Terms of Service

1. Agreement to Terms

By accessing or using Startup Business Loan Online (“Website,” “Service,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not access or use our Service.

These Terms constitute a legally binding agreement between you (“User,” “you,” or “your”) and Startup Business Loan Online.

2. Description of Service

2.1 What We Do

Startup Business Loan Online is a lead generation and referral service. We:

• Provide educational information about business funding options
• Connect entrepreneurs with funding programs administered by 509 Pacific, a 501(c)(3) nonprofit organization
• Collect and transmit lead information to our partners
• Operate as an affiliate marketing platform

2.2 What We Are NOT

We are not:

• A lender, funding provider, or financial institution
• A licensed financial advisor or broker
• A credit counseling service
• A guarantee of funding approval or specific funding amounts

2.3 Affiliate Relationship Disclosure

Startup Business Loan Online operates as an affiliate marketing platform. We earn commissions when users:

• Submit applications through our Website
• Complete funding processes with our partners
• Receive capital raises through referred programs

This affiliate relationship does not:

• Affect the services provided to you
• Result in additional costs to you
• Influence the funding terms you receive

3. Eligibility and User Requirements

3.1 Age Requirement

You must be at least 18 years of age to use our Service. By using our Website, you represent and warrant that you are at least 18 years old.

3.2 Business Purpose

Our Service is intended for entrepreneurs and business owners seeking business funding. Personal loans and consumer credit are not facilitated through our Service.

3.3 Truthful Information

You agree to provide accurate, current, and complete information when using our Service. Providing false or misleading information may result in:

• Disqualification from funding programs
• Termination of your access to our Service
• Legal consequences

4. Funding Guarantees and Disclaimers

4.1 Understanding the Guarantee

Our marketing references a “$100K-$5M+ guaranteed funding” program administered by 509 Pacific. This guarantee is:

4.2 Individual Results May Vary

Individual results depend on multiple factors including:

• Your effort and responsiveness
• Business structure and documentation
• Cooperation with program advisors
• Market conditions
• Lender criteria and requirements

4.3 No Guarantee of Approval

While our partner (509 Pacific) administers programs with funding guarantees, we cannot guarantee:

• That you will be accepted into the program
• Specific funding amounts for your situation
• Approval timelines
• Specific loan terms or interest rates

4.4 Three C’s Fundability System

The Three C’s system (Credit, Collateral, Capacity) is a fundability framework administered by 509 Pacific. Success with this system requires:

• Active participation in credit building activities
• Proper legal transfer of collateral assets
• Demonstration of cash flow through daily deposits
• Compliance with all program requirements

5. User Obligations and Prohibited Conduct

5.1 Acceptable Use

You agree to use our Service only for lawful purposes. You may not:

• Provide false, inaccurate, or misleading information
• Impersonate any person or entity
• Use automated systems (bots, scrapers) to access our Website
• Attempt to gain unauthorized access to our systems
• Reverse engineer or modify our Website
• Use our Service to commit fraud or other illegal activities
• Violate any applicable laws or regulations

5.2 Program Participation Requirements

If you are accepted into a funding program through our referral, you agree to:

• Respond promptly to communications from program advisors
• Complete all required documentation accurately and timely
• Follow the guidance and instructions provided by advisors
• Maintain honesty and transparency throughout the process
• Comply with all program terms and conditions

6. Intellectual Property Rights

6.1 Our Content

All content on our Website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Startup Business Loan Online or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Website for personal, non-commercial purposes. This license does not include:

• Reproduction or redistribution of our content
• Commercial use without our written permission
• Modification or creation of derivative works
• Removal of copyright or trademark notices

7. Third-Party Services and Links

7.1 509 Pacific Partnership

We partner with 509 Pacific, a 501(c)(3) nonprofit organization, to provide funding program referrals. When you submit a lead through our Website:

• Your information is transmitted to 509 Pacific and their affiliated service providers
• You will be subject to 509 Pacific’s terms and conditions
• We are not responsible for 509 Pacific’s actions or services
• Your relationship with 509 Pacific is separate from your relationship with us

7.2 Third-Party Links

Our Website may contain links to third-party websites. We do not control and are not responsible for:

• The content or accuracy of third-party websites
• The privacy practices of third-party websites
• Any damages or losses resulting from third-party websites

8. Privacy and Data Collection

8.1 Information We Collect

We collect information you provide when you:

• Submit forms on our Website
• Complete qualification quizzes
• Contact us via email or phone
• Browse our Website (via cookies and analytics)

8.2 How We Use Your Information

Your information is used to:

• Connect you with funding programs
• Improve our Service
• Send marketing communications (with your consent)
• Comply with legal obligations

8.3 Full Privacy Policy

For complete details on how we collect, use, and protect your information, please review our Privacy Policy.

9. Disclaimers and Limitation of Liability

9.1 No Warranties

OUR SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STARTUP BUSINESS LOAN ONLINE SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from your use or inability to use our Service
• Damages resulting from third-party actions or services
• Any damages exceeding $100 (one hundred US dollars)

9.3 No Financial or Legal Advice

Information on our Website is for educational purposes only and does not constitute:

• Financial advice
• Legal advice
• Tax advice
• Professional consulting

You should consult with appropriate professionals before making financial decisions.

10. Indemnification

You agree to indemnify, defend, and hold harmless Startup Business Loan Online, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorney’s fees) arising from:

• Your use of our Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any false or misleading information you provide
• Your violation of any applicable laws or regulations

11. Termination

11.1 Termination by You

You may stop using our Service at any time. To request deletion of your information, contact us at [email protected].

11.2 Termination by Us

We reserve the right to suspend or terminate your access to our Service at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false information
• Abusive behavior toward our team or partners

11.3 Effect of Termination

Upon termination:

• Your right to use our Service immediately ceases
• We may delete your account and information
• Provisions that by their nature should survive termination will remain in effect

12. Dispute Resolution

12.1 Informal Resolution

Before filing any formal claim, you agree to contact us at [email protected] to attempt to resolve the dispute informally.

12.2 Arbitration Agreement

Any dispute arising from these Terms or our Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Arbitration provisions:

• Arbitration will be conducted in the United States
• Each party will bear their own costs and attorney’s fees
• The arbitrator’s decision will be final and binding
• You waive your right to a jury trial
• You waive your right to participate in class actions

12.3 Exceptions to Arbitration

Either party may seek injunctive relief in court to protect intellectual property rights.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of [YOUR STATE], without regard to conflict of law principles.

Any legal action or proceeding (excluding arbitration) shall be brought exclusively in the federal or state courts located in [YOUR COUNTY], [YOUR STATE].

14. Changes to Terms

14.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective:

• Immediately upon posting to our Website, or
• As specified in the updated Terms

14.2 Notice of Changes

Material changes will be communicated through:

• A prominent notice on our Website
• Email notification (if you have provided an email address)
• Updated “Last Modified” date at the top of these Terms

14.3 Continued Use

Your continued use of our Service after changes are posted constitutes acceptance of the updated Terms.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our Website, constitute the entire agreement between you and Startup Business Loan Online.

15.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, pandemics, or internet service failures.

16. Contact Information

For questions about these Terms, please contact us: