Terms of Service

1. Acceptance of Terms

Welcome to Platinum Funding Services ("Platinum," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of platinumfundingservices.com, our online funding application, and the phone, email, chat, and text message communications that follow (together, the "Services"). By accessing or using the Services, you agree to these Terms and to our Privacy Policy.

If you do not agree, do not use the Services. We may update these Terms at any time by posting a revised version with a new effective date. Continued use after a change means you accept the revised Terms.

2. What We Do

Platinum Funding Services is a commercial finance broker. We are not a lender. We collect your funding request, review it, and present it to third-party lenders, funders, and financial institutions in our network ("Lending Partners") that we believe can serve it. Any offer you receive comes from a Lending Partner, on that partner's terms, at that partner's sole discretion.

We do not make credit decisions, issue loans, set rates, or guarantee that any Lending Partner will approve you, fund you within a particular time, or offer particular terms. Funding amounts, rates, fees, and timelines shown on our site are typical ranges across our network and are not commitments.

Submitting an application is free. We do not charge you a fee to check your options or to receive offers. Any costs of a funding product are disclosed by the Lending Partner in its offer and agreement, which you should read before signing.

3. Eligibility

The Services are for business use only. By using them you represent that:

• You are at least 18 years old.
• You are requesting funding for commercial or business purposes, not for personal, family, or household use.
• You have authority to act for the business named in your application and to bind it.
• The information you provide is true, accurate, current, and complete, and you will update it if it changes.

We may decline or stop processing any request if we have reason to believe the information provided is inaccurate or the request is fraudulent.

4. Communications, Calls, and Text Messages

5. Credit Inquiries and Documents

Checking your options with us does not involve a hard credit inquiry. If you choose to move forward with a specific offer, you authorize the Lending Partner making that offer to obtain your consumer and business credit reports and to verify the information in your application, including bank statements, identity documents, and business records you provide.

You are responsible for the accuracy of documents you submit. Submitting altered or fraudulent documents is a violation of these Terms and may be a crime.

6. Your Information

How we collect, use, share, and protect your information, including sharing with Lending Partners, is described in our Privacy Policy. By using the Services you consent to those practices. Each Lending Partner handles your information under its own privacy policy once your request is shared with it.

7. Your Decisions

You are under no obligation to accept any offer presented to you. Before signing with a Lending Partner, review the full agreement, including the total cost of capital, payment schedule, term, fees, prepayment terms, personal guarantees, and any liens. We encourage you to ask your specialist questions and to consult your own accountant, attorney, or financial advisor. Nothing we provide is legal, tax, or investment advice.

Any agreement you sign is between you and the Lending Partner. Platinum is not a party to it and is not responsible for the Lending Partner's performance, servicing, collections, or reporting.

8. Acceptable Use

You agree not to:

• Submit applications for a business you do not represent, or on behalf of another person without authority.
• Use the Services to commit fraud, launder money, or violate any law.
• Interfere with the operation or security of the website, or attempt to access data that is not yours.
• Copy, scrape, or reproduce our content or application flow for a competing service.

9. Intellectual Property

All content on the Services, including text, graphics, logos, icons, images, data compilations, and software, belongs to Platinum Funding Services or its licensors and is protected by United States and international copyright and trademark law. You may view and print pages for your own business use in connection with a funding request. Any other use requires our written permission.

10. Disclaimer of Warranties

The Services are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted or error-free, that any request will be approved, or that any offer will meet your needs.

11. Limitation of Liability

Read this section carefully

To the fullest extent permitted by applicable law, Platinum Funding Services, its affiliates, officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, use, goodwill, or other intangible losses, arising from:

• Your use of, or inability to use, the Services;
• Any offer, agreement, product, or conduct of a Lending Partner or other third party;
• Any decision you make in reliance on information provided through the Services; or
• Unauthorized access to, or alteration of, your transmissions or data.

Our total liability for any claim relating to the Services will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless Platinum Funding Services and its affiliates, officers, directors, employees, and agents from any claim, loss, or expense, including reasonable attorneys' fees, arising from your breach of these Terms, your misuse of the Services, or information you provided that is inaccurate or fraudulent.

13. Third-Party Sites

The Services may link to Lending Partner websites and other third-party sites. We do not control them and are not responsible for their content, terms, or privacy practices.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law rules. Any dispute arising from these Terms or the Services will be brought in the state or federal courts located in Delaware, and you consent to their jurisdiction. Our failure to enforce any provision is not a waiver of it. If any provision is found unenforceable, the rest remain in effect.

15. Contact Us

Questions about these Terms: