Cookie Policy

Last Updated November 21, 2024

This policy describes the ways in which Flexible Finance, Inc., together with its subsidiaries, affiliates, agents, and assigns (collectively “Flex,” “we,” “us,” “our”) uses cookies and similar technologies to provide you with an enhanced user experience as well as allowing us to analyze and improve the services we provide to you through the Flex website, the Flex mobile application, and other means (collectively, the “Service(s)”). We would not be able to provide you with all of our Services, including certain personalized features, without the use of cookies and related technology and as such, your computer, mobile phone, tablet, or other enabled mobile device (which we refer to collectively in this policy as a “device”) will need to be set up to enable such technologies

1. What are ‘cookies’?

Cookies are small files of letters and numbers stored on your browser or device that enable the cookie owner to recognize the device when it visits websites or uses online services. The website you visit may set cookies directly, known as first-party cookies, or may trigger cookies set by other domain names, known as third-party cookies. While we may automatically use some cookies that are strictly necessary to provide the services you request or enable communications, we request your consent for all of our other cookie uses.

2. What cookies does Flex use?

Flex uses the following categories of cookies:

Strictly Necessary Cookies. These cookies are essential for the proper functioning of our services and websites, and cannot be disabled.

Cookie	Session or Persistent	First or Third Party
^amp_.*	Persistent	Third Party
^AMP_.*	Persistent	Third Party
^amplitude_.*	Persistent	Third Party
AMP_TEST	Session	Third Party
AMP_MKTG_ed24d68629	Session	Third Party
wordpress_test_cookie	Session	First Party

Analytical or performance cookies. These cookies allow us to recognize and count the number of visitors and to see how visitors use our products and move around our website when they are using it. This helps us improve how our website works by, for example, identifying and fixing any issues, and ensuring that users can easily find what they need on our website. These cookies generate aggregate statistics that are not associated with an individualized profile.

Cookie	Session or Persistent	First or Third Party
^ajs_anonymous_id.*	Persistent	Third Party
^_ga.*	Persistent	Third Party
^_gcl.*	Persistent	Third Party
^_hjSession_.*	Session	Third Party
^_hjSessionUser_.*	Session	Third Party
^mp_.*_mixpanel$	Persistent	Third Party
AMP_073d0fe7f2	Session	Third Party
AMP_ed24d68629	Session	Third Party
AMP_TLDTEST	Session	Third Party
_ga	Persistent	Third Party
utm_content	Session	Third Party
utm_term	Session	Third Party
utm_id	Session	Third Party
gclid	Persistent	Third Party
fbclid	Persistent	Third Party
_gid	Third Party	Persistent
__tld__	Session	Third Party
sessionId	Session	Third Party
city	Session	Third Party
region	Session	Third Party
iterableEmailCampaignId	Session	Third Party
iterableMessageId	Session	Third Party
iterableTemplateId	Session	Third Party
iterableEndUserId	Session	Third Party
cto_bundle	Persistent	Third Party
^_gac_.*	Persistent	Third Party
SR\w+	Persistent	Third Party
_fbc	Persistent	Third Party
utm_source	Session	First Party
utm_medium	Session	First Party
utm_campaign	Session	First Party
_gcl_aw	Persistent	Third Party
cto_optout	Persistent	Third Party

Functionality cookies. These cookies enable helpful but non-essential website functions that improve your website experience. By recognizing you when you return to our website, they may, for example, allow us to personalize our content for you or remember your preferences.

Cookie	Session or Persistent	First or Third Party
_gcl_aw	Persistent	Third Party
cto_optout	Persistent	Third Party
iterableEmailCampaignId	Session	Third Party
iterableMessageId	Session	Third Party
iterableTemplateId	Session	Third Party
iterableEndUserId	Session	Third Party
cto_bundle	Persistent	Third Party

Advertising, tracking, or targeting cookies. These cookies enable different advertising related functions. They may allow us to record information about your visit to our website, such as pages visited, links followed, and videos viewed so we can make our website and the advertising displayed on it more relevant to your interests.

Cookie	Session or Persistent	First or Third Party
_fbp	Persistent	Third Party
_gcl_au	Persistent	Third Party
cto_tld_test	Persistent	Third Party
criteo_write_test	Persistent	Third Party
_rdt_uuid	Persistent	Third Party
_uetvid	Persistent	Third Party
_uetsid	Persistent	Third Party
^_gac_.*	Persistent	Third Party
SR\w+	Persistent	Third Party
_fbc	Persistent	Third Party
utm_source	Session	First Party
utm_medium	Session	First Party
utm_campaign	Session	First Party
_gcl_aw	Persistent	Third Party
cto_optout	Persistent	Third Party

Third party cookies. Our website may contain helpful but non-essential features or plug-ins enabling third party services that use cookies, such as social network connectors, maps, advertising networks, or web traffic analysis services. These cookies may enable visitor identification across websites and over time. We do not control the third party’s use of those cookies, their duration, or their ability to share information with other third parties. Please review each party’s cookie disclosure before consenting to this use category.

3. Managing cookies

You can manage your cookies (including the enabling or disabling of cookies) through your browser settings. However, if you use your browser settings to block all cookies (including cookies that are strictly necessary) you may not be able to access all or parts of our Services. Please also note that deleting browser cookies can remove your opt out preferences, so you may need to opt out again.
Each browser is different and as such we suggest that you check the ‘“Help’” menu on your particular browser (or your mobile phone’s handset manual) to learn how to change your cookie preference. You may also find more information on how to manage your cookies from third party websites as well as third party apps.

4. Online behavioral advertising

Third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we may not have any control.

Please note that we may partner with third parties to manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.

5. Changes to our cookie uses

We may amend this policy at our discretion at any time by posting a revised version on our website. If the changes materially alter how we use cookies, we will notify you by email, by notice on this site, or by other acceptable means. We will attempt to give a reasonable notice period upon making any material changes; however, unless otherwise stated, the revised version will be effective at the time we post it. Please check back frequently to see any updates or changes to our cookie use notice.

6. Contact information

Please submit any questions, comments, or requests regarding this policy to help@getflex.com

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Partner privacy notice

California, Minnesota, and Oregon Privacy Requests

Flexible Finance, Inc., together with its subsidiaries (“Flex”), is a financial technology company, not a bank. All loans, lines of credit (including "Flex Rent"), banking services, and payment transmissions are offered by Lead Bank or Column N.A., Member FDIC. An application and credit assessment are required. Unsecured lines of credit for Flex Rent are provided for a recurring monthly membership fee up to $14.99; membership automatically renews until canceled. A bill payment fee of 1% of your total rent amount is also charged (an additional 2.5% processing fee applies when using a credit card). Term loans for Flex Move-in are provided at 16.95%-23.84% annual percentage rate (APR) based on state of residence, loan duration, and other relevant factors. A bill payment fee of 1% of your initial payment amount is also charged. Term loans are currently only available to eligible customers in certain states. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your loan may be reported to one or more national credit bureaus. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank or Column N.A., Member FDIC; neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds. Brokering activities are performed by Flexible Finance Brokering, Inc. Servicing and collection activities are performed by Flexible Finance Servicing, Inc.

Column, N.A. only supports Flex Rent at this time. 

Licenses Flexible Finance Brokering, Inc., Nationwide Multistate Licensing System (“NMLS”) ID #2599800 Flexible Finance Servicing, Inc., NMLS ID #2256673 Please refer to NMLS Consumer Access for information on our licenses
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Vermont Residents: THIS IS A LOAN SOLICITATION ONLY. FLEXIBLE FINANCE BROKERING, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

All product names, logos, brands, and trademarks are the property of their respective owners. Use of these names, logos, and brands does not imply endorsement.