Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") are a legal agreement between you ("you," "your," or "User") and Prime Business Care ("Prime Business Care," "we," "us," or "our"). By accessing or using our website at primebusinesscare.com (the "Site") or submitting an application for business funding, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, do not use our Site or services.

2. Our Role as a Broker

Prime Business Care is a business funding broker. We act as an intermediary between businesses seeking capital and third-party lenders who provide funding.

We do NOT:

• Directly lend money or provide funding
• Underwrite or approve any loan or advance
• Set the terms, rates, or conditions of any funding product
• Guarantee approval of any application
• Determine final eligibility for any funding product

All funding decisions, terms, rates, and conditions are determined solely by the third-party lender who ultimately provides your funding.

3. Description of Services

Through our Site, we offer the following services:

• Information about various business funding products (merchant cash advances, working capital loans, lines of credit, equipment financing, etc.)
• Online application forms that collect information to match you with suitable lending partners
• Pre-qualification assessments based on information you provide
• Facilitation of communication between you and our lending partners
• Educational content and guides about business financing

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice.

4. Eligibility

To use our services, you must:

• Be at least 18 years old
• Have legal authority to enter into contracts on behalf of a business
• Be the owner, principal, or authorized representative of a legally-operating business in the United States
• Provide accurate, current, and complete information

By using our services, you represent and warrant that you meet these requirements.

5. Your Application

5.1 Accuracy of Information

You agree to provide true, accurate, current, and complete information in all applications and communications. Providing false information is a violation of these Terms and may violate federal and state laws, including laws against fraud.

5.2 Authorization

By submitting an application, you authorize Prime Business Care and our lending partners to:

• Verify information you provide, including through third-party databases
• Obtain credit reports and business credit information
• Contact your bank, financial institutions, and references
• Share your information with potential lenders for evaluation
• Contact you via phone, email, text message, or other methods regarding your application

5.3 Soft Credit Inquiry

The initial application uses a soft credit pull, which does not affect your credit score. A hard credit inquiry may be performed later if you accept a specific offer and proceed with funding — you will be notified before any hard pull occurs.

6. No Guarantee of Funding

We do not guarantee that you will be approved for any funding product. Approval, funding amounts, rates, terms, and conditions are determined solely by the third-party lender based on their own underwriting criteria.

Any pre-qualification estimates, approval rates, funding ranges, or timelines shown on our Site are illustrative only and do not constitute an offer, approval, or guarantee of funding.

7. Third-Party Lenders

Our lending partners are independent third parties. They have their own:

• Terms of service and loan agreements
• Privacy policies
• Underwriting criteria
• Pricing and fee structures
• Compliance and legal obligations

Before accepting any funding offer, carefully review all terms, conditions, and disclosures provided directly by the lender. You are entering into a contract directly with the lender, not with Prime Business Care.

We are not responsible for the actions, omissions, or products of any third-party lender, including but not limited to their customer service, collection practices, or compliance with applicable laws.

8. Communications Consent

By providing us with your contact information, you consent to receive communications from Prime Business Care and our lending partners, including:

• Email: Application updates, marketing messages, and service information
• Phone calls: Including calls using automated dialing systems or pre-recorded messages
• SMS/Text messages: Including automated text messages

You consent to these communications even if your phone number appears on a Do Not Call registry or similar list.

8.1 Opt-Out

You may opt out of marketing communications at any time by:

• Clicking the unsubscribe link in any marketing email
• Replying "STOP" to any text message
• Contacting us at Support@primebusinesscare.com

Opting out of marketing does not stop transactional communications necessary to service your application or account.

9. User Conduct

You agree NOT to:

• Submit false, misleading, or fraudulent information
• Use our services for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the operation of our Site
• Use automated tools, bots, or scrapers to access our Site without written permission
• Submit applications on behalf of anyone other than yourself or a business you are authorized to represent
• Violate any applicable laws or regulations

10. Intellectual Property

All content on our Site — including text, graphics, logos, images, videos, software, and design — is the property of Prime Business Care or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any of our content without our prior written permission.

"Prime Business Care" and the "PBC" logo are trademarks of Prime Business Care. Use of these marks without permission is prohibited.

11. Disclaimer of Warranties

OUR SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

• Our Site will be uninterrupted, timely, secure, or error-free
• Information on our Site is accurate, complete, or current
• Any particular result will be obtained from use of our services
• You will be approved for funding
• The terms offered by any lender will meet your needs

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRIME BUSINESS CARE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR PERSONAL INJURY, ARISING FROM OR RELATED TO:

• Your use of or inability to use our Site or services
• Any funding decisions made by third-party lenders
• The terms, rates, fees, or conditions of any funding product
• Actions of third-party lenders, including collection practices
• Any unauthorized access to or use of your information
• Any content submitted by you or third parties

Our total aggregate liability for any claim arising from these Terms or our services shall not exceed $100 (one hundred US dollars).

Some jurisdictions do not allow the exclusion or limitation of liability for certain damages, so some of the above limitations may not apply to you.

13. Indemnification

You agree to indemnify, defend, and hold harmless Prime Business Care and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of our Site or services
• Your violation of these Terms
• Your violation of any rights of a third party
• Any information you provide that is inaccurate, misleading, or fraudulent
• Your violation of any applicable law or regulation

14. Dispute Resolution and Arbitration

14.1 Informal Resolution

Before filing any claim, you agree to first attempt to resolve the dispute informally by contacting us at Support@primebusinesscare.com. We will attempt to resolve the dispute within 60 days of receiving your notice.

14.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our Site or services that is not resolved informally shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

The arbitration shall be conducted in New York, New York, or another mutually agreed location. Judgment on the arbitrator's award may be entered in any court having jurisdiction.

14.3 Class Action Waiver

YOU AND PRIME BUSINESS CARE AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.

14.4 Exceptions

Either party may bring an action in small claims court or seek injunctive relief in court for intellectual property disputes without going through arbitration.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. Any dispute not subject to arbitration under Section 14 shall be resolved exclusively in the state or federal courts located in New York County, New York.

16. Termination

We reserve the right to suspend or terminate your access to our Site and services at any time, with or without cause, and with or without notice, including but not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Providing false or misleading information
• At our sole discretion for any reason

Upon termination, Sections 10 (Intellectual Property), 11 (Disclaimer), 12 (Limitation of Liability), 13 (Indemnification), 14 (Arbitration), and 15 (Governing Law) shall survive.

17. Changes to These Terms

We may modify these Terms at any time by posting the updated Terms on this page and updating the "Last Updated" date. Material changes will be communicated through the Site or by email.

Your continued use of our Site or services after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using our Site and services.

18. Contact Us