancel.

How to cancel. Text Flip “cancel my subscription,” cancel from Settings in the Flip app, or email support@fliptexts.com. Cancellation takes effect at the end of your current billing period; you keep access until then and are not charged again.

For yearly plans, we email you a reminder before each renewal date that states the renewal date and how to cancel.

The Flip service, including its content, features, and functionality, is owned by Flip and is protected by copyright, trademark, and other intellectual property laws.

Flip is provided "as is" and "as available" without warranties of any kind. We do not guarantee that the service will be uninterrupted, secure, or error-free.

To the maximum extent permitted by law, Flip shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service.

You agree to indemnify and hold harmless Flip, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the service or violation of these terms.

We may terminate or suspend your access to Flip immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the service will cease immediately.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new Terms on this page. Your continued use of Flip after such changes constitutes acceptance of the new Terms.

For billing or account help, including cancellations, email support@fliptexts.com. If you have any questions about these Terms of Service, please contact us at legal@fliptexts.com