Welcome to U.S. Business Finance. These Terms of Service ("Terms") govern your access to and use of our website, services, and any related applications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

Please read these Terms carefully before using our Services. If you do not agree to these Terms, you may not access or use our Services.

Acceptance of Terms

By accessing or using our Services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into a binding agreement
• You are authorized to act on behalf of any business entity you represent
• You will comply with all applicable laws and regulations
• All information you provide is accurate, current, and complete

Description of Services

U.S. Business Finance operates as a business financing marketplace and broker. We connect businesses seeking financing with our network of lending partners. Our Services include:

• Providing information about various business financing options
• Collecting and processing financing applications
• Matching businesses with appropriate lending partners
• Facilitating communication between applicants and lenders
• Providing educational resources about business financing

Important: U.S. Business Finance is not a direct lender. We do not make lending decisions, fund loans, or guarantee approval of any financing application. All lending decisions are made solely by our lending partners based on their own underwriting criteria.

Application Process

When you submit a financing application through our Services:

• You authorize us to share your application information with our lending partners
• You consent to credit inquiries and background checks as required by lenders
• You acknowledge that submitting an application does not guarantee approval
• You agree to provide accurate and truthful information
• You understand that lending partners may contact you directly

Providing false, misleading, or incomplete information may result in denial of your application and potential legal consequences.

User Responsibilities

As a user of our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use the Services only for lawful purposes
• Not attempt to interfere with or disrupt our Services
• Not use automated systems to access our Services without permission
• Not impersonate any person or entity
• Comply with all applicable laws and regulations

Prohibited Activities

You may not use our Services to:

• Submit fraudulent applications or provide false information
• Engage in money laundering or other illegal financial activities
• Violate any applicable laws, regulations, or third-party rights
• Transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems
• Harvest or collect user information without consent
• Interfere with the proper functioning of our Services
• Use our Services for any purpose other than obtaining business financing

Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of U.S. Business Finance or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our Services without our prior written consent, except for personal, non-commercial use.

Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Services will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or reliability of any information
• Warranties that defects will be corrected

We do not guarantee approval of any financing application or the terms of any financing offer. All financing decisions are made by our lending partners at their sole discretion.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, U.S. BUSINESS FINANCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use our Services
• Actions or decisions of our lending partners
• Unauthorized access to or alteration of your data

Our total liability for any claims arising from these Terms or your use of our Services shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless U.S. Business Finance and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our Services, your violation of these Terms, your violation of any rights of another party, or any information you provide to us.

Third-Party Services and Links

Our Services may contain links to third-party websites or services that are not owned or controlled by U.S. Business Finance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Your interactions with our lending partners are governed by their own terms and conditions. We encourage you to review the terms and privacy policies of any third-party services you access through our platform.

Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Reasons for termination may include:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false or misleading information
• Conduct that may harm us or other users
• Extended periods of inactivity

Upon termination, your right to use our Services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New York, New York.

You agree to waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a revised "Last Updated" date. Your continued use of our Services after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and U.S. Business Finance regarding your use of our Services. These Terms supersede any prior agreements or understandings, whether written or oral.

Contact Us

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