FTC Disclosures

THESE DISCLOSURES SUPERSEDE ANY VERBAL AGREEMENTS AND/OR REPRESENTATIONS. PLEASE READ THEM CAREFULLY TO AVOID ANY MISUNDERSTANDINGS. THESE DISCLOSURES ARE PROVIDED TO BOTH ENTREPRENEUR AND CREDIT PARTNER (A.K.A. “BUSINESS PARTNER”) AT VARIOUS STAGES THROUGHOUT THE PROCESS.

DISCLOSURES FOR ENTREPRENEURS

1. Personal Responsibility for Credit Usage: The Credit Partner (a.k.a. “Business Partner”) is assisting you by using their personal credit to help your company obtain funding. You are personally responsible for repaying all debts that arise from that credit usage. You must not expect or request that the Credit Partner take responsibility for those debts.
   
   
2. Verify Credit Partner’s Credit Before You Proceed: The Match Fee is based on the Credit Partner’s lowest credit score (of the three bureaus), as reflected in a report dated within 30 days of your acceptance. You are responsible for verifying this score and deciding if it’s acceptable to you before signing the Partnership Agreement or the Certification of Order Completion. We do not guarantee credit scores or cooperation after the match is made.
   
   
3. Due Diligence is Your Responsibility: We facilitate an introduction between you and a vetted Credit Partner, but we do not guarantee personality compatibility, business success, or long-term cooperation. You are responsible for assessing compatibility and credit reliability in the 3-way meeting before proceeding.
   
   
4. What the Match Fee Buys: The Match Fee purchases our Business Partner Search & Match Service. Once payment is received we begin searching for, evaluating and presenting potential Business Partners, and we incur costs doing so. The fee is therefore earned, final and non-refundable once the service begins, subject to our obligation to perform it. It does not buy funding: a completed match does not guarantee financing or any particular result, and no refund is owed based on how much financing you obtain or don’t obtain.
   
   
5. No Guarantees or Predictions About Funding: Many factors affect funding: your execution, the Credit Partner’s credit, the lender’s policies, the current economy, etc. For legal and practical reasons, we cannot and do not guarantee any funding results.
   
   
6. Geographic Restrictions May Apply: If you are located outside the U.S., some lenders or banks may reject your application due to local or international restrictions. These third-party limitations are out of our control and do not affect our refund policy.
   
   
7. Understanding Credit Score Limitations: Credit scores below 680 may still work but may require some work—paying down debt, adding tradelines, etc. You are responsible for taking the necessary steps to qualify if you choose a Credit Partner with a sub-680 score.
   
   
8. Notarization for Security: To protect our Credit Partners, you will need to notarize documents. U.S.-based users must use Notarize.com or similar. If you’re overseas, you may use a local notary—just be sure we can verify it.
   
   
9. Payment Must Be in U.S. Dollars: If you’re using a non-U.S. bank, all currency conversion costs and delays are your responsibility. Payments must be made in USD.
   
   
10. You Don’t Need to Live in the U.S.: You can use this service from outside the United States. But this service will not help with U.S. visas, green cards, or immigration. It is strictly a business and funding partnership process.
    
    
11. Language and Legal Understanding: All documents are in English and governed by U.S. law. If English is not your native language, you are responsible for getting a professional translation before signing anything.
    
    
12. Our Business Partner Search & Match Service: Funding Partnerships provides a Business Partner Search & Match Service. The Match Fee is paid in advance and becomes earned, final and non-refundable once payment is made and the service begins, subject to Funding Partnerships’ obligation to perform the Search & Match Service described in the applicable agreement. A completed match does not guarantee financing or any particular financing result.

DISCLOSURES FOR CREDIT PARTNERS (BUSINESS PARTNERS)

1. Entrepreneur is Fully Responsible for the Debt: Under the Partnership Agreement between the Credit Partner and the Entrepreneur, the Entrepreneur is responsible for repayment. However, if the Credit Partner signs or personally guarantees financing, the lender may hold the Credit Partner responsible under the lender’s agreement if the Entrepreneur does not perform.
   
   
2. Do Your Due Diligence: You’ll have a chance to meet the Entrepreneur in a 3-way video call. Use this opportunity to ask all the questions you want and make sure you’re comfortable before you sign the Partnership Agreement. After that, the match is considered final.
   
   
3. Participation Involves Credit and Financial Risk: The Partnership Agreement includes contractual protections designed to help structure, minimize and control certain risks including indemnification, reserve account options, limited liability, optional security interest and dispute resolution by binding arbitration but these protections do not eliminate risk.
   
   
4. Our Role After the Match: Our primary role is facilitating the initial match and matching process. We do not control lender decisions, funding outcomes, repayment performance, or the parties’ subsequent relationship.
   
   
5. You’re Not Signing Up for Anything Immigration-Related: You are not expected to sponsor or support the Entrepreneur’s visa, relocation, or immigration in any way. You’re simply helping enable U.S.-based business funding using your credit.
   
   
6. Language and Legal Understanding: All agreements are written in English and governed by U.S. law. If English is not your first language, we advise you to review a translated version before signing. You must be able to understand and accept the terms as written.
   
   
7. Your Information Is Protected, But Use Common Sense: We only share your information with matched Entrepreneurs. Be cautious during interactions—just like with any professional relationship. If anything ever feels off, let us know before signing anything.
   
   
8. You Have Final Say: You’re under no obligation to proceed with any match. If something doesn’t feel right in the 3-way call or before signing, you can walk away. No one is forced to complete the Partnership Agreement.
   
   
9. Signing = Commitment: Once you sign the Partnership Agreement, the Entrepreneur will begin moving forward based on your credit. That’s why it’s critical that you feel confident before proceeding.
   
   
10. Legal Protection and Arbitration: Certain private disputes may be subject to binding arbitration under the applicable agreement. Nothing limits lawful communications with governmental or regulatory agencies or any rights that cannot legally be waived.

These disclosures are designed to keep everyone fully informed and protected. If anything is unclear, please ask us before moving forward. Once the match is made, both Parties are expected to follow the Partnership Agreement in good faith.

TERMS SPECIFIC TO CREDIT CARD PAYMENTS:

You authorize us to charge you credit card for the purchase price, and agree that if you decide to split this payment among more than one of your credit cards, that each of your credit cards may be charged without the need for additional authorizations, as long as the total charged does not exceed the purchase price.

You certify that we have verified your credit card (front and back) and photo identification to confirm your identity, and that you are both the customer and the cardholder in this transaction.

You accept the Services(s) provided for the Purchase Price as delivered in full as soon as you sign the Certification of Order Completion or when you acknowledge that you have received the Contact Information for the Credit Partner we have matched you with. This shall serve as final proof of the Service(s) being completed satisfactorily, and as final proof that the amount charged has been fully earned.

You understand that Partial Payment(s) towards the Purchase Price shall be considered as a Non-Refundable Deposit towards your Order for a mutually agreed-upon period of time, which shall never exceed 30 Days. In the event this time period expires and the balance of the Purchase Price is not yet paid, you agree that your Partial Payment(s) shall become Store Credit, available for future use with us for a maximum period of 6 months, after which the store credit will expire.

You agree that due to the intrinsic nature of the Service(s), the Service(s) and any associated Product(s) (if any) that may be included with the Service(s) cannot be cancelled and are NON-REFUNDABLE.

ALL SALES ARE FINAL AND NON-REFUNDABLE.