ACKNOWLEDGMENT

By accessing and using United Capital Finance, you confirm that you are 18 years of age or older and capable of entering into a legally binding contract. Please note that United Capital Finance is not intended for individuals under the age of 18. You agree to abide by these Terms of Use and refrain from using the website for any unlawful or prohibited purposes. Our Privacy Policy is an integral part of these Terms of Use. United Capital Finance operates as an infomediary service, aiming to connect you with third-party lenders. We do not charge any fees for using our website or services. While our website is free to use, it is important to note that the owner of this website may have a financial arrangement with the providers mentioned on the website. This could involve receiving payment for qualified sales or referrals of potential customers.

THIRD PARTY CONTENT AND LINKS TO THIRD PARTY WEBSITES

United Capital Finance may occasionally provide links to other websites that we believe could be helpful to you, as well as publish content on our website that is supplied by third parties, including independent lenders (referred to as “Third Party Content”). Please note that Third Party Content is beyond the control of United Capital Finance, and we do not make any claims or representations regarding the quality, content, nature, or reliability of such Third Party Content or the services accessible through hyperlinks on our website. We also do not take responsibility for any changes, updates, or reviews on third-party websites or for any third-party websites that link to our website. Any opinions, advice, statements, services, offers, or other information or content expressed in Third Party Content are solely the views of the respective authors or distributors and not of United Capital Finance. The presence of third-party links should not be seen as an endorsement or recommendation of those websites or the products and services they offer. It’s important to note that once you leave our website, these Terms of Use no longer apply, and we encourage consumers to review the applicable terms of use and privacy policies of any third-party websites, including those of their lenders.

INTELLECTUAL PROPERTY

All the content provided on the United Capital Finance website, including information, materials, images, photographs, articles, functions, text, and other content (referred to as “website content”), is the exclusive property of United Capital Finance. The website and its content, along with their selection and arrangement, are protected by copyright laws and other intellectual property laws of the United States. United Capital Finance reserves all rights to the website and its content. Unless explicitly stated otherwise, the United Capital Finance name and all other trademarks, service marks, trade names, logos, or designations of source displayed on the website belong to United Capital Finance, its affiliates, or licensors. You are prohibited from distributing, displaying, or disseminating any of the documents, pages, images, materials, or content without the prior written consent of United Capital Finance. Nothing on this website should be interpreted as granting any right or license under any trademark, copyright, or other intellectual property right. Unauthorized use of the website or any of its content will result in the termination of the permission or license granted herein and may infringe upon applicable copyright and intellectual property laws. Modifying or adapting any part of the website or its content is strictly prohibited.

INDEMNITY

By using the website, you agree to indemnify, defend, and hold harmless United Capital Finance, its affiliates, licensors, and business partners, including but not limited to United Capital Finance’s service providers, a network of lenders, and banks, as well as their respective officers, directors, employees, agents, and representatives from any losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from claims, causes of action, procedures, or allegations arising out of or related to any violation of these terms, your use of the website, website content, or user content (including, but not limited to, infringement of third parties’ worldwide intellectual property rights or negligent or wrongful conduct) by you or any person accessing the website on your behalf. United Capital Finance reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to defense by you.

DISCLAIMER OF WARRANTIES

United Capital Finance makes reasonable efforts to ensure the accuracy of the information presented on this website, but we cannot guarantee its accuracy. The website, website content, and user content are provided on an “as is” and “as available” basis, without any warranty, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, accuracy, non-infringement, or enjoyment.

We do not guarantee that the website content or user content on the website is up-to-date, accurate, or complete. Therefore, you should not rely solely on the website for making any decisions or taking any actions. We hereby disclaim any warranty that the website content or user content on the website will be uninterrupted, error-free, or free from viruses, worms, Trojan horses, or any other code that may have contaminating or destructive properties.

LIMITATION OF LIABILITY

Under no circumstances shall United Capital Finance, its affiliates, business partners, or any other parties involved in the development, production, or delivery of this website be held responsible for any direct, incidental, consequential, special, indirect, punitive damages, or attorney’s fees arising from a consumer’s access to or use of this website. Your sole and exclusive remedy, as well as United Capital Finance’s sole and exclusive liability to you for any reason, is for you to discontinue your access to or use of the website. This limitation of liability applies to the fullest extent permitted by law in the applicable jurisdiction.

COMPLIANCE WITH APPLICABLE LAWS

By using the website, you agree to abide by all relevant federal, state, and local laws, regulations, and rules governing your activities. United Capital Finance retains the right to terminate any account associated with this website and prohibit your further use of the website if such account is found to be involved in illegal activities or in violation of these Terms of Use. Additionally, United Capital Finance reserves the discretion to report any actual or suspected violations of the law to law enforcement or the appropriate authorities.

PRIVACY PRACTICES

These Terms incorporate, are subject to, and form an integral part of our Privacy Policy. You can click here to review the Privacy Policy on our website.

LOAN REQUEST ACCEPTANCE POLICY

Please note that receiving an order confirmation does not imply acceptance of your loan request or guarantee funding from United Capital Finance. We retain the right to accept or decline your loan request at our discretion, without providing a specific reason. There may be instances where we require additional verifications or information before approving your loan request. It is important to understand that our website cannot be held responsible for unfunded requests or unsuccessful funding due to an applicant’s ineligibility for funding.

MODIFICATION

United Capital Finance retains the authority to make changes to these Terms of Use periodically. By continuing to use the website following any modifications, you signify your acceptance and agreement to the updated terms and conditions. It is important to note that these Terms apply to your present visit to the website and may not necessarily govern any future visits. Different terms may be posted on this page during your next visit, so we recommend reviewing the terms each time you access the website.

