Important Disclosures

Information about our services, fees, and practices

Platform Services Disclaimer

FlowLend is a software platform that provides tools for managing lending operations. We do not provide loans directly, financial advice, or act as a financial institution. Users are responsible for ensuring their lending practices comply with all applicable laws and regulations in their jurisdiction.

Membership & Subscription Services

FlowLend operates on a membership/subscription model. Fees charged are for platform access and software services, not lending services.

Fee Structure

Platform Access Fee: Monthly or annual subscription for software access
Transaction Fees: Fees for payment processing (if applicable)
Service Fees: Optional add-on services and integrations

All fees are clearly disclosed before any transaction. You will not be charged any hidden fees. Fees are separate from any lending activities you conduct using the platform.

Lending Circles (ROSCA) Disclosure

FlowLend provides tools to manage Rotating Savings and Credit Associations (ROSCAs), also known as lending circles. Important disclosures:

Draw Order: The payout order is generated randomly and locked before the circle begins. Once locked, the order cannot be changed except by authorized administrators with full audit logging.
No Guarantee: We do not guarantee that all members will make their contributions. Circle organizers are responsible for member selection and collection enforcement.
Platform Role: FlowLend only provides the software tools. We do not manage, fund, or guarantee any lending circle.

Payment Recording Disclosure

FlowLend allows users to record payments received through various methods:

Supported Payment Methods

Cash: Manual recording of physical cash payments
Zelle: Manual recording with verification
Cash App: Manual recording with verification
Bank Transfer: Manual recording with reference
Card (Stripe): Online payment processing

For manually recorded payments (cash, Zelle, Cash App, bank transfer), FlowLend records the information provided by the user. We do not verify or guarantee the accuracy of manually entered payment information. Users are responsible for maintaining accurate records and obtaining proper documentation.

Risk Disclosure

Lending activities involve financial risk. Users should be aware:

Borrowers may default on loans, resulting in financial loss
Lending circle members may fail to make contributions
Market conditions and regulations may change
Past performance does not guarantee future results

We recommend consulting with a licensed financial advisor and legal professional before engaging in lending activities.

Regulatory Notice

FlowLend is a software service provider. We are not:

A bank or credit union
A licensed lender
A money transmitter
A financial advisor

Users are responsible for obtaining any necessary licenses and ensuring compliance with all applicable federal, state, and local laws and regulations for their lending activities.

Questions about these disclosures?