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Last updated | September 7, 2023

Flex Cashback Terms & Conditions 

Table of Contents

    Please read these Flex Cashback Terms & Conditions (the “Terms”) carefully and retain them for your future reference. These Terms contain the general terms, conditions and disclosures related to the cashback program (the “Program”) made available to you by Flexbase Technologies, Inc., d/b/a Flex (“Flex”), the sponsor of the Program in connection with your Flex VISA Business Debit Card or any other card made available to you through Flex (together, the “Card”). 

    When you see the words “we,” “us,” or “our” in these Terms, it refers to Flex and any of Flex’s affiliates, successors, assignees, agents or service providers. When you see the words “you” or “your,” it refers to you, the person who elects to earn cashback on Qualifying Purchases by enrolling in the Program, who is responsible for the Card and for complying with these Terms, as well as your personal representatives, executors, administrators, and successors. 

    You agree to enroll in the Program by opening or continuing to hold a Flex Business Deposit Account or another account associated with a Card made available to you through Flex (the “Account”). The Account and all related banking services are provided by Thread Bank, Member FDIC (the “Bank”) and the Flex VISA Business Debit Card is issued by the Bank. The Bank is not affiliated with the Program and does not administer it; the Program is offered by Flex alone. By enrolling in the Program, you agree to be bound by these Terms as well as any other agreement or document we may provide to you from time to time in connection with the Program.

    IMPORTANT NOTE: THESE TERMS ARE SUBJECT TO BINDING ARBITRATION AND A WAIVER OF CLASS ACTIONS AND YOUR RIGHT TO A JURY. THE TERMS OF ARBITRATION AND THE WAIVER APPEAR IN SECTION 16 OF THESE TERMS.

    1. Program Overview 

    These Terms describe how the Program works and are an agreement between you and Flex. By participating in the Program, you agree to be bound by these Terms, the Flex Terms of Service and the Flex Privacy Policy , each of which is a legally binding contract between you and Flex regarding your participation in the Program and is incorporated by reference herein. Interpretation of these Terms and any other Program Rules shall be at our sole discretion. Your participation in the Program is expressly conditioned upon your compliance with these Terms and with all present and future Program Rules, terms, regulations, policies and procedures that Flex may, in its discretion, adopt from time to time. The Program is void where prohibited by law. You agree that use of any feature of the Program indicates your acceptance of these Terms.

    2. Definitions 

    In these Terms, the following words have the special meanings below:

    • “Account” means your Flex Business Deposit Account or another account associated with a Card made available to you through Flex;
    • “App” means the Flex application that may be used with the Card and the Program, which can be downloaded from the Apple App Store or Google Play;
    • “Authorized user” means anyone legally authorized by you to use your Account;
    • “Bank” means Thread Bank, member FDIC, which provides the Flex VISA Business Debit Card and the Flex Business Deposit Account;
    • “Card,” means your Flex VISA Business Debit Card or any other card made available to you through Flex;
    • “Cardholder” means any Account holder who successfully applies for a Card;
    • "Privacy Policy” means the Flex Privacy Policy as amended from time to time.
    • “Program Rules” shall reference these Terms, along with any other rules, terms, regulations our, policies and procedures that Flex may issue in writing conjunction with the Program, which shall, in Flex’s discretion, be incorporated by reference herein;
    • “Qualifying Purchases” is defined in the section 5 of these Terms, titled “How you can earn cashback;”
    • “Website” means the Flex Website. 

    3. Eligibility 

    By agreeing to the Terms and participating in the Program, you give Flex explicit permission and instruction to act as your agent in accessing your Card data to calculate the net purchases made on your Card for the purpose of awarding cashback rewards to you. 

    The Program is available to United States-based businesses which have a U.S. physical address and have a valid Employer Identification Number. 

    We may decline to provide access to the Program for any reason at our sole discretion. We are not liable for any damages or liabilities resulting from refusal of an Account relationship.

    4. Changes to These Terms 

    We may make changes to the Program and the Terms at any time and at our sole discretion. We will provide advance notice to you of a change in Terms where required by law.

    5. How You Can Earn Cashback 

    You’ll earn cashback when you, or an Authorized User, use a Card to make eligible purchases of products and services, minus any returns, reversals or refunds (“Qualifying Purchases”). 

