Terms of Service

1. Agreement to Terms

By accessing or using the website and services of Choice Business Funding, LLC ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

These Terms constitute a legally binding agreement between you and Choice Business Funding, LLC regarding your use of our website located at fundsbychoice.com and any related services.

2. Description of Services

Choice Business Funding, LLC provides business funding consulting and referral services. We connect small and mid-sized businesses with funding options from our network of lenders and financial institutions.

Important Disclaimers:

• We are not a bank, lender, or financial institution.
• We do not directly provide loans or funding.
• We do not guarantee approval for any funding application.
• All funding decisions are made by our partner lenders and financial institutions.
• Terms, rates, and conditions are subject to lender approval and may vary.

3. Eligibility

By using our services, you represent and warrant that:

• You are at least 18 years of age.
• You have the legal authority to enter into these Terms on behalf of yourself or the business you represent.
• The information you provide is accurate, complete, and not misleading.
• You are a resident of the United States or a U.S.-based business.
• You will use our services only for lawful purposes.

4. Application Process

When you submit an application through our website:

• You authorize us to share your information with our partner lenders and financial institutions for evaluation purposes.
• You consent to credit checks and verification of the information provided.
• You understand that submitting an application does not guarantee approval.
• You acknowledge that multiple lenders may review your application.
• You agree to provide additional documentation if requested.

5. User Accounts and Security

If you create an account or submit information through our website:

• You are responsible for maintaining the confidentiality of your account information.
• You agree to notify us immediately of any unauthorized use of your information.
• You are responsible for all activities that occur under your account or through your submissions.
• We reserve the right to terminate or suspend access to our services at our discretion.

6. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, software, and code, is the property of Choice Business Funding, LLC or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, distribute, or create derivative works from our content without written permission.
• Use our trademarks, logos, or branding without authorization.
• Modify, reverse engineer, or attempt to extract the source code of our website.
• Use our content for commercial purposes without permission.

7. Prohibited Activities

You agree not to:

• Use our website or services for any illegal or unauthorized purpose.
• Submit false, misleading, or fraudulent information.
• Impersonate any person or entity.
• Interfere with or disrupt our website or servers.
• Attempt to gain unauthorized access to our systems or data.
• Use automated means (bots, scrapers) to access our website.
• Upload viruses, malware, or harmful code.

8. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Warranties that our website will be uninterrupted, timely, secure, or error-free.
• Warranties that any funding will be approved or that terms will be favorable.
• Warranties regarding the accuracy or reliability of any information on our website.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CHOICE BUSINESS FUNDING, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or business opportunities.
• Damages arising from rejected funding applications.
• Damages arising from decisions made by partner lenders.
• Damages resulting from website errors, downtime, or security breaches.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US (IF ANY) IN THE 12 MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless Choice Business Funding, LLC and our officers, directors, employees, agents, and partners from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our website or services.
• Your violation of these Terms.
• Your violation of any third-party rights.
• Any information you submit through our website.

11. Governing Law and Dispute Resolution

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

Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in Cincinnati, Ohio, in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.

12. Accessibility Commitment

Choice Business Funding, LLC is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards.

Standards Compliance: We aim to conform to WCAG 2.2 Level AA standards as recommended by the World Wide Web Consortium (W3C).

Ongoing Efforts: We regularly review our website to identify and address accessibility barriers. We welcome feedback on how we can improve accessibility.

Third-Party Content: Some content on our website may be provided by third parties (e.g., embedded forms, partner links). We cannot guarantee the accessibility of third-party content but encourage partners to meet accessibility standards.

Contact for Accessibility Support: If you experience any difficulty accessing our website or need assistance, please contact us:

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page with an updated "Last Updated" date. Your continued use of our website or services after changes constitutes acceptance of the revised Terms.

For significant changes, we may notify you via email or through a prominent notice on our website.

14. 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.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Choice Business Funding, LLC regarding your use of our website and services.

16. Contact Us

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