1. Description of Services

The Funding Fathers offers two categories of services. First, funding services, which consist of helping you identify and pursue business and personal funding products, which may include working capital, merchant cash advances, term loans, lines of credit, personal loans, and credit-based products. Second, credit repair services, which consist of reviewing your consumer credit reports and preparing and submitting disputes and challenges regarding items that appear inaccurate, incomplete, outdated, or unverifiable.

We do not offer, broker, or originate mortgage products or any other licensed products that we are not authorized to provide. We are not a credit counseling agency, a debt settlement company, a law firm, or a lender unless expressly stated in a separate written agreement.

Funding products are provided or approved by third parties and are subject to their underwriting. We do not guarantee approval, amounts, rates, or terms.

Credit repair work consists of a dispute and challenge process. We do not guarantee any specific outcome. See Section 4.

2. No Guarantee of Results

We do not promise or guarantee any specific result. For credit repair services, we do not guarantee that any item will be removed, corrected, or changed, or that your credit score will increase by any amount or at all. For funding services, we do not guarantee that you will be approved for any product, or for any particular amount, rate, or term. Any examples, figures, or estimates presented on our website or in our materials are illustrative only, and your results may vary.

3. Eligibility

You must be at least 18 years old and a resident of [the United States / eligible states to be confirmed] to use our services. By using our services, you represent that you meet these requirements and that all information you provide is accurate and complete.

4. Your Consumer Rights Regarding Credit Repair

Federal and state law gives you important rights, including the following. You have the right to dispute inaccurate information in your credit report yourself, for free, by contacting the credit bureaus directly. You are not required to use our services to do so. You have the right to cancel your contract for credit repair services within the time period required by applicable law, and to cancel the service thereafter in accordance with your service agreement. You have the right to receive a written contract and required disclosures before any credit repair services are performed.

[Insert the specific CROA and state-required disclosures, the right-to-cancel notice and cancellation form, and the contract terms required in each state where services are offered. Confirm all advance-payment and timing requirements with counsel.]

5. Funding Services Terms

Funding services are informational and facilitative. We may collect information from you and present it to third-party funding providers, and we may present offers from those providers to you. The decision to extend funding, and all terms of any funding, rests solely with the third-party provider. You are responsible for reviewing and understanding any agreement you enter into with a funding provider. We are not a party to that agreement unless expressly stated in writing.

6. Fees and Payment

Initial reviews described as free are provided at no cost. Fees for any paid service will be disclosed to you in writing before you agree to that service, and will be governed by your separate service agreement. [Insert fee structure, billing timing, and refund or money-back terms, confirmed with counsel to comply with CROA and state advance-fee rules.]

7. Client Responsibilities and Authorization

You agree to provide accurate, current, and complete information, and to update it as needed. You authorize us to take the actions reasonably necessary to perform the services you request, which may include obtaining and reviewing your consumer credit reports and communicating with credit bureaus, furnishers, and funding providers on your behalf, subject to a separate written authorization where required by law.

You will not use our services for any unlawful purpose or to submit false or misleading information.

You are responsible for maintaining the confidentiality of any account credentials and for activity under your account.

8. Communications Consent

By providing your phone number and submitting a request, you consent to receive calls, text messages, and emails from us regarding your inquiry and services, including by automated means where applicable. Consent is not a condition of purchase where prohibited by law. Message and data rates may apply. You may opt out of text messages at any time by replying STOP, and you may opt out of marketing emails using the unsubscribe link. See our Privacy Policy for details.

9. No Professional Advice

Our website and services are provided for general informational purposes and do not constitute legal, financial, tax, or credit counseling advice. We are not your attorney or financial advisor. You should consult a qualified professional before making decisions about your credit or finances.

10. Intellectual Property

All content on our website, including text, graphics, logos, and the brand name The Funding Fathers, is owned by or licensed to us and is protected by intellectual property laws. You may not copy, reproduce, or distribute it without our written permission.

11. Third-Party Services and Links

Our website may link to or integrate third-party services. We are not responsible for the content, products, or practices of any third party, and your use of third-party services is governed by their terms and policies.

12. Disclaimers

Our website and services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that our services will be uninterrupted, error-free, or will achieve any particular result.

13. Limitation of Liability

To the fullest extent permitted by law, The Funding Fathers and its owners, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or revenues, arising out of or related to your use of our services. [Insert any liability cap, confirmed with counsel.]

14. Indemnification

You agree to indemnify and hold harmless The Funding Fathers from any claims, damages, or expenses arising out of your misuse of our services or your violation of these Terms or applicable law.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles. [Insert dispute resolution terms, including any arbitration agreement, class-action waiver, and venue, confirmed with counsel and conspicuously disclosed as required by law.]

16. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted with a revised effective date. Your continued use of our services after changes take effect constitutes acceptance of the updated Terms.

17. Termination

We may suspend or terminate your access to our services at any time for any reason, including violation of these Terms. You may stop using our services at any time, and you may cancel paid services in accordance with your service agreement and applicable law.

18. Contact Us

Questions about these Terms can be directed to: [Legal Entity Name] d/b/a The Funding Fathers, [Mailing Address], [Email], [Phone].