Terms and Conditions

1. Agreement Overview

These Terms and Conditions govern your use of the FundingFlow.tech website and your engagement with FundingFlow. By accessing our Site or scheduling a Funding Strategy Session, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use our Site or services.

2. What We Do

FundingFlow is a tech enabled funding concierge service. We help businesses, startups, nonprofits, and organizations identify and pursue funding opportunities including:

• Business loans
• Government grants
• Investor and venture capital
• Alternative capital solutions

We combine Big Data, AI, and dedicated human Account Managers to identify funding opportunities, prepare and submit applications, manage follow up communications, and provide real time dashboard access.

We are not a lender, grantor, or investor. All funding decisions are made by third parties.

3. No Guarantee of Funding

IMPORTANT: FundingFlow does not and cannot guarantee loan approval, grant awards, investment commitments, or any other form of funding.

Key points you must understand:

All funding decisions are made solely by third party lenders, grant programs, investors, and other funding sources. Their criteria, underwriting standards, and approval processes are outside our control.

4. Pay Per Close Fee Structure

4.1 No Upfront Fees

You pay $0 upfront to engage our services. There are no monthly subscription fees, no retainer fees, and no hidden charges.

4.2 Success Fee

You pay us a success fee only if and when you receive funding as a direct result of our services. The success fee is a percentage of the total funding amount you receive, disclosed to you in writing before any work begins, and agreed upon by both parties prior to the start of services.

4.3 When Payment Is Due

Payment is due within fourteen (14) days of funding being deposited into your bank account.

4.4 What Is Not Covered

You do not pay us for funding you receive from sources we did not identify or assist with, funding applications we did not work on, or funding that you secure entirely on your own without our involvement.

4.5 Refund Policy

Because we charge no upfront fees, refunds do not apply. If you are not satisfied before funding is secured, you may terminate our engagement at any time with no cost.

5. Client Responsibilities

To maximize your chances of funding approval, you agree to:

• Provide accurate, complete, and truthful information about your business and financial situation
• Respond promptly to requests from your Account Manager
• Review all applications and documents before submission
• Notify us immediately of any changes to your business, credit, or funding needs
• Comply with all applicable laws and regulations

Providing false or misleading information is grounds for immediate termination of services and may result in legal liability.

6. Our Responsibilities

We agree to:

• Assign you a dedicated Account Manager
• Use Big Data and AI to identify relevant funding opportunities
• Prepare and submit applications on your behalf (with your review and approval)
• Manage follow up communications
• Provide access to your real time funding dashboard
• Maintain confidentiality of your business information
• Act in your best interest at all times

7. Third Party Funding Sources

We work with a network of third party lenders, grant programs, investors, and capital providers. These third parties have their own terms and conditions, qualification criteria, interest rates and fees, repayment terms, and privacy policies.

You are responsible for reviewing and agreeing to all third party terms before accepting any funding. FundingFlow is not responsible for any third party actions, decisions, or terms.

8. Disclaimer of Warranties

Your use of our services is at your sole risk. Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

To the fullest extent permitted by law, FundingFlow disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non infringement
• Warranties that our services will be uninterrupted, error free, or secure
• Warranties regarding funding approval, amounts, or timing
• Warranties regarding the accuracy or completeness of third party information

No oral or written information provided by FundingFlow or its employees creates a warranty.

9. Limitation of Liability

To the maximum extent permitted by law, FundingFlow and its officers, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or goodwill
• Costs of substitute services
• Any other damages arising from your use of our services

Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the total success fee you paid to us in the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless FundingFlow and its officers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third party rights
• Any false or misleading information you provide
• Your acceptance or use of any funding from third party sources

11. Termination

11.1 By You

You may terminate our engagement at any time, for any reason, with written notice to your Account Manager. If you terminate before receiving funding, you owe us nothing.

11.2 By Us

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to violation of these Terms, provision of false or misleading information, abusive or harassing behavior toward our team, or non payment of success fees when due.

11.3 Effect of Termination

Upon termination, you owe us nothing if no funding was received. Any success fees due on funding already received remain payable. We will provide you with all application materials in our possession.

12. Intellectual Property

All content on our Site and in our services, including but not limited to text, graphics, logos, icons, images, software, and dashboards, is the property of FundingFlow or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, or distribute our content without written permission, use our trademarks or branding without written permission, or reverse engineer or attempt to extract our proprietary technology.

13. Privacy and Data Collection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to our collection, use, and sharing of your information as described in the Privacy Policy.

Key privacy commitments:

• We do not sell your personal information
• We share information only with third party funding sources you authorize
• You may request deletion of your data at any time

14. Electronic Communications

By scheduling a Funding Strategy Session or using our services, you consent to receive electronic communications from us, including emails, dashboard notifications, and messages regarding your funding campaign. You may opt out of non essential communications at any time.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state or jurisdiction in which FundingFlow operates, without regard to its conflict of law principles.

15.2 Dispute Resolution

Any dispute arising from or relating to these Terms or our services shall first be attempted to be resolved through good faith negotiation.

If negotiation fails, the dispute shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court having jurisdiction.

You agree to waive any right to participate in a class action lawsuit against FundingFlow.

16. Limitation of Time to File Claims

Any claim arising out of or relating to these Terms or our services must be filed within one (1) year after the claim arose; otherwise, the claim is permanently barred.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any success fee agreement signed with your Account Manager, constitute the entire agreement between you and FundingFlow regarding our services. They supersede all prior or contemporaneous communications, whether electronic, oral, or written.

19. Changes to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on our Site, sending an email to the address associated with your account, or notifying you through your dashboard.

Your continued use of our services after any changes constitutes acceptance of the new Terms.

20. Contact Information

For questions about these Terms, please contact us at:

21. Acknowledgment

By scheduling a Funding Strategy Session or using our services, you acknowledge that:

• You have read and understand these Terms
• You agree to be bound by them
• You understand that funding is never guaranteed
• You understand that you pay only if you receive funding
• You are at least 18 years old and have the authority to enter into this agreement

Summary For Quick Reference