When a guy starts using the word love towards you for example if he says I love your chubby tummy, is he wanting something serious or a fling?

He flirts when me when he wants and is very attracted
to me but he's not mentioning anything about being exclusive.

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RopinTexan · 31-35, M

Depends. Is he just saying he loves certain things about you (like your chubby tummy), or you as a whole?

I can’t speak for all guys, but as a general rule, I won’t tell a woman I love her until we’re already exclusive.