Last updated April 2026. The agreement between you and Lendflow Capital.
AS DETAILED IN THE ARBITRATION, JURY TRIAL WAIVER, AND CLASS ACTION WAIVER PROVISIONS BELOW, THIS AGREEMENT INCLUDES A WAIVER OF CLASS ACTION RIGHTS AND A WAIVER OF YOUR RIGHT TO A JURY TRIAL, AND MAY REQUIRE YOU TO ARBITRATE CERTAIN DISPUTES.
This website (including all sub-sites) is operated by Lendflow Capital or one of its subsidiaries or affiliates (collectively, “Lendflow Capital,” “we,” or “us”). By accessing a Lendflow Capital website, mobile application, interface, or platform (collectively, “Site” or “Sites”) that links to this Terms of Use Agreement (the “Terms of Use” or “Agreement”), you agree to comply with this Agreement and our Privacy Policy (which is incorporated by reference), regardless of the device you use (e.g., personal computer, mobile device, or other technology/software) for access. These Terms of Use govern your access to and use of the Sites and any tools, features, functionality, services, or products offered on or through the Sites, including your access to information and data; your use of any web portal, customer account, sales partner account, syndicate investor account, or online services; your submission of applications and/or provision of information for financing qualification or other purposes; your subscription to blogs, newsletters, or similar content; and your participation in any public areas on the Sites (collectively, the “Services”). In addition to these Terms of Use and the Privacy Policy, some services offered through the Sites, such as submitting requests for commercial financing and related services, will be governed by separate terms and conditions or contracts that will be provided to you and must be agreed to in connection with those requests or transactions. If there is a conflict between these Terms of Use and a transaction-specific agreement, the transaction-specific agreement will take precedence.
PLEASE READ THESE TERMS OF USE CAREFULLY TO UNDERSTAND EACH PROVISION. THIS IS A LEGAL AGREEMENT BETWEEN YOU AND Lendflow Capital FOR THE USE OF THE SERVICES, AND THE TERMS OF USE APPLY TO ALL USERS OF THE SITES. IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITES, SERVICES, AND/OR CONTENT.
We may update these Terms of Use periodically by posting a revised version on the Sites. If the revised version includes significant changes, we will provide a more prominent notice (including email or other notifications for certain services) before the changes take effect. Your continued use of the Sites will constitute acceptance of the updated Terms of Use. We encourage you to periodically review this page for the latest information.
You may view and use the Sites and/or any information or Services only in accordance with these Terms of Use. You agree to use the Sites and/or Services only for lawful purposes and acknowledge that failure to do so may subject you to civil and criminal liability under applicable law. The Sites are intended for individual business owners and legal entities organized and authorized to do business in the United States and are not intended for use by others or outside of the United States. To access certain features of the Site, you may need to register for an account and provide us with certain documentation or information, including details about your identity, finances, and business performance.
By creating or accessing a user account, submitting a request for commercial financing, and/or using the Sites in any other way, you represent and warrant that: (i) you are at least 18 years old and fully able to enter into a binding agreement; (ii) all information and/or documentation you submit is true, accurate, current, and complete; (iii) you will update such information as necessary to keep it accurate, current, and complete; and (iv) the information belongs to you and does not infringe upon or violate any patents, copyrights, trademarks, or other intellectual property, proprietary, or privacy rights of any third party.
Lendflow Capital reserves the right, at its sole discretion, to restrict or deny your access to and use of the Sites, Services, and Site content at any time, with or without notice, and for any reason.
You agree not to violate any law, contract, intellectual property, or other third-party rights and that you are solely responsible for your actions when accessing or using the Sites or Services. As mentioned, the Sites and Services are only to be used for lawful purposes and in accordance with this Agreement. Additionally, you specifically agree not to:
Each user is responsible for the security of their account, even if another individual (such as a friend or family member) misuses it. Users must take all reasonable steps to protect their accounts from unauthorized access, including not sharing passwords and regularly updating them. Users are prohibited from using their account to breach the security of other users’ accounts or to gain unauthorized access to other systems. Lendflow Capital reserves the right to terminate your access to the Sites or cancel your account at any time without notice for any reason, including violations of these Terms of Use.
