Terms of service.

Effective Date: November 25, 2025

These Terms of Service govern your access to and use of Flote.com, a website operated by Ovanti US Inc. By visiting or using Flote.com, you agree to these Terms.

If you do not agree, do not use the site.

1. Website Purpose

Flote.com provides information about Flote, a responsible, debit-first deferred payment service for adult users in the United States. The website may also allow you to join a waitlist, contact our team, or access other informational resources.

These Terms apply only to the website. They do not govern the use of any payment service, checkout experience, or other product features that may be provided separately under their own terms.

2. Eligibility to Use the Website

To use Flote.com, you must:
• Be at least 18 years old
• Be located in the United States
• Have the legal capacity to agree to these Terms

You must use the website in compliance with applicable U.S. laws.

3. Information You Submit

If you submit information on Flote.com, including joining the waitlist or filling out forms, you agree that:
• The information you provide is accurate and current
• You have permission to share it
• We may contact you based on the information you provide
• We may use the information as described in our Privacy Policy

Do not submit sensitive or confidential information through public forms on the website.

4. Acceptable Use

You agree that you will not:
• Use the website for unlawful, fraudulent, or abusive purposes
• Attempt to access non-public areas or systems
• Interfere with the operation or security of the website
• Use automated tools to scrape, collect, or harvest data from Flote.com
• Attempt to copy, reverse engineer, or modify the website
• Impersonate another individual or organization

We may restrict or block access to the website for any conduct that violates these Terms.

5. Intellectual Property

Flote.com, including its design, text, graphics, logos, and content, is owned by Ovanti US Inc. or licensed to us. You may not reproduce, distribute, modify, or create derivative works without our written permission.

You may view and use the website for personal, non-commercial purposes only.

6. Links to Third-Party Sites

Flote.com may provide links to third-party websites or resources. These are provided for convenience only. We do not control, endorse, or take responsibility for third-party websites, their content, or their practices.

Use third-party sites at your own risk.

7. Disclaimer of Warranties

Flote.com is provided on an “as is” and “as available” basis. We make no warranties about:
• Website availability
• Website accuracy
• Website security
• Website performance
• The absence of errors or interruptions

To the extent permitted by law, all implied warranties are disclaimed.

8. Limitation of Liability

To the fullest extent permitted by law, Ovanti US Inc. is not liable for:
• Indirect, incidental, or consequential damages
• Loss of data, revenue, or business
• Errors, delays, or interruptions in website availability
• Issues caused by third-party providers or links

Your sole remedy for dissatisfaction with the website is to stop using it.

9. Indemnification

You agree to indemnify and hold harmless Ovanti US Inc. and its officers and employees from any claims, damages, losses, or expenses arising from your use of Flote.com or your violation of these Terms.

10. Changes to the Website or Terms

We may modify the website at any time. We may also update these Terms. When we do, we will revise the effective date at the top of this page.

Your continued use of the website after changes are posted means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Colorado and applicable federal laws. Any disputes will be resolved exclusively in state or federal courts located in Colorado.

12. Contact Us

For questions about these Terms, contact us at:
support@flote.com
Ovanti US Inc.
2128 W 32nd Ave, Second Floor
Denver, CO 80211