Terms of Service

Welcome to simplelendingsolution.com (the "Site"), operated by Simple Lending Solutions ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our Site and services. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Site.

1. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use our Site and services. By using our Site, you represent and warrant that you meet these eligibility requirements.

If you are submitting a funding application on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms and to any agreements that may result from the application process.

2. Services Description

Simple Lending Solutions provides business funding solutions, financial consulting, and related services. Our Site allows you to learn about our products, submit funding applications, use financial calculators, and contact our team.

Important: We are a financial services facilitator and may connect you with third-party lenders, banks, or financial institutions. We are not a bank. We do not guarantee approval of any application, specific funding amounts, interest rates, or terms. All funding decisions are subject to underwriting review, due diligence, and the approval criteria of the applicable lending partner.

The information, tools, and calculators provided on our Site are for informational and estimation purposes only. They do not constitute a loan offer, commitment to lend, or guarantee of any specific terms. Actual terms, rates, and amounts may differ based on your business profile, creditworthiness, and the lending partner's evaluation.

3. Application and Information Accuracy

When you submit a funding application or provide information through our Site, you agree to provide true, accurate, current, and complete information. You agree to update your information promptly if it changes.

Providing false, misleading, or incomplete information may result in the denial of your application, termination of services, and potential legal action. Submitting fraudulent information, including but not limited to false identity information, fabricated financial statements, or misrepresented business data, may be reported to appropriate law enforcement authorities.

You consent to our verification of the information you provide, including through third-party credit checks, identity verification services, bank statement analysis, and public records searches.

4. Credit Inquiries and Authorization

By submitting a funding application, you authorize Simple Lending Solutions and its lending partners to obtain consumer and/or commercial credit reports from one or more credit reporting agencies. This may include a soft inquiry (which does not affect your credit score) during the initial evaluation and a hard inquiry (which may affect your credit score) if you proceed with a formal application.

You also authorize us to share your application information with potential lending partners for the purpose of evaluating your funding request. Each lending partner may conduct their own credit inquiries and due diligence in accordance with their own policies and applicable law.

5. Intellectual Property

All content on this Site, including text, graphics, logos, images, icons, software, design elements, and compilations thereof, is the property of Simple Lending Solutions or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent, except for temporary copies in your browser cache and for personal, non-commercial use. You may not use any trademarks, service marks, or logos displayed on our Site without our written permission.

6. Prohibited Uses

You agree not to use our Site or services to:

• Violate any applicable federal, state, local, or international law or regulation
• Submit false, fraudulent, or misleading information
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Engage in any activity that could damage, disable, overburden, or impair our Site or servers
• Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks
• Use any automated means (bots, scrapers, crawlers) to access or collect information from our Site
• Introduce viruses, malware, or other harmful code
• Harvest or collect email addresses or personal information of other users
• Use our Site for any purpose that is unlawful, harmful, or fraudulent
• Interfere with the proper working of our Site or any transaction conducted on it

7. Disclaimers

No Guarantee of Funding

Submitting an application through our Site does not guarantee approval, funding, or any specific terms. All funding decisions are made at the sole discretion of the applicable lender or financial institution based on their underwriting criteria.

Informational Purposes Only

The content on our Site, including financial calculators, rate estimates, and product descriptions, is provided for general informational purposes only. It does not constitute financial, legal, tax, or investment advice. You should consult with qualified professionals before making financial decisions.

As-Is Basis

OUR SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR COMPLETENESS. WE DO NOT WARRANT THAT OUR SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Third-Party Content

Our Site may contain links to third-party websites or resources. We are not responsible for the content, products, or services offered by third parties. The inclusion of any link does not imply endorsement by Simple Lending Solutions. You access third-party sites at your own risk.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Simple Lending Solutions, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR SITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for all claims arising out of or relating to these Terms or your use of our Site shall not exceed the amount you paid to us, if any, during the twelve (12) months prior to the event giving rise to the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Simple Lending Solutions, its officers, directors, employees, agents, affiliates, and partners from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our Site or services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any information you submit that is false, fraudulent, or misleading; or (e) your infringement of any third-party rights.

10. Communications and Marketing

By providing your contact information, you consent to receive communications from us, including:

• Transactional communications related to your application or account (email, phone, SMS)
• Marketing and promotional communications about our products and services
• Communications from our lending partners related to your funding request

You may opt out of marketing communications at any time by clicking the unsubscribe link in any email, replying STOP to any text message, or contacting us directly. Opting out of marketing does not affect transactional communications related to your application or account.

By submitting your phone number, you consent to receive calls and text messages from Simple Lending Solutions and its partners at the number provided, including through the use of automated dialing systems and prerecorded messages. Standard message and data rates may apply. Consent is not a condition of purchasing any goods or services.

11. 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 disputes arising out of or related to these Terms or your use of our Site shall be resolved exclusively in the state or federal courts located in New York County, New York. You consent to the personal jurisdiction and venue of such courts.

Any cause of action or claim you may have arising out of or related to these Terms or the Site must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action or claim is permanently barred.

12. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Simple Lending Solutions regarding your use of our Site and supersede all prior agreements, understandings, and communications, whether written or oral. No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated "Last updated" date. Your continued use of the Site following the posting of changes constitutes your acceptance of those changes. We encourage you to review these Terms periodically.

15. Contact Information

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