Effective Date: March 9, 2026
Last Updated: March 9, 2026
IMPORTANT — READ CAREFULLY BEFORE USING FLINT
THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 16. IT AFFECTS YOUR LEGAL RIGHTS. PLEASE READ IT IN FULL.
FLINT IS NOT A REGISTERED BROKER-DEALER, INVESTMENT ADVISER, OR CUSTODIAN. FLINT DOES NOT PROVIDE INVESTMENT ADVICE. ALL INVESTMENT DECISIONS ARE YOURS ALONE. INVESTING INVOLVES RISK, INCLUDING THE POSSIBLE LOSS OF ALL INVESTED CAPITAL.
These Terms of Service ("Agreement" or "Terms") are a legally binding contract between you ("you," "your," or "User") and Flint Tech Inc. ("Flint," "we," "us," or "our"), a Delaware corporation. They govern your access to and use of the Flint platform, including our website at flint-investing.com, our mobile and desktop applications, and all related services (collectively, the "Service").
By creating an account, clicking "I Agree," or using the Service in any way, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy (available at flint-investing.com/privacy), and any additional terms incorporated by reference herein.
If you do not agree to these Terms, do not create an account or use the Service.
We may update these Terms at any time. We will notify you by email and in-app notification at least thirty (30) days before any material changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service and close your account before the effective date.
To use the Service, you must:
By using the Service, you represent and warrant that you meet all of the above requirements at all times. We reserve the right to verify your eligibility and may suspend or terminate your access if we determine, in our sole discretion, that you do not qualify.
Flint is a financial technology platform that provides: (a) aggregated portfolio views across multiple connected brokerage accounts, cryptocurrency exchange accounts, and digital wallets; (b) trade execution infrastructure that transmits your instructions to your connected accounts via third-party APIs; and (c) an AI-powered natural language interface for composing and submitting trade instructions. Flint is software — a middleware and execution infrastructure layer that acts on your explicit direction.
Flint is not registered as a broker-dealer with the U.S. Securities and Exchange Commission ("SEC") under Section 15(a)(1) of the Securities Exchange Act of 1934 (15 U.S.C. §78o(a)(1)) and is not a member of the Financial Industry Regulatory Authority ("FINRA") or the Securities Investor Protection Corporation ("SIPC"). Flint does not "effect transactions in securities for the account of others" within the meaning of Section 3(a)(4) of the Exchange Act (15 U.S.C. §78c(a)(4)), does not make markets in securities, and does not participate in trade negotiation or settlement. All trade instructions are initiated solely by you and are transmitted to your registered broker-dealer(s) or exchange(s) for execution. Flint does not hold or clear any securities position.
Flint is not registered as an investment adviser with the SEC or any state securities regulator under Section 203 of the Investment Advisers Act of 1940 (15 U.S.C. §80b-3). Flint is not subject to Regulation Best Interest (17 CFR §240.15l-1), does not owe you a fiduciary duty, and does not provide investment advice, financial advice, tax advice, legal advice, recommendations, or opinions regarding the suitability or advisability of any security, digital asset, strategy, or transaction. Any data, analytics, portfolio metrics, performance calculations, or informational content provided through the Service is for informational and technological purposes only and does not constitute a recommendation or solicitation to buy, sell, or hold any financial instrument.
Flint does not hold, custody, control, or have access to your funds, securities, cryptocurrencies, or other assets at any time. All assets remain in accounts held directly by you at your brokerage firm(s), exchange(s), financial institution(s), or self-custodial wallet(s). Flint's services are not protected by SIPC, FDIC, or any other government or private insurance program.
Flint does not transfer, transmit, or hold money or monetary value on your behalf. All fund movements occur solely between your own accounts at your brokerage firms, exchanges, and financial institutions. Flint does not take custody of any assets at any point.
Flint charges a flat monthly subscription fee solely for access to its software and technology services. This fee is not a commission, advisory fee, or transaction-based charge. It does not vary based on the number, size, type, direction, or outcome of any trades or investment decisions you make.
To use the Service, you must create an account by providing accurate, current, and complete information as requested, including your legal name, email address, and any other information we may require. You agree to promptly update your account information to keep it accurate.
You are solely responsible for maintaining the confidentiality of your account credentials. You agree to: (a) create a strong, unique password; (b) enable multi-factor authentication when offered; (c) never share your credentials with any third party; and (d) notify us immediately at support@flint-investing.com if you suspect any unauthorized access to your account. Flint is not liable for any losses caused by unauthorized use of your account resulting from your failure to safeguard your credentials.
The Service allows you to connect third-party brokerage accounts, cryptocurrency exchange accounts, and digital wallet addresses ("Connected Accounts"). By connecting an account, you represent and warrant that: (a) you are the authorized owner or legal user of that account; (b) you have full authority to connect it to Flint and authorize Flint to transmit instructions on your behalf; (c) doing so does not violate the terms of service of the third-party provider; and (d) you will maintain the security of your Connected Account credentials at all times.
You grant Flint and its third-party service providers the right to access your Connected Accounts solely to: (i) retrieve account data including holdings, balances, and transaction history; and (ii) transmit trade instructions that you initiate through the Service. This authorization does not grant Flint any discretionary control over your accounts. All instructions must be initiated and confirmed by you.
You may revoke a Connected Account at any time through your Account Settings. Revocation may take up to 24 hours to fully propagate to third-party infrastructure.
All trades executed through Flint are initiated solely by you. Flint transmits your instructions to your Connected Accounts via third-party API infrastructure. Flint exercises no discretion over your investment decisions, trade routing, order type, venue selection, or order parameters. You are solely responsible for every trade instruction you submit — including the security or asset, quantity, order type, and timing.
Flint does not guarantee trade execution, execution price, execution timing, or order fulfillment. Market conditions, brokerage or exchange system limitations, API availability, network congestion, third-party outages, and other factors outside Flint's control may affect whether and how your orders are executed. Orders may be partially filled, rejected, delayed, or cancelled by your brokerage or exchange for any reason without notice to Flint.
Flint is not responsible for:
Trade confirmations are issued solely by your registered broker-dealer or exchange. Flint's records of transmitted instructions do not constitute official confirmations. You are responsible for verifying all executed trades against your brokerage or exchange records. Any discrepancy must be reported to your broker-dealer or exchange directly and to Flint at support@flint-investing.com within 24 hours.
Flint relies on third-party broker-dealer API infrastructure, data providers, and technology services (collectively, "Service Providers") to deliver the Service. Flint does not control, endorse, or guarantee the performance, availability, accuracy, or reliability of any Service Provider. Flint shall have no liability for any act, omission, error, delay, interruption, insolvency, or failure of any Service Provider, regardless of cause. The identity of Flint's Service Providers constitutes proprietary business information. Flint does not disclose the names of its Service Providers within these Terms or publicly. Users who require disclosure of Service Provider identities for compliance or due diligence purposes may contact support@flint-investing.com to inquire about applicable confidentiality arrangements.
Flint provides an artificial intelligence natural language processing interface ("AI Features") that interprets your text or voice instructions and converts them into trade orders for transmission to your Connected Accounts. AI Features use large language models and machine learning technologies to interpret your intent and generate proposed order parameters.
Artificial intelligence is not perfect. AI Features may misunderstand, misinterpret, or incorrectly process your instructions. You acknowledge and agree that:
Before any AI-interpreted trade instruction is submitted for execution, Flint will display a confirmation screen showing the AI's interpretation of your instruction, including the specific security or asset, order type, quantity, and applicable parameters. You must affirmatively confirm this screen before the instruction is transmitted. By confirming, you accept full responsibility for the resulting transaction regardless of any AI error or misinterpretation. It is your sole obligation to verify that the AI's interpretation matches your actual intent.
