Welcome to Revolver Now. These Terms of Service (“Terms”) govern your access to and use of the Revolver Now platform, website, and services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

Please read these Terms carefully, including all disclaimers and limitations of liability. These Terms contain important information about your legal rights and obligations.

1. DEFINITIONS

“Revolver Now,” “we,” “us,” or “our” refers to Flexxbuy LLC, Coach Financing,  Byzly and Revolver Now and its affiliates, subsidiaries, officers, directors, employees, and agents.

“User,” “you,” or “your” refers to any individual who accesses or uses the Service.

“Service” refers to the Revolver Now platform, including the credit card pre-screening, matching, and application facilitation services.

“Card Issuer” refers to any bank, financial institution, or credit card company that issues credit cards presented through the Service.

“Pre-Screen” or “Pre-Qualification” refers to the preliminary credit assessment performed through a soft credit inquiry to determine potential credit card matches.

“Instant Access” refers to the ability to receive and use a virtual credit card number immediately or shortly after credit card approval, before receiving a physical card.

2. DESCRIPTION OF SERVICE

Revolver Now provides a technology platform that uses artificial intelligence to match users with credit card products based on their credit profiles. The Service facilitates the pre-screening process and provides recommendations for credit cards that may be suitable for each user.

IMPORTANT: Revolver Now is not a lender, bank, or credit card issuer. We do not make credit decisions, extend credit, or guarantee any credit card approval or terms. All credit decisions are made solely by the applicable Card Issuers in their sole discretion.

3. ELIGIBILITY AND INTENDED USE

3.1 Age and Legal Capacity

You must be at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into binding contracts to use the Service.

3.2 Personal vs. Business Use

The Service offers credit card options for both personal and business purposes. You are responsible for selecting credit card products that are appropriate for your intended use:

(a) Personal Credit Cards: Designed for individual consumer use, including personal purchases, household expenses, and personal travel.

(b) Business Credit Cards: Designed for business-related expenses. Applying for a business credit card may require a valid business entity, Tax Identification Number (TIN) or Employer Identification Number (EIN), and other business documentation as required by the Card Issuer.

You represent and warrant that you will use any credit card obtained through the Service only for the purposes permitted under that card’s terms and conditions. Misrepresenting the intended use of a credit card may constitute fraud and result in account closure, legal action, or both.

4. CREDIT INQUIRIES AND CREDIT REPORTING

4.1 Soft Credit Inquiries (Pre-Screen)

When you use the Service to obtain pre-qualified credit card recommendations, we perform a soft credit inquiry (also known as a “soft pull”). A soft credit inquiry does not affect your credit score and is not visible to other creditors. Soft inquiries may be visible to you on your personal credit report.

4.2 Hard Credit Inquiries (Application)

IMPORTANT: If you choose to apply for a credit card through the Service, the Card Issuer will perform a hard credit inquiry (also known as a “hard pull”) as part of their standard application and underwriting process. Hard credit inquiries may negatively affect your credit score and will be visible to other creditors. Multiple hard inquiries within a short period may have a more significant negative impact on your credit score.

4.3 Multiple Applications

If you apply for multiple credit cards, each application will result in a separate hard credit inquiry from that Card Issuer. You should carefully consider the potential impact on your credit score before submitting multiple applications.

5. CREDIT FREEZE AND CREDIT LOCK DISCLOSURE

5.1 Credit Freeze

A credit freeze (also known as a security freeze) restricts access to your credit report. If you have a credit freeze in place with any of the three major credit bureaus (Equifax, Experian, or TransUnion), please be aware of the following:

(a) Pre-Screen: To obtain pre-qualified recommendations through our Service, you must temporarily lift (unfreeze) your credit freeze with the credit bureau we use for pre-qualification purposes. We will notify you which bureau is used during the pre-screen process.

(b) Application: If you proceed to apply for a credit card, you may need to temporarily lift your credit freeze with ALL THREE major credit bureaus (Equifax, Experian, and TransUnion), as different Card Issuers may pull credit reports from different bureaus. Failure to lift applicable freezes may result in your application being denied.

5.2 Credit Lock

A credit lock is similar to a credit freeze but is typically managed through a credit bureau’s app or online portal and may be unlocked more quickly. If you have a credit lock in place, the same requirements apply: you must unlock your credit file with the applicable bureau(s) before pre-screening and/or applying for credit cards. Please check with each credit bureau regarding their specific procedures for unlocking your credit file.

You are solely responsible for managing your credit freeze or credit lock settings. Revolver Now is not responsible for application denials resulting from frozen or locked credit files.

6. NO GUARANTEE OF APPROVAL

CREDIT CARD APPROVAL IS NOT GUARANTEED. Pre-qualification or pre-screening through the Service does not guarantee that you will be approved for any credit card. Pre-qualification indicates that, based on preliminary information, you may meet certain criteria for a credit card product; however, the Card Issuer’s final decision is based on a complete review of your credit application, credit history, income verification, and other factors determined solely by the Card Issuer.

Factors that may result in denial of a credit card application include, but are not limited to:

• Insufficient credit history or credit score
• Income or employment verification issues
• Existing relationship (or lack thereof) with the Card Issuer
• Recent credit inquiries or new account openings
• Outstanding derogatory marks, collections, or bankruptcies
• Card Issuer’s internal underwriting criteria and risk assessment
• Fraud prevention measures or identity verification failures

7. NO GUARANTEE OF CREDIT LIMIT

CREDIT LIMIT AMOUNTS ARE NOT GUARANTEED. The credit limit you receive upon approval is determined solely by the Card Issuer based on their assessment of your creditworthiness, income, existing debt obligations, and other proprietary factors. Any credit limit estimates, ranges, or examples provided through the Service are for illustrative purposes only and do not constitute a promise, guarantee, or commitment regarding the credit limit you will receive.

Credit limits may be higher or lower than anticipated and may be adjusted by the Card Issuer at any time after account opening, in accordance with the credit card agreement and applicable law.

8. CREDIT CARD TERMS SUBJECT TO CHANGE

CREDIT CARD TERMS, CONDITIONS, RATES, AND FEES ARE SUBJECT TO CHANGE. The credit card information displayed through the Service, including but not limited to annual percentage rates (APRs), annual fees, rewards programs, introductory offers, and other terms, is provided for informational purposes and is subject to change at any time by the Card Issuer without notice to Revolver Now.

Before applying for any credit card, you should verify the current terms and conditions directly with the Card Issuer. The terms you receive upon approval will be governed by the credit card agreement provided by the Card Issuer, which may differ from the information displayed on our Service. Always review the complete terms and conditions provided by the Card Issuer before accepting any credit card offer.

9. INSTANT ACCESS DISCLAIMERS

9.1 No Guarantee of Instant Access

INSTANT ACCESS TO A CREDIT CARD NUMBER IS NOT GUARANTEED. While Revolver Now recommends credit cards that typically offer instant or virtual card numbers upon approval, whether you receive instant access depends on factors determined by the Card Issuer, including identity verification, fraud prevention protocols, application timing, and system availability. Some approved applicants may be required to wait for their physical card to arrive before using their account.

9.2 Additional App or Software Requirements

INSTANT ACCESS MAY REQUIRE DOWNLOADING ADDITIONAL APPLICATIONS. To access your virtual card number or add your card to a digital wallet, you may be required to download and install the Card Issuer’s mobile application or other software. This may include, but is not limited to, banking apps, digital wallet apps (such as Apple Wallet or Google Wallet), or Card Issuer-specific applications. You are responsible for ensuring your device is compatible with any required applications and for completing any additional verification steps required by the Card Issuer.

9.3 Spending Limits Before Physical Card Activation

YOUR AVAILABLE SPENDING LIMIT MAY BE RESTRICTED UNTIL YOU RECEIVE AND ACTIVATE YOUR PHYSICAL CARD. Even if you receive instant access to a virtual card number, some Card Issuers impose temporary spending restrictions until you activate your physical card. These restrictions are determined by the Card Issuer and may include:

• A reduced spending limit (for example, you may only be able to access a portion of your approved credit limit, such as $300 of a $1,000 limit)
• Restrictions on the types of purchases allowed
• Limitations on where the virtual card can be used (for example, some co-branded cards may only be usable at the partner merchant initially)
• Transaction amount limits per purchase

You should verify any spending restrictions directly with the Card Issuer before relying on instant access for a specific purchase. Revolver Now is not responsible for any inconvenience or inability to complete a transaction due to Card Issuer-imposed spending restrictions.

10. USER RESPONSIBILITIES AND REPRESENTATIONS

By using the Service, you represent and warrant that:

(a) All information you provide is true, accurate, complete, and current;

(b) You are providing information about yourself and not impersonating another person;

(c) You have the authority to provide any business information submitted;

(d) You will use any credit cards obtained through the Service in accordance with applicable laws and the Card Issuer’s terms and conditions;

(e) You understand and accept the risks associated with credit inquiries, credit card applications, and the use of credit generally.

11. PRIVACY AND DATA USE

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

You acknowledge that in order to provide the Service, we must share certain personal and financial information with credit bureaus, Card Issuers, and other third parties involved in the credit card application process.

12. DISCLAIMERS

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REVOLVER NOW DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Revolver Now does not warrant that:

(a) You will be approved for any credit card;

(b) You will receive any particular credit limit;

(c) You will receive instant access to any credit card;

(d) Credit card information displayed is accurate, complete, or current;

(e) The Service will meet your specific requirements or expectations;

(f) The Service will be uninterrupted, timely, secure, or error-free.

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REVOLVER NOW, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

(a) Your use of or inability to use the Service;

(b) Any denial of a credit card application;

(c) Any credit limit received or not received;

(d) Any inability to access instant card features;

(e) Any impact on your credit score from credit inquiries;

(f) Any changes to credit card terms by Card Issuers;

(g) Any actions or decisions of Card Issuers or credit bureaus.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Revolver Now and its affiliates, officers, directors, employees, and agents 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 the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any information you provide through the Service; or (e) your use of any credit card obtained through the Service.

15. THIRD-PARTY SERVICES AND LINKS

The Service may contain links to third-party websites, applications, or services, including Card Issuer websites and application portals. Revolver Now does not control and is not responsible for the content, privacy policies, or practices of any third-party services. Your interactions with third-party services are governed by those third parties’ terms and policies.

16. MODIFICATIONS TO TERMS

Revolver Now reserves the right to modify these Terms at any time. We will provide notice of material changes by updating the “Last Updated” date at the top of these Terms and, where appropriate, providing additional notice. Your continued use of the Service after any modifications indicates your acceptance of the modified Terms.

17. TERMINATION

Revolver Now may suspend or terminate your access to the Service at any time, for any reason, without prior notice. Upon termination, all rights granted to you under these Terms will immediately cease.

18. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, St. Lucie County,  without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

19. GENERAL PROVISIONS

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Revolver Now regarding the Service.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Waiver: No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

Assignment: You may not assign or transfer these Terms without Revolver Now’s prior written consent. Revolver Now may assign these Terms without restriction.

20. CONTACT INFORMATION

If you have any questions about these Terms, please contact us at:

Revolver Now via Flexxbuy

Email: support@flexxbuy.com

Address: 540 NW University Blvd, Ste 209, Port St. Lucie, FL 34986

                       

BY USING THE REVOLVER NOW SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.