Last Updated: March 2024
Welcome to Felton & Associates. These Terms of Service ("Terms") govern your use of our website, services, and any interactions with our direct business lending platform. By accessing or using our services, you agree to be bound by these Terms.
Important: Please read these Terms carefully. If you do not agree with any part of these Terms, you may not use our services.
By accessing our website at feltonandassociates.com, submitting a loan application, or engaging with our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.
To use our services, you must:
If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
Felton & Associates provides direct business lending services, including but not limited to:
Submission of a loan application does not guarantee approval or funding. All lending decisions are made at our sole discretion based on creditworthiness, business viability, financial documentation, and other relevant factors. We reserve the right to deny any application without providing specific reasons.
Specific loan terms, including interest rates, repayment schedules, fees, and conditions, will be outlined in individual loan agreements. These Terms of Service do not constitute a loan offer or commitment to lend.
By providing your email address, you consent to receive communications from Felton & Associates, including service notifications, account updates, loan status information, and promotional materials. You may opt out of marketing emails at any time by using the unsubscribe link in our emails or contacting us directly.
If you opt in to receive SMS or text messages from Felton & Associates by checking the consent box on our contact forms or otherwise providing express written consent, you agree to the following:
By providing your phone number, you authorize Felton & Associates to contact you at that number regarding your loan application, account, and services. We may use automated telephone dialing systems (ATDS) for service-related communications. If you wish to revoke this consent, please contact us in writing at felton@feltonandassociates.com.
If you wish to be added to our internal Do Not Call list, please contact us at felton@feltonandassociates.com with your name and phone number. Please note that this may limit our ability to provide certain services or communicate important account information.
You agree to provide true, accurate, current, and complete information in all loan applications, communications, and interactions with Felton & Associates. Providing false, misleading, or fraudulent information may result in denial of services, termination of existing agreements, and potential legal action.
You agree not to:
All content on our website, including text, graphics, logos, images, and software, is the property of Felton & Associates or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from our website without our express written permission.
The information provided on our website and in our communications is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals regarding your specific financial situation.
Borrowing involves financial risk. You should carefully consider whether our lending products are appropriate for your business needs and financial circumstances. Failure to repay loans may result in negative credit consequences, collection actions, and legal proceedings.
We make no guarantees regarding specific financial outcomes, business success, or return on investment resulting from the use of our lending services.
To the fullest extent permitted by law, Felton & Associates, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or related to your use of our services.
Our total liability for any claims related to our services shall not exceed the amount of fees you have paid to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Felton & Associates and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in connection with:
Our website may contain links to third-party websites or services. We do not endorse, control, or assume responsibility for any third-party content, privacy policies, or practices. You access third-party sites at your own risk.
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Felton & Associates operates, without regard to conflict of law principles.
In the event of any dispute arising out of or relating to these Terms or our services, both parties agree to first attempt to resolve the dispute through good-faith negotiations. If negotiations fail, disputes may be resolved through binding arbitration or litigation as specified in individual loan agreements.
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including but not limited to violation of these Terms, suspected fraud, or illegal activity.
Upon termination, your right to use our services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, limitations of liability, and dispute resolution provisions.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any individual loan agreements, constitute the entire agreement between you and Felton & Associates regarding the use of our services and supersede any prior agreements or understandings.
If you have questions, concerns, or disputes regarding these Terms of Service, please contact us:
Felton & Associates
Email: felton@feltonandassociates.com
Direct Business Lender
Acknowledgment: By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We are committed to providing transparent, ethical, and professional direct business lending services.