AI-generated outputs, summaries, responses, and suggestions do not constitute investment advice, recommendations, or suitability determinations under the Investment Advisers Act of 1940, Regulation Best Interest, or any other applicable law. AI Features are an execution tool. They are not a financial adviser, analyst, portfolio manager, or strategist. No AI-generated output should be relied upon as the basis for an investment decision without your own independent analysis.
Flint shall have no liability for any losses, costs, or damages arising from AI errors or outputs, including misinterpretation of instructions, execution of trades inconsistent with your intent, AI-generated inaccuracies, hallucinations, or any reliance on AI-generated content. Use of AI Features is entirely at your own risk. You acknowledge that you have an independent obligation to review, verify, and confirm all AI-generated outputs before execution.
Flint aggregates portfolio data from your Connected Accounts using third-party data aggregation services, direct API connections, and public blockchain data. Data is pulled from sources connected by you and may be subject to the data availability and limitations of those sources.
Account data, balances, holdings, transaction history, performance calculations, and other information displayed through the Service is aggregated from third-party sources and may not reflect real-time information. Data may be delayed, incomplete, stale, or inaccurate due to factors outside Flint's control, including: connectivity issues; synchronization delays; temporary outages; source-imposed restrictions; errors in data transmission; and differences in how institutions categorize or report data.
The information displayed through Flint does not constitute an official record of your accounts. You should independently verify all data directly with your brokerage firm, exchange, or wallet provider before making any transactional or investment decision. Flint is not liable for any loss arising from inaccurate, delayed, or incomplete aggregated data.
Portfolio analytics, performance metrics, allocation breakdowns, and calculations displayed through the Service are for informational purposes only. They may use methodologies that differ from those used by your financial institutions. They do not constitute investment advice or professional analysis. Consult a qualified financial adviser before making decisions based on any information displayed through the Service.
Investing in securities, digital assets, and other financial instruments involves substantial risk, including the possible loss of all invested capital. Past performance is not indicative of future results. The value of investments can decrease as well as increase. You should not invest money you cannot afford to lose.
You are solely responsible for evaluating the merits, risks, and suitability of each investment decision. Flint does not assess the suitability of any trade, strategy, or investment for your particular financial situation, objectives, or risk tolerance. You should consider consulting a qualified financial adviser, tax professional, or attorney before making investment decisions.
If you connect cryptocurrency exchange accounts or digital wallet addresses, you acknowledge and accept the following:
No Government Insurance. Cryptocurrency and digital assets are NOT insured by the FDIC, SIPC, or any other government or private insurance scheme. There is no safety net for losses of digital assets.
Extreme Volatility. Digital asset values can fluctuate dramatically, often by large percentages within a single day or hour. Cryptocurrency is a highly speculative asset class. You may experience total loss of your investment.
Regulatory Uncertainty. The regulatory environment for digital assets is rapidly evolving. Changes in law, regulation, or enforcement may adversely affect the use, legality, transferability, or value of any digital asset. Certain digital assets may be classified as securities, which could materially restrict their trading or value.
Protocol Risks. Flint does not own or control the underlying blockchain protocols governing any digital asset. These protocols may be subject to sudden rule changes, hard forks, consensus mechanism changes, or software vulnerabilities. Flint disclaims all liability relating to underlying protocols.
Irreversibility. Blockchain transactions are generally irreversible once confirmed. Errors in wallet addresses, transaction amounts, or network selection may result in permanent, unrecoverable loss of assets.
When you connect centralized exchange accounts, your digital assets are held by that exchange, subject to the exchange's own terms, operational risks, and regulatory exposure. These risks include, but are not limited to, exchange insolvency, security breaches, frozen withdrawals, and regulatory enforcement actions. Flint is not responsible for the actions, omissions, solvency, or security practices of any connected exchange.
When you connect self-custodial wallets, you alone are responsible for the security of your private keys and seed phrases. Loss of your private keys or seed phrase will result in permanent, irrecoverable loss of your digital assets. Flint has no access to your private keys and cannot recover lost assets under any circumstances. You acknowledge all risks associated with interacting with smart contracts, decentralized protocols, and unaudited or unverified code. Flint disclaims all liability for losses resulting from smart contract vulnerabilities, exploits, or interactions with decentralized applications.