    Buying products and services online or over the phone with your Card, in most cases, will count as a Qualifying Purchase; however, the following types of transactions will not count as a Qualifying Purchase:

    • direct debits; 
    • bill pay; 
    • balance transfers; 
    • purchase of travelers’ checks, foreign currency, money orders, wire transfers or similar cash-like transactions; 
    • purchase of lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions; 
    • unauthorized or fraudulent charges; and 
    • purchases made prior to signing up for the Program.

    Discounts, gift cards, offers, promotions, coupons or any other rewards received through this Program or otherwise are not eligible for earning cashback. Payments made through your Account are not eligible for cashback. 

    For each Qualifying Purchase, you will receive 1% cashback minus any returns, reversals or refunds. Cashback is not subject to any monthly or annual caps. 

    Cashback is only earned on the amount actually spent on Qualifying Purchases. If cashback is issued for a Qualifying Purchase that is later returned, reversed or refunded, or the transaction is otherwise voided, the corresponding amount will be automatically charged to your Card.

    6. Ways to Earn Bonus Cashback 

    We may offer you ways to earn bonus cashback (“Bonus Cashback”) through the Program or with third-party partners, such as special promotional offers (“Offers”). You’ll find out more about the amount of cashback you can earn and any other terms at the time of the Offer. The additional terms for those Offers are incorporated by reference as part of these Terms. Taking advantage of Offers is optional and such Offers may be subject to unique additional terms and conditions that are not subject to Flex’s control. Flex is not liable for the actions of any third parties; it is your responsibility to read carefully and comply with any terms and conditions imposed in connection with any Offer.

    7. Payment of Rewards ‍

    Cashback payouts will be processed as deposits to your Account on the first day of each month. Cashback will be deposited and/or credited to your Account and seen on your next Account statement as applicable, each month based on the Qualifying Purchases made with your Card, plus any Bonus Cashback earned, but minus any returns, reversals or refunds for the preceding month. If you have returns, reversals or refunds more than cashback earned from Qualifying Purchases or Offers, then the associated cashback will be charged to your Card.

    8. Caution and Warning 

    Flex reserves the right to reject, revoke, cancel, terminate, or suspend any benefit, and/or ability to participate in the Program, or take any other action at its discretion, at any time with immediate effect and without written notice or liability to you, if Flex, in its sole discretion, believes: (a) you have (1) violated any of the Program Rules; (2) acted in a manner inconsistent with applicable law, regulations or ordinances; (3) engaged in any misconduct or wrongdoing in connection with the Program; or (4) engaged in abusive, fraudulent, inappropriate, or hostile conduct in connection with the Program; or (b) Flex’s provision of the Program and/or any associated benefits to you may violate any applicable laws to which Flex is subject from time to time. 

    Any attempt to deliberately damage or undermine the legitimate operation of the Program, or the App may be a violation of criminal and civil laws. Should such an attempt be made, Flex reserves the right to seek damages or other remedies to the fullest extent permitted by law. Any abuse of the Program, failure to follow any Program Rules, or any misrepresentation by you may subject you to cancellation of your ability to participate in the Program and will affect eligibility for future participation in the Program. Flex reserves the right to seek all remedies, whether available at law or at equity, criminal or civil, in the event you defraud or abuse the Program, fail to follow any terms of the Program, or make any misrepresentations to Flex.

    9. Termination/Cancellation 

    The Program has no predetermined termination date and may continue until such time as we, at our sole discretion, elect to designate a Program termination date. We may, in our sole discretion, terminate the Program, in whole or in part, at any time, with thirty (30) days’ notice, which may result in the cancellation of all benefits and privileges associated with the Program. If you wish to cancel your participation in the Program, you may contact our customer service team at support@flex.one. If you close your Account, cancel your Card, or cancel your participation in the Program, any cashback earned, but not yet credited, will be forfeited.

    10. Other Important Information You Should Know 

    Notwithstanding the foregoing, Flex’s failure to exercise any of its rights under the Program Rules or its delay in enforcing or exercising any of those rights shall not constitute a waiver of such rights. 

    Events beyond Flex’s control, such as computer equipment or electronic data transmission failure, strikes, acts of God, civil disturbance, terrorism or war, which may materially affect our ability to perform, will allow Flex to suspend or terminate the Program. 

    All dollar amounts referred to in these Terms are in U.S. dollars (USD). 

    Flex may assign our rights and obligations under these Terms to a third party, who will then be entitled to any of our rights that we assign to them. 

    We’re not responsible for any disputes you may have with any Authorized Users on your Account about the Program.