All information, materials, images, software, text, and content provided by Lendflow Capital on the Sites are the exclusive property of Lendflow Capital or its licensors. The Sites and content are protected by intellectual property laws, including copyrights and trademarks. Users must comply with these laws and may not copy, use, or modify any content without express permission from Lendflow Capital. Third-party trademarks are the property of their respective owners and may not be used without permission.
Any information or content you submit to Lendflow Capital (a “Submission”) will become the property of Lendflow Capital. Lendflow Capital is not obligated to treat submissions as confidential and may use the ideas or content submitted in future products, services, or operations without compensating you. Lendflow Capital may permit the posting of text, images, videos, and other materials (collectively, “User Content”) on certain areas of the Sites. By posting User Content, you acknowledge that such content will not be treated as confidential and may be used or removed by Lendflow Capital at its discretion. Lendflow Capital reserves the right to accept, refuse, or remove any User Content for any reason, including content that violates these Terms of Use or is deemed illegal or objectionable. While Lendflow Capital is not responsible for monitoring User Content, users can report any concerns to info@lendflowcapital.com.
All User Content must comply with these Terms of Use. By submitting User Content, you represent and warrant that: (i) you own or have the necessary licenses, rights, consents, or permissions to use and authorize Lendflow Capital to use any patent, copyright, trade secret, trademark, or other proprietary rights required for inclusion and use of the User Content in accordance with these Terms of Use; and (ii) you have obtained the necessary written consent, release, or permission from any identifiable individuals or businesses in your User Content to use their name, likeness, or other personal characteristics, as applicable, for inclusion in the User Content in accordance with these Terms of Use. You are fully responsible for any User Content you submit or post, and for the consequences of doing so. By submitting or posting User Content, you grant Lendflow Capital a non-exclusive, irrevocable, perpetual, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, display, modify, create derivative works from, and otherwise exploit your User Content across all media and platforms, including but not limited to the internet, social media, television, radio, or any other media, to the fullest extent allowed by law. You also grant each user of the Sites a non-exclusive license to access and use your User Content through the Sites, including the right to reproduce, distribute, transmit, display, and perform your User Content as permitted by these Terms of Use.
Lendflow Capital may link to third-party websites or provide information about third-party products, services, or events, or allow third parties to make their content available on or through our Sites (collectively “Third-Party Content”). Lendflow Capital does not control or endorse any Third-Party Content and makes no representations or warranties regarding it. Your access to and use of such Third-Party Content is at your own risk, and Lendflow Capital assumes no liability for it. Any dealings or interactions with third parties and your use of Third-Party Content are solely between you and the third party. When leaving our Sites, please note that these Terms of Use no longer apply, and you should review the relevant terms, policies, and practices of any third-party sites.
We respect copyright ownership and expect users to do the same. Our goal is to prevent access to the Sites by repeat copyright infringers. If you believe any content on our Sites infringes your copyright, you may submit a Digital Millennium Copyright Act (“DMCA”) notice to Lendflow Capital by sending an email or mail to our designated agent:
Lendflow Capital
ATTN: Legal Department
12000 Biscayne Blvd, Miami, FL 33181
info@lendflowcapital.com
Your DMCA notice should include the following:
Please consult the DMCA or a legal advisor before submitting a notice.
The Sites (including all content, services, and third-party links) are provided “as is,” without warranty of any kind. We do not guarantee that the Sites are accurate, up-to-date, or complete, and you should not rely on them for making decisions. We do not warrant that the Sites will meet your requirements or are free of errors, interruptions, or viruses.
To the maximum extent permitted by law, Lendflow Capital (including its subsidiaries and affiliates) is not liable for any damages (including direct, special, indirect, incidental, or consequential damages) arising from your use of the Sites, Site Content, User Content, or any associated services.
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Lendflow Capital (including its subsidiaries, affiliates, licensors, and their respective officers, directors, employees, agents, and representatives) from and against all claims, actions, liabilities, losses, demands, damages, expenses, and costs (including attorney’s fees) (collectively, “Claims”) arising from or related to: (i) your access to or use of the Sites or Services; (ii) any violation, misappropriation, or infringement of the rights of others (including intellectual property or privacy rights); and (iii) any breach of these Terms of Use. You will promptly notify Lendflow Capital of any third-party Claims, cooperate with Lendflow Capital in defending such Claims, and cover all fees, costs, and expenses associated with defending these Claims (including attorneys’ fees). Lendflow Capital reserves the right to assume exclusive control over the defense or settlement of any third-party Claims at its sole discretion.
