Clear terms for using Advantage online.

By accessing or using the Service, submitting information through an Advantage form or application, or otherwise interacting with the Service, you agree to be bound by these Terms of Service and all applicable laws and regulations.

Advantage Merchant Funding provides information and access to business funding related services. The Service may include online applications, business funding information, document collection, communications, customer support, partnership information, and other services made available through the website.

Advantage may present or facilitate access to different business funding structures. Certain products or services may be provided, arranged, or supported by third party providers.

You may use the Service only if you are legally able to enter into binding agreements and have authority to act on behalf of the business for which you submit information.

If you submit information for a business, you represent that you are authorized to provide that information and to communicate with Advantage regarding the business.

You agree to provide complete, accurate, and current information when using the Service. You are responsible for the accuracy of business, ownership, financial, contact, and supporting information that you provide.

You agree not to submit information that is false, misleading, fraudulent, or that you are not authorized to provide.

Submitting an application does not guarantee approval, a particular amount of capital, a particular price, a particular structure, or any specific timing. Funding availability depends on the business profile, supporting information, documentation, review findings, eligibility, and final terms.

A merchant cash advance is generally structured as a purchase of future receivables rather than a traditional term loan. Business loans and lines of credit have different structures and may be subject to separate agreements and provider requirements.

You are responsible for reviewing all funding documents and agreements carefully before accepting any funding offer.

By providing contact information to Advantage, you authorize Advantage to communicate with you regarding your inquiry, application, account, requested services, documents, support needs, and related business matters.

Communications may occur by telephone, email, SMS, or other electronic methods where permitted by law and consistent with your consent.

Message and data rates may apply to SMS communications. You may reply STOP to opt out of future SMS messages and HELP for additional information.

You agree that electronic communications, records, disclosures, notices, and signatures may satisfy legal requirements that such communications or agreements be in writing, to the extent permitted by applicable law.

You are responsible for maintaining access to the email address, phone number, and devices used to receive electronic communications from Advantage.

The Service may contain links to or integrations with third party websites, software, service providers, payment providers, document providers, data providers, or other external services. Advantage does not control all third party services and is not responsible for their separate terms, privacy practices, availability, or content.

Your use of third party services may be subject to separate agreements between you and the applicable third party.

You agree not to misuse the Service. Prohibited conduct includes:

• Submitting fraudulent, deceptive, or unauthorized information.
• Attempting to gain unauthorized access to the website, systems, accounts, or data.
• Using automated systems to interfere with, overload, scrape, or disrupt the Service.
• Uploading malicious code or content intended to damage, disable, or impair the Service.
• Using the Service in violation of applicable law or the rights of another person or business.

The Service, including the Advantage name, logos, branding, website design, text, graphics, software, and other content made available by Advantage, is owned by or licensed to Advantage and is protected by applicable intellectual property laws.

You may use the website for your own lawful business purposes. You may not copy, reproduce, modify, distribute, sell, license, or exploit protected content without prior written permission from Advantage or the applicable rights holder.

The Service is provided on an as available basis. To the fullest extent permitted by law, Advantage does not guarantee that the website will always be uninterrupted, error free, secure, or available at all times.

Information on the website is provided for general informational purposes and does not constitute legal, tax, accounting, or investment advice.

You should evaluate your own business circumstances and obtain independent professional advice where appropriate.

To the fullest extent permitted by applicable law, Advantage and its officers, employees, affiliates, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the Service.

Nothing in these Terms excludes liability that cannot legally be excluded or limited under applicable law.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Advantage and its officers, employees, affiliates, agents, and service providers from claims, liabilities, losses, damages, costs, and expenses arising from your misuse of the Service, your violation of these Terms, your violation of applicable law, or information you submit without proper authority.

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles, except where applicable law requires otherwise.

Any legal proceeding relating to these Terms or the Service may be brought in a court of competent jurisdiction in New York, subject to applicable law and any separate written agreement governing a specific transaction or service.

Advantage may update these Terms from time to time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Service after updated Terms are posted constitutes acceptance of the updated Terms to the extent permitted by law.