Terms of Service

1. Introduction

Welcome to undefined. These Terms of Service ("Terms") govern your access to and use of our website at cap24.com ("Site") and all services provided by undefined ("we," "us," or "our").

By accessing or using our Site and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Site or services.

2. Company Information

3. Acceptance of Terms

These Terms constitute a legally binding agreement between you and undefined. By accessing our Site, creating an account, submitting an application, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on our Site. Your continued use of our Site or services after any such changes constitutes your acceptance of the revised Terms.

4. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Be authorized to act on behalf of the business you represent
• Provide accurate and complete information
• Comply with these Terms and all applicable laws and regulations

5. Account Registration

To access certain features of our Site or services, you may need to create an account. You are responsible for:

• Providing accurate, current, and complete information
• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Promptly notifying us of any unauthorized use of your account

We reserve the right to suspend or terminate your account if any information provided is inaccurate, outdated, or incomplete, or if we believe you have violated these Terms.

6. User Responsibilities

When using our Site and services, you agree to:

• Provide accurate and truthful information in all communications and applications
• Use our services only for lawful purposes and in accordance with these Terms
• Not engage in any activity that could damage, disable, or impair our Site or services
• Not attempt to gain unauthorized access to any part of our Site or services
• Not use our services for fraudulent purposes or to conduct illegal activities
• Not use our services to send unsolicited communications or spam
• Comply with all applicable laws and regulations

7. Our Services

undefined provides business funding solutions, including Business Lines of Credit, Equipment Financing, and Working Capital Loans. Our services include:

• Evaluating funding applications
• Facilitating funding arrangements
• Providing account management tools
• Offering customer support

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice or liability.

8. Application Process

When you apply for funding through our services:

• You authorize us to obtain credit reports and other information about you and your business
• You represent that all information provided is accurate, complete, and not misleading
• You understand that we may approve or deny your application at our sole discretion
• You acknowledge that additional documentation may be required to process your application

Approval for funding is subject to our underwriting criteria and is not guaranteed. The specific terms of any funding arrangement will be provided in a separate agreement.

9. Marketing Communications and Consent

By providing your contact information and using our services, you consent to receive marketing communications from us, including:

• Email newsletters and updates
• SMS text messages
• Phone calls
• Direct mail

We obtain your express written consent to receive marketing communications when you:

• Submit a form on our website
• Create an account
• Apply for funding
• Opt in to receive communications through other means

You can withdraw your consent and opt out of marketing communications at any time by:

• Clicking the "unsubscribe" link in our emails
• Texting "STOP" to the number from which you received SMS messages
• Visiting our unsubscribe page
• Contacting us using the information in the "Company Information" section

10. SMS Communications and 10DLC Compliance

Our SMS marketing campaigns are registered and compliant with 10DLC (10 Digit Long Code) regulations. By consenting to receive SMS messages from us, you acknowledge and agree to the following:

• Message frequency may vary based on your account activity and preferences
• Message and data rates may apply
• You will receive marketing messages related to our services, promotions, and updates
• You can opt out at any time by texting "STOP" to the number from which you received messages
• You can text "HELP" for assistance

We comply with all applicable laws and regulations regarding SMS marketing, including the Telephone Consumer Protection Act (TCPA) and 10DLC requirements.

11. Intellectual Property

All content on our Site, including text, graphics, logos, images, software, and other materials, is owned by or licensed to undefined and is protected by 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 content from our Site without our prior written consent, except for:

• Temporary storage in your computer's memory for viewing our Site
• Printing or downloading one copy for personal, non-commercial use
• Sharing links to our Site

12. Third-Party Links and Services

Our Site may contain links to third-party websites or services that are not owned or controlled by undefined. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

13. Limitation of Liability

To the maximum extent permitted by law, undefined and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use our Site or services
• Any conduct or content of any third party on our Site
• Any content obtained from our Site
• Unauthorized access, use, or alteration of your transmissions or content
• SMS marketing campaigns or other communications

Our total liability to you for any claim arising from or relating to these Terms or our Site shall not exceed the amount paid by you, if any, for accessing our Site or using our services during the six months immediately preceding the date of the claim.

14. Indemnification

You agree to defend, indemnify, and hold harmless undefined and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to our Site or services
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your content or actions caused damage to a third party
• Your use of SMS or other marketing features

This defense and indemnification obligation will survive these Terms and your use of our Site or services.

15. Termination

We may terminate or suspend your access to our Site or services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our Site and services will immediately cease. If you wish to terminate your account, you may simply discontinue using our Site and services or contact us to request account deletion.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

16. Dispute Resolution

Any dispute arising from or relating to these Terms or our Site or services shall be resolved through the following process:

1. Informal Negotiation: We will attempt to resolve any disputes informally by contacting you.
2. Mediation: If the dispute cannot be resolved through informal negotiation, either party may initiate mediation by providing written notice to the other party.
3. Arbitration: If the dispute cannot be resolved through mediation, it shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association.

The arbitration shall take place in Orange County, California, and shall be conducted in the English language. The decision of the arbitrator shall be final and binding on both parties.

Notwithstanding the foregoing, we reserve the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of our copyrights, trademarks, trade secrets, or other intellectual property rights.

17. Governing Law

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

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

18. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will notify you of any material changes by posting the updated Terms on our Site and updating the "Last Updated" date. Your continued use of our Site or services after any such changes constitutes your acceptance of the revised Terms.

19. Entire Agreement

These Terms constitute the entire agreement between you and undefined regarding our Site and services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning their subject matter.

20. Contact Information

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