Cryptocurrency transactions may have significant tax consequences. You are solely responsible for determining and fulfilling all tax reporting and payment obligations related to digital asset activity. Flint does not provide tax advice and does not report your transactions to tax authorities on your behalf, except as required by law. Consult a qualified tax professional for guidance.
Flint currently offers the following paid subscription plans:
Current plan features and pricing are available at flint-investing.com/pricing. Feature availability may change over time with notice.
The Free Plan is no longer offered to new accounts created on or after April 16, 2026. Existing users who were on the Free Plan before that date retain access to its features as previously described, subject to the same feature limitations. Flint reserves the right to modify or discontinue legacy Free Plan features at any time with thirty (30) days' notice. The legacy Free Plan does not include trade execution capabilities unless otherwise specified.
YOUR PAID SUBSCRIPTION AUTOMATICALLY RENEWS AT THE END OF EACH MONTHLY BILLING PERIOD AT THE THEN-CURRENT RATE — BASIC: $19.99/MONTH; PRO: $39.99/MONTH — PLUS APPLICABLE TAXES, UNTIL YOU CANCEL.
By subscribing, you authorize Flint to charge your payment method on a recurring monthly basis. Subscription fees are billed in advance at the start of each billing cycle.
If your payment method is declined, we may retry the charge or suspend your access to paid features until payment is resolved.
Cancel at any time through your Account Settings at flint-investing.com/settings or the Flint mobile app. Cancellation takes effect at the end of your current paid billing period. You retain access to paid features through the end of that period. After cancellation, paid features are no longer available; users grandfathered onto the legacy Free Plan revert to that plan, while all other accounts are deactivated until a new paid plan is selected. No fees are charged after cancellation takes effect.
We will provide at least thirty (30) days' advance notice before any subscription price increase takes effect, delivered via email and in-app notification. If you do not agree to the new price, cancel your subscription before the effective date. Continued use of a Paid Plan after a price change constitutes acceptance of the new pricing.
Subscription fees are non-refundable. There are no refunds or credits for partial months, unused periods, or periods where you did not use the Service.
All payments are processed by a PCI-DSS compliant third-party payment processor. Flint does not store your full payment card information. You are responsible for maintaining accurate and current payment information in your Account Settings.
Subscription fees are exclusive of applicable taxes. You are responsible for all applicable sales, use, value-added, or similar taxes imposed by any government authority in connection with your subscription.
We will send you an annual notice confirming your active subscription, the current charge amount and billing frequency, and instructions on how to cancel.
The Service depends on third-party broker-dealer connectivity services, data aggregation providers, cryptocurrency exchange APIs, blockchain infrastructure, AI model providers, payment processors, and cloud hosting providers (collectively, "Service Providers"). Flint does not own, operate, or control any Service Provider.
Flint is not responsible for the availability, accuracy, security, performance, or conduct of any Service Provider. Service Providers may experience outages, errors, delays, data inaccuracies, security incidents, or discontinuation at any time without notice. Flint does not endorse, warrant, or guarantee any Service Provider, and your use of the Service is subject to any limitations those providers impose. Flint shall have no liability for any loss, damage, or cost arising from any act, omission, error, insolvency, or failure of any Service Provider, regardless of cause.
The identity of Flint's Service Providers constitutes confidential and proprietary business information. Flint does not disclose the names of its Service Providers in these Terms or elsewhere publicly. Users or institutional partners seeking disclosure for compliance or diligence purposes may contact support@flint-investing.com to inquire about applicable confidentiality arrangements.
The Service may be temporarily unavailable due to maintenance, outages, third-party disruptions, or causes beyond Flint's control. Flint shall not be liable for losses arising from service interruptions, including missed trading opportunities or delayed executions.
Our collection, use, and disclosure of your information is governed by our Privacy Policy at flint-investing.com/privacy, incorporated into these Terms by reference.
