Terms of Use
These Terms of Use govern Cash Advance & Money – Wrenzy (the "App"), operated by Fluxion d.o.o. at Ulica prvoborcev 25 1000, Ljubljana, OSREDNJESLOVENSKA Slovenia. The App helps users plan budgets for home DIY renovation projects through its built-in Reno Calculator calculator and offers a separate, optional personal-financing inquiry. Website: https://fluxiondoo.com/. Support: [email protected]. Liberty Bank is the independent lending institution that reviews authorized financing inquiries and determines any loan offer, APR, fees, terms, approval and funding. Fluxion d.o.o. does not issue loans.
1. Service and Product Purpose
Reno Calculator is a built-in budgeting calculator for home DIY renovation projects. Users enter their expected renovation expenses and use the experience-level toggle to adjust the automatically calculated contingency buffer: a beginner setting provides a larger allowance for unexpected expenses and mistakes, while a more experienced setting provides a smaller allowance. Reno Calculator displays the resulting final project cost estimate, including the contingency reserve, to help users prepare their renovation budget. Reno Calculator is separate from the optional financing request; Reno Calculator inputs and estimates are stored only on the user's device. using the calculator does not apply for credit, create a loan agreement or guarantee funding. The App also lets eligible U.S. adults voluntarily prepare a personal-financing inquiry. Fluxion d.o.o. is not a lender and does not make credit decisions.
2. The Operator and the Lending Bank
Fluxion d.o.o. operates the App and its financing-referral interface from Slovenia. Its registered address is Ulica prvoborcev 25 1000, Ljubljana, OSREDNJESLOVENSKA Slovenia; support is available at [email protected]. Liberty Bank, headquartered in Middletown, Connecticut, is the identified lender to which authorized financing inquiries are referred. Official regulatory records: FDIC Certificate 17943: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/17943; FFIEC RSSD 587800: https://www.ffiec.gov/npw/Institution/Profile/587800. The bank's official website is https://www.liberty-bank.com/. Liberty Bank independently reviews applications, makes all lending decisions, and sets any APR, fees, repayment schedule, loan agreement and disbursement. Fluxion d.o.o. does not make credit decisions or issue loans.
3. Preparing and Submitting an Inquiry
Users may first use Reno Calculator to calculate a budget for a home DIY renovation, adjust their experience-level toggle and review the final estimate including its contingency buffer. Budget calculation does not itself submit a loan request. To seek financing, a user separately chooses a requested amount, completes the online financing form and authorizes submission of the completed inquiry to Liberty Bank. Liberty Bank independently reviews the inquiry, and the user may decline any resulting loan offer. Using Reno Calculator does not create a credit obligation.
4. Who Can Apply and Where
Applicants must be at least 18 years old and reside in an eligible U.S. state. Applicants generally need steady monthly income and an active checking account. Liberty Bank sets the requirements for identity, income, account and credit verification and determines eligibility. Meeting these introductory criteria does not guarantee a loan offer.
5. Loan Amounts, APR and Repayment Terms
The financing program covers $100–$2,500 USD, repayment periods from 61 days to 60 months and 5.99%–35.99% APR, including all fees required to be included in APR. The maximum APR including such fees is 35.99%. No loan included in this program requires full repayment within 60 days or less; the minimum full repayment period is 61 days. Liberty Bank independently determines eligibility and the terms of any offer under applicable law.
6. Required Credit Disclosures
Liberty Bank determines the principal, interest rate and APR, mandatory fees, finance charges, payment frequency, installment amounts, first due date, total repayment and any late-payment or prepayment provisions for a loan it offers. It provides the applicable Truth in Lending Act and Regulation Z disclosures before acceptance. The App does not set the terms of any loan.
7. Representative Loan Example
Illustrative example, not a loan offer. On a $1,500 loan at a fixed 18.99% APR over 12 months with no additional fees, monthly amortization and monthly interest rounded to cents give 11 payments of $138.23 and a final payment of $138.22. The total repayment is $1,658.75, including $158.75 interest. For an illustrative January 1, 2027 disbursement, payments would be due February 1, 2027 through January 1, 2028. An actual lender offer must specify the APR, fees, payment amounts, due dates, total payable and repayment terms before acceptance.
8. Credit Review and Funding
Liberty Bank independently reviews the application and determines identity, income and credit-verification requirements, the credit decision and any funding. An authorized hard credit inquiry may affect the applicant's credit score. The App does not guarantee loan approval, immediate funding, same-day disbursement or any particular funding date.
9. Free Use and No Obligation
The App and its Reno Calculator renovation-budget calculator are free to use. Users can prepare a renovation cost estimate without submitting a financing inquiry. Submission of an optional financing inquiry is also free and does not require acceptance of a loan offer or agreement. Any charges connected with a loan accepted from Liberty Bank are disclosed by the bank.
10. Referral Fees and Independence
Fluxion d.o.o. may receive commercial referral compensation for introducing eligible applicants to Liberty Bank. Such compensation does not authorize Fluxion d.o.o. to approve credit, change APR or fees, issue a loan agreement or guarantee funding. It is not a fee charged to applicants for submitting an inquiry.
11. Referral Disclosure and Authorization
Financing referral disclosure:
Fluxion d.o.o. operates Cash Advance & Money – Wrenzy at Ulica prvoborcev 25 1000, Ljubljana, OSREDNJESLOVENSKA Slovenia. The App provides Reno Calculator, a home DIY renovation-budget calculator, and a separate optional financing inquiry. Reno Calculator calculates a renovation cost estimate from project expenses and an experience-level selection, including a contingency buffer for unexpected costs and errors. Using Reno Calculator alone does not authorize or submit a credit request. For financing, the user enters the requested amount and other required information into a separate online form. When the user authorizes submission, the completed inquiry is referred to Liberty Bank for its independent credit review. Liberty Bank alone decides whether to offer a loan and determines any APR, fees, repayment schedule, loan agreement, approval and funding. Submitting an inquiry does not guarantee approval or funding and does not require accepting a loan offer. Consent to submit financing information is separate from permissions for unrelated promotional communications and ATT-regulated advertising tracking. For privacy assistance about the App, contact [email protected].
12. Personal Information and Data Transfer
The App handles renovation-budget inputs in Reno Calculator for the calculation of a project estimate; financing-form information is processed for the user's separate request. A Reno Calculator estimate is not itself an application for credit. Reno Calculator inputs and estimates are stored only on the user's device. When a user separately authorizes a completed financing inquiry, that request is referred to Liberty Bank. The Privacy Policy describes relevant data categories and technical service providers. Authorization to submit a financing inquiry is separate from unrelated marketing or advertising tracking.
13. Communications and Notifications
Submitting an inquiry does not by itself authorize unrelated promotional phone calls, SMS or email. The App uses OneSignal for optional push notifications. Users may decline or disable notification permission through iOS Settings. A lender's communications concerning an offer or contract are governed by its own disclosures and applicable law.
14. AppsFlyer, OneSignal and ATT
The App uses AppsFlyer for installation attribution and campaign measurement and OneSignal for optional push notifications. Tracking requiring Apple's App Tracking Transparency permission follows the applicable iOS permission choice. Service-provider details appear in the Privacy Policy, Sections 3, 8 and 11.
15. Security and Responsible Use
Users should provide accurate information and not impersonate others or misuse the App. Never send passwords, one-time login codes or card security codes to general App support. The responsible lender supplies its own credit agreement and related security instructions.
16. Loan Complaints and Privacy Assistance
For questions about Reno Calculator calculations, using the App, financing-referral submission, marketing or operator-held personal information, contact [email protected]. For actual loan approval, APR, payment schedule, servicing, collections or an executed loan agreement, contact Liberty Bank through its official channels. Applicable U.S. consumer rights remain in effect.
17. Governing Rules and Changes
Fluxion d.o.o. is established in Slovenia, within the European Union. U.S. federal and applicable state consumer-credit and marketing law governs the relevant U.S. lending activities. Covered processing of personal information by Fluxion d.o.o. is subject to the EU GDPR and Slovenia's ZVOP-2, where applicable. Any loan agreement provided by Liberty Bank governs the accepted credit relationship. Updated Terms are published through the App's legal resources.