PLEASE READ THIS SECTION CAREFULLY, AS IT (a) MAY REQUIRE YOU TO ARBITRATE DISPUTES WITH Lendflow Capital; (b) PRECLUDES YOU FROM HAVING A JURY TRIAL; AND (c) REQUIRES THAT ANY DISPUTES BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY AND NOT AS A CLASS ACTION OR ANY OTHER TYPE OF REPRESENTATIVE PROCEEDING.
If any dispute, claim, or controversy arises between you and Lendflow Capital (including its subsidiaries and affiliates) relating to (i) access or use of the Sites, (ii) these Terms of Use, or (iii) the arbitrability of any such claims, disputes, or controversies, either party may choose to submit the dispute to binding arbitration before the American Arbitration Association (AAA) by submitting the required AAA forms and filing fees. If arbitration is chosen, no party shall have the right to litigate any disputes in court, have a jury trial, or participate in a class action. All disputes will be governed by the Federal Arbitration Act, construed broadly as permitted by law.
All disputes submitted to the AAA will be resolved via confidential, binding arbitration before a single arbitrator agreed upon by the parties, according to AAA Commercial Arbitration Rules, except where those rules conflict with this provision. In arbitration, either party may choose to attend any hearings via electronic means and/or be represented by counsel. Any in-person hearings will be held in Arlington, Virginia. The arbitrator will apply the substantive laws of Virginia, without regard to conflicts of law. The arbitrator will provide a written award, and, upon request, a reasoned opinion. Unless required by law, neither the parties nor the arbitrator may disclose the existence, content, or outcome of any arbitration without prior written consent from both parties, unless to protect a legal right.
Disputes may only be arbitrated on an individual basis. The arbitrator cannot arbitrate disputes on a class or representative basis and can only award relief to individuals. The arbitrator cannot consolidate arbitrations or add additional parties unless agreed by the parties. The arbitrator also has no authority to award punitive or consequential damages, except as required by statute or as specified in any agreement between the parties.
Arbitration fees will be allocated according to applicable AAA Rules. Each party is responsible for their own attorney’s fees, expert fees, and other expenses unless the arbitrator awards these fees to the prevailing party based on contract or applicable law.
Any award from the arbitrator will be final and binding on both parties and may be enforced in any court with jurisdiction. A party may appeal the award in writing to the AAA within 30 days of the notice of the award. The appeal will be determined by a panel of three arbitrators. The final decision is subject to judicial review as permitted by law.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, BOTH YOU AND Lendflow Capital WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY COURT PROCEEDING RELATED TO THE SITES OR THESE TERMS OF USE, WHETHER ARISING FROM CONTRACT, TORT, OR OTHERWISE.
YOU AND Lendflow Capital AGREE THAT ALL DISPUTES WILL BE RESOLVED INDIVIDUALLY, AND NEITHER PARTY CAN PARTICIPATE IN A CLASS ACTION OR OTHER REPRESENTATIVE PROCEEDING, EXCEPT WHERE PROHIBITED BY LAW.
By using the Sites, you agree that any dispute or claim arising from or relating to your access or use of the Sites or these Terms of Use is governed by the laws of the Commonwealth of Virginia (to the extent not preempted by federal law). The sole venue for such disputes will be courts located in Arlington or Alexandria, Virginia.
These Terms of Use represent the entire agreement between you and Lendflow Capital concerning the use of the Sites and supersede all prior communications or agreements.
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms of Use are not assignable by you but may be assigned by Lendflow Capital without restrictions.
Failure by either party to enforce any part of these Terms does not waive their right to enforce it later.
Captions in these Terms are for convenience only and do not affect the interpretation of the terms.
Please review our Privacy Policy for information on how we collect and use your personal information. Your use of the Sites constitutes acceptance of the Privacy Policy.
For any questions regarding these Terms of Use, please contact us at info@lendflowcapital.com.