By using the Service, you consent to Flint and its Service Providers accessing, retrieving, transmitting, and processing your financial account data — including balances, holdings, transactions, and account identifiers — solely for the purpose of providing the Service.
Flint maintains administrative, technical, and physical safeguards designed to protect the security and confidentiality of your information, including encryption of data in transit and at rest, access controls, multi-factor authentication, and incident response procedures. No system is completely secure, and Flint cannot guarantee absolute security.
Flint does not directly store your brokerage or exchange login credentials. Authentication is handled through industry-standard OAuth-based tokenization and secure API protocols via Flint's Service Providers.
Flint may create aggregated, de-identified, or anonymized datasets from Service usage data. Flint may use such data for analytics, research, and service improvement, provided it cannot reasonably be used to identify you individually.
Flint collects and processes nonpublic personal financial information as defined under the Gramm-Leach-Bliley Act ("GLBA"). Our privacy practices comply with GLBA requirements. We do not sell your nonpublic personal information to third parties for their independent marketing purposes.
California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) as described in our Privacy Policy.
You agree to use the Service only for lawful purposes in accordance with these Terms. You shall not:
By using the Service, you represent and warrant that: (a) all information you provide is accurate and complete; (b) you are the authorized owner of all Connected Accounts; (c) all trade instructions reflect your genuine investment intentions; (d) you understand the risks of investing in securities and digital assets; and (e) no investment decision you make is based on advice from Flint.
The Service and all of its components — including software, algorithms, AI models, interface designs, graphics, trademarks, and content — are the property of Flint or its licensors and are protected by applicable intellectual property law. All rights not expressly granted herein are reserved.
Subject to your compliance with these Terms, Flint grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial investment management. This license does not include the right to copy, modify, distribute, sublicense, publicly display, or create derivative works from any part of the Service.
If you submit suggestions or feedback about the Service, you grant Flint a perpetual, irrevocable, worldwide, royalty-free license to use, incorporate, and commercialize such feedback without obligation to you.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. FLINT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, AND TIMELINESS.
FLINT DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; (B) DATA WILL BE ACCURATE OR CURRENT; (C) TRADE INSTRUCTIONS WILL EXECUTE CORRECTLY, TIMELY, OR AT ALL; (D) AI FEATURES WILL CORRECTLY INTERPRET YOUR INSTRUCTIONS; OR (E) ANY DEFECT WILL BE CORRECTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FLINT'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE — REGARDLESS OF THEORY OF LIABILITY — SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES YOU PAID TO FLINT DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR (B) ONE HUNDRED DOLLARS ($100.00).
IN NO EVENT SHALL FLINT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: LOST PROFITS OR REVENUE; INVESTMENT OR TRADING LOSSES; LOSS OF DATA OR BUSINESS OPPORTUNITIES; LOSSES RESULTING FROM THIRD-PARTY SERVICE PROVIDER FAILURES; LOSSES ARISING FROM AI ERRORS, HALLUCINATIONS, OR MISINTERPRETATIONS; OR BUSINESS INTERRUPTION — REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF FLINT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Some jurisdictions do not permit the exclusion of certain warranties or limitation of certain damages. In such jurisdictions, Flint's liability is limited to the maximum extent permitted by law. Nothing in these Terms limits liability that cannot be excluded under applicable law, including liability for fraud or willful misconduct.
This Section governs all disputes between you and Flint arising out of or relating to these Terms, the Service, or any other agreement between you and Flint, regardless of when entered. No other agreement between you and Flint — including any supplementary terms, promotional rules, or referral terms — shall modify or override this Section unless that document expressly amends it by name and section number. This provision is intended to eliminate any conflict of the kind addressed in Coinbase, Inc. v. Suski, 602 U.S. 143 (2024).
Before initiating any formal dispute proceeding, you agree to contact Flint at support@flint-investing.com and make a good-faith effort to resolve the dispute informally for at least sixty (60) days. Your notice must include your name, account email, a description of the dispute, and the relief you seek. Most disputes can be resolved without formal proceedings.
