Terms of Service
These terms govern your use of our website and services. Please read them carefully before using our platform.
Last updated: December 2024
Clear and Fair Terms
Our terms of service are designed to be transparent and protect both our clients and our business. We believe in clear communication and fair practices throughout your financing experience.
These terms have been carefully crafted with input from legal experts to ensure compliance with all applicable laws while maintaining simplicity and clarity for our clients.
Acceptance of Terms
By accessing and using the Halo Business Finance website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
These terms may be updated from time to time, and your continued use of our services constitutes acceptance of any changes.
Description of Services
Halo Business Finance is a direct CRE & equipment lender providing commercial financing solutions to businesses. Our services include:
- Loan application processing and submission to lenders
- Pre-qualification services for business financing
- Educational resources and loan calculators
- Customer support throughout the lending process
Important: As a direct CRE & equipment lender, we make our own lending decisions and underwrite loans directly. All loan approvals and terms are determined by our underwriting team.
User Responsibilities
As a user of our services, you agree to:
- Provide accurate and truthful information in all applications and communications
- Maintain the confidentiality of any login credentials
- Use our services only for lawful business purposes
- Not attempt to circumvent our security measures or systems
- Comply with all applicable laws and regulations
- Notify us immediately of any unauthorized use of your account
Application Process and Fees
No Cost to Borrowers
Our marketplace service is provided at no cost to borrowers. We are compensated by lenders when loans are successfully funded.
Application Submission
By submitting an application, you authorize us to:
- Share your information with qualified lenders in our network
- Obtain credit reports and verify the information provided
- Contact you regarding your application and other financing opportunities
Disclaimers and Limitations
No Guarantee of Approval
We do not guarantee loan approval, specific terms, or funding. All lending decisions are made solely by individual lenders based on their own criteria.
Information Accuracy
While we strive to provide accurate information, we make no warranties about the completeness or accuracy of content on our website.
Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for the content or practices of these third parties.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.
By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Halo Business Finance or our licensors and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, or create derivative works from our content without express written permission.
Limitation of Liability
To the maximum extent permitted by law, Halo Business Finance shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.
Our total liability for any claims related to our services shall not exceed the amount of fees, if any, that you have paid to us.
Governing Law and Disputes
These Terms of Service are governed by the laws of the State of California, without regard to conflict of law principles.
Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Contact Information
If you have questions about these Terms of Service, please contact us:
Email: legal@halobusinessfinance.com
Phone: (800) 730-8461
Mail: Halo Business Finance
Legal Department
Irvine, CA
Severability
If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.