Terms of Service, Credit Authorization, & Consent Agreement

1. Credit Report, Background, and Verification Authorization

By submitting your application, you hereby grant your explicit, written permission and authorization under the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA) and all applicable state and federal laws for the Company and its syndicates and corporate financial partners (collectively, "Financing Partners") to:

• Obtain, review, and evaluate commercial and consumer credit reports, investigative background reviews, and scorecards from one or more national credit bureaus, including but not limited to TransUnion, Experian, and Equifax.
• Request, retrieve, and inspect your business financial records, corporate bank statements, credit card processing statements, asset portfolios, and tax filings from any bank, creditor, processor, or financial institution named in your application.
• Soft vs. Hard Pull Distinction: Perform initial credit inquiries as "Soft Inquiries (Soft Pulls)" which will not affect your consumer credit score. You acknowledge and agree that if an initial match is made, any individual Financing Partner conducting final underwriting or formal transaction execution is authorized to perform a "Hard Inquiry (Hard Pull)" which may impact your credit score.
• Conduct periodic, ongoing reviews of your business credit profile, banking activity, and transaction history for as long as you maintain an active account, contract, or outstanding balance with the Company or any of its Financing Partners to service, monitor, collect, or enforce any financial transaction.

2. FCC 1:1 Compliant Telephone Communications Consent (TCPA)

Pursuant to the Federal Communications Commission (FCC) regulations regarding one-to-one consent for telemarketing and automated communications, you provide your express written consent to receive operational, transactional, marketing, and promotional communications specifically from the Company and our explicitly designated, hyperlinked network of Financing Partners (accessible via our [Partner Directory/Lender Network Link]).

• Communication Channels: Communications may be delivered via live telephone calls, pre-recorded or artificial voice messages, voice broadcasting systems, email, and Short Message Service (SMS / text messaging).
• Automated Systems: You agree that these communications may be generated, initiated, or delivered using an Automated Telephone Dialing System (ATDS) or other automated technology for predictive dialing and text transmission.
• SMS Logistics & Carrier Fees: Message frequency will vary based on your interaction and underwriting status. Standard text message and data rates applied by your mobile carrier may apply.
• No Condition of Purchase: You acknowledge that granting this communications consent is entirely voluntary and is not a condition of purchase, funding, approval, or the receipt of any financial product or service.
• Opt-Out Mechanisms: You may revoke your consent to receive SMS text messages at any time. To opt out, you must reply "STOP" to any text message received. For additional assistance, you may reply "HELP" or contact our compliance department directly. You acknowledge that opting out of one provider's communications does not automatically opt you out of independent Financing Partners to whom your application was legally transmitted.

3. Data Usage for Commercial Marketing, Analytics, and Remarketing

You grant the Company and its marketing agents the right to retain, analyze, and utilize your submitted contact information, corporate profile, and behavioral data for continuing commercial marketing purposes.

• Targeted Advertising & Custom Audiences: We may use your email address, phone number, and digital profile to compile custom or lookalike audiences on digital advertising platforms (including but not limited to Google, Meta, LinkedIn, and programmatic advertising exchanges) to display tailored promotional material.
• Ongoing Marketing Campaigns: The Company may send you recurring promotional newsletters, product cross-sells, industry updates, and promotional financial offers via email and digital channels. You may opt out of promotional emails via the unsubscribe link included in each transmission.

4. State Privacy Rights & The Sale/Sharing of Information

While this application is for commercial financing, we collect personal identifying information (PII) belonging to individual business owners in their capacity as guarantors. Pursuant to state frameworks including the California Consumer Privacy Act as amended by the CPRA (CCPA/CPRA), the Texas Data Privacy and Security Act (TDPSA), and other applicable state regulations:

• Right to Opt-Out: Because sharing, routing, or transmitting your data to our third-party Financing Partners may constitute the "Sale" or "Sharing" of personal information under state definitions, you retain the right to opt-out.
• Mechanism: You may exercise your right to restrict this transmission at any time by clicking our "Do Not Share My Personal Information" link in the website footer or by emailing our compliance team. You acknowledge that exercising an opt-out prior to funding will prevent us from routing your file to our Financing Partners and will result in the administrative cancellation of your application.

5. Automated Financial Data Aggregation Disclosure

If you choose to link your corporate bank accounts digitally through our platform using an automated financial data aggregation service (such as Plaid, Finicity, or similar third-party providers):

• You grant the Company and its software providers continuous, read-only access to your transaction histories, account balances, historical data, and corporate identity metrics.
• You authorize us to securely transmit this raw or aggregated bank data to our underwriting team and qualifying Financing Partners for the sole purpose of evaluating cash flow health and processing your funding request.
• You may revoke this access at any time by contacting us, which will disconnect your automated credentials but will not delete data already lawfully gathered for an active underwriting file.

6. Electronic Signatures and Disclosures Consent (E-SIGN Act Compliance)

Pursuant to the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and uniform state electronic transaction frameworks, you explicitly consent to transact business, receive legally required disclosures, and execute agreements electronically.

• Digital Delivery: All legal notices, federal disclosures, contracts, funding documents, and communication receipts will be provided to you electronically — either displayed natively on your screen, accessible through our online portal, or delivered via the electronic mail (email) address associated with your application.
• Hardware and Software Requirements: To access and retain your electronic disclosures, you must possess a device with internet access, an active email account, a modern web browser with cookies and JavaScript enabled, and software capable of reading Portable Document Format (.pdf) files.
• Withdrawal of Consent: You have the right to withdraw your consent to receive future disclosures electronically by submitting a written request to our compliance team. However, because our application pipeline operates exclusively via electronic architecture, withdrawing your consent prior to formal transaction funding will result in the immediate termination and closure of your active application.

7. Indemnification and Limitation of Liability

You agree to indemnify, defend, and hold harmless the Company, its parents, subsidiaries, officers, directors, employees, and agents from and against any and all claims, losses, damages, liabilities, costs, or expenses (including reasonable attorney fees) arising from or relating to your breach of this Agreement, or any actions taken by third-party Financing Partners after your application data has been legally transmitted in accordance with this Agreement.

8. Governing Law and Dispute Resolution

This Agreement and all matters arising out of or relating to your use of this platform shall be governed by, and construed in accordance with, the laws of the State of New York, without regard to its internal conflict of laws principles. Any dispute, claim, or controversy arising out of or relating to this Agreement, including the determination of the scope or applicability of this agreement to arbitrate, shall be settled by binding arbitration before a single arbitrator in accordance with the commercial arbitration rules of the American Arbitration Association (AAA).