IF INFORMAL RESOLUTION FAILS, YOU AND FLINT AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE — INCLUDING QUESTIONS ABOUT THEIR FORMATION, INTERPRETATION, BREACH, OR ENFORCEABILITY — SHALL BE RESOLVED EXCLUSIVELY BY BINDING, INDIVIDUAL ARBITRATION
administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules in effect at the time of filing. The Federal Arbitration Act, 9 U.S.C. §§1-16, governs the interpretation and enforcement of this Section. Where the FAA applies, it preempts any contrary state law.
The arbitration shall be conducted by a single arbitrator. If the claimed amount is $25,000 or less, the arbitration may proceed by document submission unless either party requests a hearing. Hearings, if any, shall take place in the county where you reside or, at your election, by telephone or videoconference.
The arbitrator — not any court — has exclusive authority to resolve all disputes regarding the interpretation, applicability, enforceability, and formation of this arbitration agreement, including any claim that all or any part of it is void or voidable. The sole exception is disputes about the class action waiver in Section 16.5, which a court of competent jurisdiction shall resolve.
YOU AND FLINT EACH WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE ARBITRATION. YOU AND FLINT EACH WAIVE THE RIGHT TO A JURY TRIAL.
If this class action waiver is found unenforceable with respect to any claim, that claim shall be severed and proceed in a court of competent jurisdiction; the remainder of this arbitration agreement shall continue in full force.
This arbitration agreement does not apply to: (a) claims brought in small claims court on an individual basis where the claim remains within that court's jurisdiction; or (b) claims for emergency injunctive or equitable relief to protect intellectual property rights.
For claims up to $10,000, Flint will pay all AAA filing, administration, and arbitrator fees. For claims exceeding $10,000, fees are allocated as provided under AAA Consumer Arbitration Rules. Each party bears its own attorneys' fees unless the arbitrator determines applicable law requires otherwise.
You may opt out of this arbitration agreement by sending written notice to support@flint-investing.com within thirty (30) days of first creating your Flint account. Your notice must include your name, the email address on your account, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms.
If twenty-five (25) or more substantially similar arbitration demands are filed against Flint within a ninety (90) day period ("Mass Arbitration"), the following procedures apply:
This Section survives termination of your account and these Terms.
You agree to indemnify, defend, and hold harmless Flint, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of or inability to use the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any trade instructions you submit; (e) your Connected Account activity; (f) any dispute between you and a third-party brokerage, exchange, or service provider; or (g) any misrepresentation made by you.
This indemnification obligation does not require you to indemnify Flint for losses caused solely by Flint's own fraud, gross negligence, or willful misconduct.
You may close your account at any time through your Account Settings at flint-investing.com/settings or by contacting support@flint-investing.com. Upon closure, your subscription is cancelled, your Connected Accounts are disconnected, and your access to the Service terminates. Certain data may be retained as required by law or our Privacy Policy.
Flint may suspend or terminate your account at any time, with or without cause, in our sole discretion, including but not limited to: (a) violation of these Terms; (b) suspected fraudulent, abusive, or illegal activity; (c) non-payment of subscription fees; (d) failure to meet or maintain eligibility requirements; (e) request by a law enforcement or regulatory authority; or (f) business discontinuation of the Service. We will provide reasonable advance notice except where prohibited by law or where immediate action is necessary to protect Flint, its users, or third parties.
Upon termination: (a) your license to use the Service terminates immediately; (b) all Connected Accounts are disconnected; (c) any pending trade instructions not yet transmitted are cancelled; (d) you remain responsible for all trades transmitted prior to termination; and (e) the following Sections survive termination: 3, 5.3, 6.5, 7.2, 8, 9, 11.2, 14, 15, 16, 17, and 20.
Flint may offer a referral program ("Referral Program") allowing eligible users to earn rewards by referring new users. Participation is subject to these Terms and any additional Referral Program terms posted at flint-investing.com/referrals.