SEVERANCE

These Terms of Use are enforced to the maximum extent permitted by law. In the event that any provision of these Terms is determined to be unlawful, void, or unenforceable, that specific provision is considered separable from these Terms. The invalidity or unenforceability of one provision does not impact the validity and enforceability of the remaining provisions. The headings used in these Terms of Use are provided for convenience purposes only and do not affect the drafting or interpretation of these Terms.

NO WAIVER OF TERMS

The failure of United Capital Finance to enforce any provision of these Terms of Use shall not be interpreted as a waiver of that provision or any future provisions.

LAW AND VENUE

The Terms of Use, including the understanding, execution, and enforcement of rights and obligations by United Capital Finance, shall be interpreted in accordance with the laws of the State of Nevada. However, this excludes any conflict or choice of law principle that would result in the application of another jurisdiction’s laws to the parties’ rights and duties. Both you and United Capital Finance agrees to the exclusive jurisdiction and venue of the federal and state courts located in Clark County, Nevada.

USE OF United Capital Finance

The website United Capital Finance retains the authority, at its own discretion, to limit or prohibit your use of the website, any website content, and any user content from third parties, either partially or entirely, at any time, with or without prior notice, and for any reason or no reason at all.

MISCELLANEOUS

United Capital Finance does not guarantee that the website is suitable or accessible for use outside of the United States. The provision of this website and its content by United Capital Finance does not constitute any distribution or solicitation for individuals to use the website or its content in jurisdictions where such provision is prohibited by law. When using the website, you explicitly agree to comply with all applicable federal, state, and local laws, regulations, and rules. United Capital Finance reserves all rights not expressly granted.

In the event of any dispute regarding these Terms of Website Use, the Website, or any of our services, you agree to resolve the dispute through arbitration conducted by the American Arbitration Association (“AAA”) in the county where you reside. You may initiate arbitration by filing a Demand for Arbitration. The arbitrator will have exclusive authority to settle any dispute, including the enforceability of these Terms of Website Use. Opting Out of Arbitration/Class Action Waiver. The Terms & Conditions do not waive your rights and remedies to individually pursue a claim or participate in a class action lawsuit in binding arbitration, as outlined above. The provision that prevents you from bringing, joining, or participating in class action lawsuits is a separate agreement. You have the option to opt out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days from the date of your initial registration on the United Capital Finance website. By accepting these Dispute Resolution Provisions, you acknowledge and agree to waive your right to a jury trial and your ability to bring or participate in a class action lawsuit or multi-party arbitration against United Capital Finance, any related individuals, or any service provider used by United Capital Finance.

CONTACT INFORMATION

If you have any questions regarding these Terms, you may contact us here.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES

By submitting a request to connect with independent, third-party lenders (“Third Party”), you are acknowledging that these lenders require your consent to use electronic signatures, records, and disclosures (“E-Consent”) in order to provide you with their services. This disclosure serves to inform you of your rights when it comes to receiving electronic disclosures, notices, and information. When you click on the link to consent to our terms, you confirm that you have received this E-Consent and agree to conduct transactions using electronic signatures, disclosures, records, and contract documents (“Disclosures”).

OPTION FOR PAPER OR NON-ELECTRONIC RECORDS

To obtain paper copies of any Disclosures, please contact the independent, third-party lenders directly. They will furnish the paper copies to you without any cost, and they are also likely to retain all Disclosures as mandated by applicable law.

SCOPE OF CONSENT

This E-Consent is applicable to all online interactions between you and the independent, third-party lenders, including those conducted on mobile devices such as smartphones and tablets. By giving your consent to this E-Consent, you authorize the third party to electronically process your information and engage in all online interactions with you. Additionally, the third party may send you electronic notices pertaining to their interactions and transactions.

CONSENTING TO DO BUSINESS ELECTRONICALLY

Prior to engaging in electronic transactions with a third-party lender, it is essential to assess whether you possess the necessary hardware and software capabilities outlined below.

HARDWARE AND SOFTWARE REQUIREMENTS

In order to access and save the electronic disclosures, you will require the following computer software and hardware: a PC or MAC-compatible computer or any other device that can connect to the internet, an active email account, and an internet browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer or Mozilla Firefox®. To view certain documents, you may need a PDF file reader like Adobe®. Additionally, you may need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the disclosures for future reference. If you have any questions regarding the hardware and software requirements, please reach out directly to the third-party lender.

WITHDRAWING CONSENT

Once you provide your E-Consent for our infomediary services and for our third party’s evaluation of your request, it cannot be revoked as it pertains to a one-time transaction. However, please note that if you are connected with independent third-party lenders, you retain the freedom to withdraw your E-Consent from them at any time and without incurring any fees. Withdrawing this E-Consent will not impact the legal validity, effectiveness, and enforceability of prior electronic disclosures that have been made.

CHANGES TO YOUR CONTACT INFORMATION

To ensure that any independent, third-party lenders you are associated with are kept updated, it is important to inform them promptly about any changes to your electronic or mailing address. You can easily update this information by either logging into the respective third party’s website or by sending them a written update through the mail.

CONSENT

By clicking the provided link, you confirm that you have read and understood the information regarding electronic signatures, records, disclosures, and conducting business electronically. You consent to these terms and acknowledge that you can access the disclosures in the specified formats as mentioned earlier. Furthermore, you agree to use electronic signatures, receive all disclosures electronically, and conduct business electronically with third parties, including independent third-party lenders. You are aware that you have the option to request a paper copy of the electronic records and disclosures, which will be provided to you at no cost. If you choose not to proceed, it indicates that you do not wish to use electronic signatures or engage in this transaction electronically. Additionally, you acknowledge that your consent to electronic disclosures is necessary to receive services from third-party lenders via the Internet.