Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Lenderfy Capital ("Company," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.

2. Description of Services

Lenderfy Capital operates as a financing marketplace that connects businesses with funding sources. Our services include:

• Business funding application processing
• Credit evaluation and underwriting services
• Matching businesses with appropriate lenders
• Facilitating funding transactions
• Providing funding-related consultation and support

Important: Lenderfy Capital is a financing marketplace, not a bank or direct lender. We do not make lending decisions or provide consumer loans.

3. Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Have legal authority to bind your business to these Terms
• Operate a legitimate business in the United States
• Provide accurate and complete information
• Meet minimum revenue and operational requirements
• Not be prohibited from receiving financial services under applicable law

4. Application Process and Consent

Information Accuracy

You warrant that all information provided in your funding application is true, accurate, and complete. Providing false or misleading information may result in immediate termination of services and potential legal action.

Credit Authorization

By submitting an application, you authorize us and our partners to:

• Obtain credit reports and scores from credit bureaus
• Verify bank account information and transaction history
• Contact references and verify business information

Communication Consent

A2P 10DLC Compliance: By providing your phone number, you consent to receive text messages, calls, and emails regarding your application and account. Message frequency varies. Reply STOP to opt out. Message and data rates may apply.

5. Fees and Costs

Lenderfy Capital does not charge upfront fees for application processing or marketplace services. However, you acknowledge that:

• Funding products have associated costs (interest, fees, etc.) set by lenders
• All costs will be clearly disclosed before you accept any funding offer
• We may receive compensation from lenders for successful funding transactions
• Third-party services (credit reports, legal documents) may have separate fees

We maintain full transparency in all fee structures and will never charge hidden fees.

6. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized account access
• Use our services only for legitimate business purposes
• Comply with all applicable laws and regulations
• Not attempt to circumvent our systems or security measures
• Not engage in fraudulent or deceptive practices

7. Prohibited Uses

You may not use our services to:

• Submit false or fraudulent applications
• Impersonate another person or entity
• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Use our services for illegal activities
• Harass, abuse, or harm other users or our staff

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our privacy practices as described in the Privacy Policy.

9. Disclaimers and Limitations

No Guarantee of Funding

We do not guarantee that you will receive funding or that any particular terms will be available. All funding decisions are made by individual lenders based on their own criteria.

Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. We may suspend or modify services for maintenance, updates, or other operational reasons.

Third-Party Services

We are not responsible for the actions, products, or services of third-party lenders, service providers, or other partners. Your relationships with these parties are governed by their respective terms and conditions.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDERFY CAPITAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF OUR SERVICES.

11. Indemnification

You agree to indemnify, defend, and hold harmless Lenderfy Capital, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

12. Termination

Either party may terminate this agreement at any time. We may suspend or terminate your access to our services immediately if you violate these Terms or engage in prohibited activities.

Upon termination, your right to use our services ceases immediately, but provisions regarding liability, indemnification, and dispute resolution shall survive.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You waive any right to participate in class action lawsuits or class-wide arbitration against us.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. The unenforceable provision shall be replaced with an enforceable provision that most closely reflects the original intent.

Contact Information

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

Lenderfy Capital

1909 Tyler St Unit

Hollywood, FL 33021

Phone: (888) 231-0674

Email: legal@lenderfycapital.com