Referral rewards consist of account credits, subscription discounts, or cash payouts as specified in Referral Program terms. Rewards are a flat rate per qualifying referral and are not based on a referred user's investment amounts, trading activity, or transaction volume. Flint may modify or discontinue the Referral Program at any time with notice.
To earn a reward:
When sharing your referral link, you must clearly disclose that you will receive a reward if the referred user creates an account. You must comply with all applicable laws, including FTC Endorsement Guidelines (16 CFR Part 255), the CAN-SPAM Act, and state marketing laws. You must not make misleading claims about Flint, its performance, or potential investment returns.
You shall not:
Referral rewards may constitute taxable income. If you earn $600 or more in rewards in a calendar year, Flint may issue an IRS Form 1099-MISC and report to the IRS. You agree to provide any tax information Flint reasonably requests, including IRS Form W-9.
The Service is currently available only to legal residents of the United States. By using the Service, you represent and warrant that you are a U.S. resident accessing the Service from within the United States.
The Service is not available to persons located in, organized in, or resident of any jurisdiction subject to comprehensive U.S. economic sanctions, including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine. The Service is not available to persons listed on OFAC's Specially Designated Nationals and Blocked Persons List or any other applicable U.S. government sanctions list.
Certain features may not be available in all U.S. states due to applicable regulations. Flint will notify you if specific features are unavailable in your state.
You agree not to use VPNs, proxy services, or any other technology to circumvent geographic restrictions or misrepresent your location. Violation of this provision is grounds for immediate account termination.
Flint screens users against applicable sanctions lists at account creation and on an ongoing basis. Flint may block, suspend, or terminate accounts and may report activity to relevant authorities as required by U.S. sanctions law. You agree to cooperate with any identity verification or sanctions-screening procedures Flint may require.
Flint may expand availability to additional jurisdictions in the future. Any expansion will comply with applicable local laws, will be announced on our website, and may be subject to jurisdiction-specific supplemental terms. Do not create or use an account unless the Service has been made expressly available in your jurisdiction.
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, except to the extent preempted by federal law, including the Federal Arbitration Act. For any claims not subject to arbitration under Section 16, you and Flint consent to the exclusive jurisdiction and venue of the federal and state courts located in Delaware.
These Terms, together with our Privacy Policy and any Referral Program terms expressly incorporated herein, constitute the entire agreement between you and Flint regarding the Service and supersede all prior and contemporaneous agreements, whether written or oral.
If any provision of these Terms is held invalid or unenforceable, it shall be modified to the minimum extent necessary to make it valid, or if modification is not possible, severed. The remaining provisions continue in full force.
Flint's failure to enforce any provision of these Terms is not a waiver of that provision. Any waiver must be in writing and signed by Flint.
You may not assign or transfer these Terms or any rights hereunder without Flint's prior written consent. Flint may freely assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets. Any unauthorized assignment is void.
Flint shall not be liable for delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemics, government actions, war, terrorism, cyberattacks, Internet or telecommunications failures, power outages, third-party service failures, or market-wide trading halts.
Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship. Flint is an independent contractor providing technology services.
By creating a Flint account, you consent to receive electronic communications from Flint, including legal notices, billing notifications, and service updates. In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. §7001 et seq.), you agree that electronic agreements, notices, and disclosures satisfy any legal requirement that they be in writing.
Notices from Flint to you will be delivered by email to the address on your account, by in-app notification, or by posting on the Service. Notices to Flint must be sent to support@flint-investing.com. Notices are deemed received when delivered electronically or three (3) business days after mailing.
Under California Civil Code §1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
These Terms do not create third-party beneficiary rights for any person or entity, except that Flint's Service Providers are intended third-party beneficiaries of the disclaimers and liability limitations in Sections 5, 11, and 15 as they apply to those providers.
For all questions, support requests, and legal notices:
Flint Tech Inc.
Email: support@flint-investing.com
Website: flint-investing.com
By using Flint, you confirm that you have read and agree to these Terms in their entirety.