Terms of Service
1. Acceptance of Terms
These Terms of Service ("Terms") govern your use of the website operated by LoanRival ("we," "us," or "our"). By accessing or using this website, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the website.
2. Website Eligibility
This website is intended for use by individuals who are at least 18 years old, located in the United States, and inquiring on behalf of a business they own or are authorized to represent. By using the website, you represent that you meet these requirements.
3. Description of the Inquiry Service
This website allows business owners to submit an inquiry requesting information about potential business-funding options. After you submit an inquiry, a representative may review the information and contact you to discuss options for which your business may qualify. Submitting an inquiry is not an application for credit.
4. No Guarantee of Approval or Funding
Submitting an inquiry does not guarantee that any funding option will be offered, that any application will be approved, or that funding will be provided. Available products, amounts, rates, fees, terms, and eligibility depend on the applicant, the provider, and applicable law.
5. No Financial, Legal, Tax, or Investment Advice
The content on this website is for general informational purposes only. Nothing on this website constitutes financial, legal, tax, accounting, or investment advice. You should consult your own qualified advisors before making financial decisions for your business.
6. Accuracy of Information You Submit
You agree that the information you submit through this website is true, accurate, and complete to the best of your knowledge, that you are authorized to submit it, and that you will not submit information about another person or business without authorization.
7. Authorization to Contact Regarding Your Inquiry
By submitting a funding inquiry or contact-form message, you authorize LoanRival to respond to you about that inquiry using the contact information you provided. This inquiry-related contact authorization is separate from — and does not include — marketing text messages or marketing calls, which require the separate optional consent described in Section 8.
8. Separate Optional Marketing Consent
Marketing text messages are sent only to individuals who checked the separate, optional, unchecked SMS marketing consent box on our funding inquiry form. Marketing telephone calls (including calls using automated dialing technology, prerecorded or artificial voice, or AI-generated voice technology) are made only to individuals who checked the separate, optional, unchecked telephone consent box. These are two independent consents — either may be given, withheld, or revoked without affecting the other. Each consent:
- Is optional and is not a condition of applying, purchasing any property, goods, or services, or receiving information about potential funding options;
- Is recorded together with the version of the disclosure shown and a client-side submission timestamp; and
- May be revoked at any time as described in Section 11.
9. SMS Program Terms
- Program / brand name: LoanRival
- Message categories: opt-in confirmations; informational messages about your funding inquiry and its status; marketing messages about potential business-funding options; and responses to HELP and STOP requests.
- Message frequency: varies.
- Cost: message and data rates may apply, depending on your carrier and plan.
- Opt out: reply STOP to any message to stop receiving text messages.
- Help: reply HELP to any message, or contact us through the contact form on our website.
- Consent: consent is not a condition of purchase, applying, or receiving services.
- Carriers: mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to carrier availability and effective transmission from your network operator.
10. Telephone and AI-Generated Call Terms
If you provided the optional marketing consent, calls from LoanRival may be placed using an automatic telephone dialing system and may use prerecorded or artificial voice or AI-generated voice technology. Calls related solely to responding to your inquiry may also be placed manually by a representative. You may request placement on our internal do-not-call list at any time.
11. Opt-Out and Revocation Methods
- Reply STOP to any text message to opt out of text messages.
- Tell a representative during any call that you no longer wish to be called.
- Contact us through the contact form on our website to revoke consent or request the internal do-not-call list.
Revocations are honored within the time required by applicable law. Opting out of marketing messages does not prevent us from sending a single confirmation of your opt-out or from responding to an inquiry you subsequently initiate.
12. Prohibited Uses
You agree not to: submit false or misleading information; use the website for any unlawful purpose; attempt to interfere with the operation or security of the website; scrape, harvest, or collect information about other users; submit automated form entries; or infringe the rights of others.
13. Intellectual Property
The website, including its text, graphics, logos, and design, is owned by or licensed to LoanRival and is protected by applicable intellectual-property laws. You may not copy, reproduce, or distribute website content without prior written permission, except for your own personal, non-commercial reference.
14. Third-Party Services
The website may reference or rely on third-party services (for example, website hosting and form processing). We are not responsible for the acts, omissions, or policies of third parties, and links to third-party websites do not constitute endorsement.
15. Disclaimers
THE WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
16. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SELECT ADVANCE FUNDING AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE WEBSITE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.
17. Indemnification
You agree to indemnify and hold harmless LoanRival and its officers, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the website.
18. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.
19. Dispute Resolution and Arbitration
Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of this website that cannot be resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its applicable rules, rather than in court. The arbitration will take place in the State of New York or, where required by law or the applicable rules, in a location reasonably convenient to you, and judgment on the arbitration award may be entered in any court of competent jurisdiction.
YOU AND SELECT ADVANCE FUNDING EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING. All claims must be brought in the parties' individual capacities and not as a plaintiff or class member in any purported class or representative proceeding. Either party may instead bring an individual claim in small-claims court. If the class-action waiver is found unenforceable as to a particular claim, that claim must proceed in court rather than arbitration.
20. Lending, Brokering, and Licensing
LoanRival funds certain transactions directly and arranges others through third-party financing providers. Certain states regulate commercial-financing brokers, lenders, and related disclosure requirements. Nothing on this website is an offer of financing in any state where such an offer would be unlawful.
21. Changes to These Terms
We may update these Terms from time to time. The effective date above indicates the most recent revision. Continued use of the website after changes take effect constitutes acceptance of the revised Terms.
22. Severability
If any provision of these Terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
23. Contact Information
LoanRival
Contact: through the request form on our website