Disclaimers

Draft for attorney review.

These disclaimers are part of our Terms of Use. Please read them carefully.

1. Educational purposes only

Everything in [App Name], including lessons, checklists, playbooks, calculators, scores, and recommendations, is general education. It is not personalized advice and does not consider your full situation.

2. Not financial, legal, tax, or accounting advice

We are not your financial advisor, attorney, accountant, or tax preparer, and no professional relationship is created by using the App. Talk to a licensed professional before making financial, legal, or tax decisions.

3. Not a credit repair organization

We are not a credit repair organization or credit services organization under the federal Credit Repair Organizations Act or the California Credit Services Act. We do not dispute items for you, contact credit bureaus or creditors for you, or charge any fee. You have the right to dispute inaccurate information on your credit report yourself, for free, with each credit bureau. Accurate negative information generally cannot be removed before the time allowed by law, and no one can legally promise to remove it.

4. Not a lender or broker

We do not make loans, arrange loans, or decide approvals, rates, terms, or amounts. Any funding is offered by independent third party lenders through our funding partner, [Funding Partner Name] [License Number, if any], subject to their own review and approval. Funding is not guaranteed. This App is education, not an offer of credit.

5. No guarantees

We do not guarantee any change to your credit scores, removal of any item, business credit result, loan approval, funding amount, rate, timeline, or business outcome. Results depend on your own history, actions, and the decisions of third parties.

6. Scores, calculators, and estimates

The funding readiness score, utilization, loan payment, and DSCR calculators, score tracker, and funding type suggestions are simplified estimates based on what you enter. They are not credit scores, underwriting decisions, or offers. Lenders use their own models.

7. Paid links and affiliate disclosure

Some links to free tools and services in the App are paid or affiliate links. If you sign up through them, we may or may not receive a commission. This never costs you more. Paid links are labeled "Paid link" next to the button, and free options are listed first. A paid relationship does not mean we endorse every feature of that provider.

8. Referral fees and referral partners

If a business loan funds through our funding partner, we may receive a referral fee from the broker or lender, including on later loans. If an independent referral partner (such as your accountant or realtor) introduced you, they may receive part of that fee or part of what you pay us for marketing services. Referral partners are independent and do not speak for us.

9. Our marketing services

The Company also operates WebSEO.pro, a marketing agency. The App may mention our marketing services. Buying them is optional and separate from the free App.

10. Third party sites and tools

Links to outside sites, tools, credit bureaus, and lenders are for convenience. We do not control them and are not responsible for their content, products, fees, decisions, security, or privacy practices.

11. Trademarks and no endorsement

Names of credit bureaus, banks, lenders, apps, and vendors mentioned in the App belong to their owners. Mentioning them does not mean they endorse us or that we are affiliated with them, except where a paid relationship is disclosed. We are not affiliated with any credit bureau or government agency.

12. Earnings disclaimer (referral partners)

Any commission examples are for illustration only. There is no guarantee that any referral partner will earn any money. Earnings depend on effort, clients, lender decisions, and funded loans.

13. Testimonials

If we ever show customer stories, they will be real, will reflect individual experiences, and will not be typical or guaranteed results.

14. Accuracy

Credit, lending, and business rules change often. We try to keep content current, but it may contain errors or be out of date. Check important information with the source or a professional.

15. Translations

The App is offered in English and Spanish. If there is any conflict between versions, the English version controls.