    You agree to indemnify and hold Flex and its third party service providers and all of their respective affiliates, directors, officers, employees, agents and contractors harmless from and against any loss, damage, liability, cost, or expense of any kind (including attorneys’ fees) arising from your or an Authorized User’s: use of the Program, any fraud or misuse of the Program, violation of these Terms, the Program Rules and/or violation of any applicable law or the rights of any third party. 

    Any merchants and third-party service providers that participate in the Program are not affiliated with Flex and are not sponsors or co-sponsors of the Program. All participating merchant and third-party service provider names, logos, and marks are used with permission and are the property of their respective owners. Participating merchants and third-party service providers are subject to change without notice. 

    Participating merchants and third-party service providers are responsible for the quality and performance of any products or services they provide. Flex is not responsible for any aspects of the products and services provided by participating merchants or third-party service providers. 

    The Program is void where prohibited by federal, state, or local law. 

    These Terms and use of the Program is governed by federal law, as well as the law of Delaware, and will apply no matter where you live or use the Program.

    11. Communications 

    We may send communications about the Program and marketing messages to you at any mailing or email address or phone number in our records or through our online services, such as SMS or the App. 

    By providing your phone number and enrolling in the Program, you are providing Flex or our agents your signature expressly consenting to receive marketing messages, SMS, and texts, including by automated means, at the number provided, even if the number is on a corporate, state, or national Do Not Call list. You acknowledge and agree that you are not required to agree as a condition of any purchase or service, and you represent that you are at least eighteen (18) years old. To opt-out of marketing messages, please contact our Customer Service team at support@flex.one. 

    Let us know right away about any changes to your contact information in the App. You agree that Flex and its third-party service providers may listen to and record telephone calls as part of providing Program services.

    12. LIMITATION OF LIABILITY AND RELEASE 

    BY ENROLLING IN THE PROGRAM, YOU, ON YOUR OWN BEHALF AND ON BEHALF OF YOUR AUTHORIZED USERS, AGREE: (A) TO WAIVE ANY RIGHTS TO CLAIM AMBIGUITY WITH RESPECT TO THESE TERMS; (B) TO WAIVE ALL OF YOUR RIGHTS TO BRING ANY CLAIM, ACTION, OR PROCEEDING AGAINST FLEX, ITS PARENT OR AFFILIATED ENTITIES, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) IN CONNECTION WITH THE PROGRAM AND (C) TO FOREVER AND IRREVOCABLY AGREE TO RELEASE, DEFEND, INDEMNIFY, AND HOLD HARMLESS THE RELEASED PARTIES FROM ANY AND ALL CLAIMS, LAWSUITS, JUDGMENTS, CAUSES OF ACTION, PROCEEDINGS, DEMANDS, FINES, PENALTIES, LIABILITY COSTS AND EXPENSES (INCLUDING, WITHOUT LIMITATION, OUTSIDE ATTORNEYS' OR LEGAL FEES) THAT MAY ARISE IN CONNECTION WITH: (I) THE PROGRAM AND/OR THE APP, INCLUDING BUT NOT LIMITED TO YOUR PARTICIPATION OR INABILITY TO PARTICIPATE IN THE PROGRAM OR ANY OFFER OR BENEFIT, (II) ANY ERRORS PUBLISHED IN RELATION TO THE PROGRAM, INCLUDING, WITHOUT LIMITATION, ANY TYPOGRAPHICAL ERRORS, PRINTING, ERRORS OF DESCRIPTION, ERRORS IN THE PROGRAM RULES OR ANY PROGRAM MATERIALS, AND ERRORS IN THE CREDITING OR DEBITING OF CASHBACK FROM YOUR ACCOUNT OR ANY STATEMENT CREDITS OR CARD CHARGES, (III) ANY CHANGE IN ANY BENEFIT (OR ANY COMPONENTS THEREOF) DUE TO UNAVAILABILITY OR DUE TO REASONS BEYOND FLEX’S CONTROL, (IV) ANY INTERRUPTIONS IN OR POSTPONEMENT, CANCELLATION, TERMINATION, OR MODIFICATION OF THE PROGRAM OR ANY COMPONENT THEREOF, (V) HUMAN ERROR, (VI) ANY TECHNICAL MALFUNCTIONS OR UNAVAILABILITY OF THE APP, ANY COMPUTER SYSTEM, POS, COMPUTER TIMING AND/OR DATING MECHANISM, SOFTWARE, OR INTERNET SERVICE PROVIDER, OR MAIL SERVICE UTILIZED BY ANY OF THE RELEASED PARTIES OR BY YOU, (VII) ANY WRONGFUL, NEGLIGENT, OR UNAUTHORIZED ACT OR OMISSION ON THE PART OF ANY OF THE RELEASED PARTIES OR OF ANY OTHER THIRD PARTY, (VIII) LOST, LATE, MISDIRECTED, DAMAGED OR DESTROYED CORRESPONDENCE, CASHBACK, OFFERS, DISCOUNTS OR ANY OTHER BENEFIT (OR ANY ELEMENT THEREOF), (IX) THEFT OR UNAUTHORIZED REDEMPTION OF CASHBACK, OFFERS, DISCOUNTS, OR OTHER BENEFIT, AND (X) ANY ACTS OR OMISSIONS BY YOU OR THIRD PARTIES INCLUDING NEGLIGENCE OR WILLFUL MISCONDUCT.

    THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR ANY INJURY OR DAMAGE, WHETHER TO YOU OR TO ANY OTHER PERSON OR TO ANY PROPERTY, RELATED TO OR RESULTING FROM YOUR PARTICIPATION IN THE PROGRAM AND/OR THE ACCEPTANCE OR USE OF ANY BENEFIT. BY PARTICIPATING IN THE PROGRAM, YOU EXPRESSLY ASSUME ALL LIABILITY AND RESPONSIBILITY FOR YOUR PARTICIPATION AND AGREE THAT PARTICIPATION IS SOLELY AT YOUR OWN RISK.

    IN NO EVENT SHALL THE RELEASED PARTIES HAVE ANY LIABILITY OR RESPONSIBILITY WHATSOEVER FOR, AND THE RELEASED PARTIES SHALL BE HELD HARMLESS BY YOU AND YOUR AUTHORIZED USERS AGAINST, ANY AND ALL INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, RELIANCE, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES TO PERSONS,

    INCLUDING PERSONAL INJURY OR DEATH, OR PROPERTY, ARISING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM ANY ACTION TAKEN OR NEGLECTED TO BE TAKEN WITH REGARD TO THE PROGRAM, ACCEPTANCE, POSSESSION, MISUSE OR USE OF ANY CASHBACK, OFFER, REWARD OR BENEFIT, REGARDLESS OF THE FORM OF ANY CLAIM OR ACTION (WHETHER IN CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE). 

    IN NO EVENT SHALL THE RELEASED PARTIES BE LIABLE TO YOU FOR ANY DELAY OR FAILURE TO PERFORM DUE TO CAUSES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOD, ACTS OF WAR, NATURAL DISASTERS, WEATHER, PANDEMICS/EPIDEMICS, TERRORISM, OR ANY ACT OR OMISSION OF A THIRD PARTY. 

    THE SOLE REMEDY AVAILABLE TO YOU IN CONNECTION WITH THE PROGRAM (WHETHER YOUR CLAIM IS BASED IN LAW OR EQUITY) SHALL BE THE CREDITING OR RE-CREDITING TO YOUR ACCOUNT OR YOUR ACCOUNT STATEMENT OF CASHBACK IN AN AMOUNT NO GREATER THAN THE AMOUNT OF CASHBACK AT ISSUE. 

    THESE LIMITATIONS ARE INDEPENDENT FROM ALL OTHER PROVISIONS OF THESE TERMS AND SHALL APPLY NOTWITHSTANDING THE FAILURE OF ANY REMEDY PROVIDED. SOME STATES AND OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

    13. DISCLAIMER OF ALL WARRANTIES 

    WITHOUT LIMITING THE FOREGOING, THE PROGRAM, INCLUDING, WITHOUT LIMITATION, THE CARD, THE ACCOUNT, THE APP AND ALL CASHBACK, OFFERS, DISCOUNTS AND BENEFITS, ARE PROVIDED "AS IS" AND "AS AVAILABLE" AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED,INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, INTEGRATION, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. 

    NEITHER FLEX NOR ITS AGENCIES, AGENTS, SUPPLIERS OR REPRESENTATIVES WARRANT THAT: (A) ANY INFORMATION WILL BE TIMELY, ACCURATE, RELIABLE OR CORRECT; (B) THE PROGRAM WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR PLACE; (C) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (D) THE PROGRAM WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (E) ANY RESULT OR OUTCOME CAN BE ACHIEVED. 

    NEITHER THE PROGRAM NOR ANY BENEFIT OFFERED BY THE PROGRAM CREATES, CONSTITUTES OR GIVES RISE TO ANY LEGAL OR CONTRACTUAL RIGHTS BY YOU AGAINST FLEX. YOUR USE OF THE PROGRAM IS SOLELY AT YOUR OWN RISK. 

    SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY. CHECK LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS. THIS SECTION WILL SURVIVE TERMINATION OF YOUR PARTICIPATION IN THE PROGRAM.

    14. Severability 

    The provisions of these Terms are intended to be interpreted in a manner which makes them valid, legal, and enforceable. If any portion of these Terms should be held invalid or unenforceable for any reason, such portion shall be deemed modified or severed from these Terms in such a manner as to enable the remaining portions of these Terms to remain in full force and effect as if no invalid or unenforceable provision had been part of these Terms. It is expressly understood and agreed between you and Flex that such modification or restriction may be accomplished unilaterally by us, or alternatively, by disposition of an arbitrator or a court of law. If such provisions cannot under any circumstances be so modified or restricted, they shall be excised from these Terms without affecting the validity, legality, or enforceability of any of the remaining provisions.

    15. Privacy 

    For an explanation of Flex’s practices and polices relating to the collection, use, and storage of your personal information, please refer to the Privacy Policy. Flex, its agents, affiliates, subsidiaries, representatives or service providers may use your personal information for purposes of providing cashback and/or for future marketing, such as to notify you of a product or promotion that may be of interest.

    16. Arbitration and Waivers

    BE SURE THAT YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US.

    16.1 Election to Arbitrate 

    You and Flex agree that the sole and exclusive forum and remedy for resolution of a Claim shall be final and binding arbitration pursuant to this Section 16 (the “Arbitration Provision”). As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of these Terms, and/or the activities or relationships that involve, lead to, or result from these Terms, including the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Terms. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counterclaims, cross-claims, third-party claims, or otherwise. Please note that you may continue to assert Claims in small claims court, if your Claims qualify, and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.

    16.2 Applicability of the Federal Arbitration Act; Arbitrator’s Powers.

    This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the “FAA”). The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect confidential information.

    16.3 Informal Dispute Resolution 

    If a Claim arises, our goal is to address your concerns and, if we are unable to do so, to provide you with a neutral and cost-effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you will first submit your Claim to us by email at support@flex.one and provide us with the opportunity to resolve your concern prior to initiating arbitration.

    16.4 Arbitration Procedures 

    The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may call 1 (800) 778-7879 or visit the AAA's web site at: www.adr.org. If you have any questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1 (800) 352-5267 or visit their web site at: www.jamsadr.com. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. The arbitration will be held in Miami, Florida or any other location we agree to.

    16.5 Arbitration Fees 

    If we elect arbitration, we shall pay all the administrator's filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. We shall pay the administrator's hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party requesting the hearing, unless the administrator's rules or applicable law require otherwise, or you request that we pay them and we agree to do so. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.

    16.6 Appeals 

    Within thirty (30) days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules of the arbitrator administrator. In the event of such an appeal, any opposing party may cross-appeal within thirty (30) days after notice of the appeal. The panel will reconsider de novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator's rules, in the same way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act (“FAA”), and may be entered as a judgment in any court of competent jurisdiction.

    16.7 No Class Actions 

    NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section 16.7, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this Section 16.7 shall be determined exclusively by a court and not by the administrator or any arbitrator.

    16.8 Survival and Severability of Arbitration Provision 

    This Arbitration Provision shall survive the termination of these Terms. If any portion of this Arbitration Provision other than Section 16.7 is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. If there is a final judicial determination that applicable law precludes enforcement of this Arbitration Provision’s limitations as to a particular claim for relief or particular term, then that claim (and only that claim) or that term (and only that term) must be severed from the Arbitration Provision and may be brought in court. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in Section 16.7 are finally adjudicated pursuant to the last sentence of Section 16.7 to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision.

    16.9 Judicial Forum for Claims 

    Except as otherwise required by applicable law, if this Arbitration Provision is found not to apply to you or your Claim, you and Flex agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of Florida. Both you and Flex consent to venue and personal jurisdiction there. We both agree to waive our right to a jury trial.

    16.10 Waiver of Right to Litigate 

    THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.