Terms of Service

Welcome to BusinessLoanChecker.com. These Terms of Service ("Terms") govern your access to and use of our website, tools, calculators, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

Please read these Terms carefully. If you do not agree with these Terms, you may not use our Services.

By accessing or using BusinessLoanChecker.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all users of the Services, including visitors, registered users, and anyone who accesses our tools or content.

If you are using the Services on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

• A loan offer or commitment to lend from any financial institution
• A credit decision or guarantee of loan approval
• A substitute for professional financial advice
• A credit check or inquiry that affects your credit score
• Legal, tax, or accounting advice

All qualification estimates are based on general industry guidelines and the information you provide. Actual loan terms, interest rates, and approval decisions are determined solely by individual lenders based on their own underwriting criteria.

3. No Guarantee of Loan Approval or Specific Terms

BusinessLoanChecker.com does not guarantee:

• That you will qualify for any loan from any lender
• Specific loan amounts, interest rates, or terms
• Approval from any particular number of lenders
• That our estimates will match lender decisions
• The accuracy of third-party information or lender requirements

Each lender has its own underwriting standards, and final approval depends on factors including but not limited to: credit history, business financials, industry risk, collateral, and economic conditions.

4. User Responsibilities and Accuracy of Information

When using our Services, you agree to:

5. Permitted Use of Services

You may use BusinessLoanChecker.com for:

• Personal, non-commercial evaluation of your business loan eligibility
• Educational purposes to understand loan requirements
• Comparing different loan types and financing options
• Preparing for actual loan applications with lenders

Prohibited Uses

You may NOT:

• Use automated systems, bots, or scrapers to access our Services
• Attempt to reverse engineer, decompile, or extract source code
• Use our Services for any illegal or fraudulent purpose
• Submit false or misleading information
• Interfere with or disrupt the operation of our Services
• Violate any applicable laws or regulations
• Redistribute, resell, or commercially exploit our content without permission
• Impersonate another person or entity

6. Intellectual Property Rights

All content, features, and functionality on BusinessLoanChecker.com, including but not limited to text, graphics, logos, calculators, algorithms, code, and compilation of content, are owned by or licensed to BusinessLoanChecker.com and are protected by:

• United States and international copyright laws
• Trademark laws
• Other intellectual property rights

You may not copy, modify, distribute, sell, or lease any part of our Services or content without our express written permission. Unauthorized use may violate copyright, trademark, and other laws.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

1. No Warranties: BusinessLoanChecker.com is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
2. No Liability for Results: We are not liable for any decisions you make based on our qualification estimates, recommendations, or content. This includes but is not limited to:
   • Loan denials or unfavorable terms from lenders
   • Financial losses or business damages
   • Reliance on inaccurate or outdated information
   • Errors or omissions in our calculators or estimates
3. Indirect Damages: We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities.
4. Maximum Liability: In no event shall BusinessLoanChecker.com's total liability to you for all claims exceed the amount you paid us to use the Services in the 12 months preceding the claim (which is $0 for free services).

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

8. Indemnification

You agree to indemnify, defend, and hold harmless BusinessLoanChecker.com, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of another party
• Any information you submit through our Services

9. Third-Party Services and Links

Our website may contain links to third-party websites, services, or resources (such as lender websites or financial tools). These links are provided for your convenience only.

We do not:

• Endorse or recommend any third-party lenders, products, or services
• Control or verify the content, accuracy, or practices of third-party sites
• Assume responsibility for third-party terms, conditions, or privacy policies
• Guarantee that third-party information is current or accurate

Your interactions with third parties are solely between you and the third party. We are not liable for any loss or damage arising from your use of third-party services.

10. Modifications to Services and Terms

Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time, with or without notice. This includes adding or removing features, changing calculators, or updating content. We are not liable for any modifications, suspensions, or discontinuations.

Terms Changes

We may update these Terms from time to time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Post a notice on our website
• Notify you via email if you have provided your email address

Your continued use of our Services after any changes constitutes your acceptance of the updated Terms. If you do not agree to the new Terms, you must stop using our Services.

11. Termination

We reserve the right to terminate or suspend your access to our Services, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Requests by law enforcement or government agencies
• Technical or security issues

Upon termination, your right to use the Services will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to limitations of liability, indemnification, and dispute resolution provisions.

12. Dispute Resolution and Governing Law

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which BusinessLoanChecker.com operates, without regard to its conflict of law provisions.

Informal Resolution

If you have any dispute with us, you agree to first contact us and attempt to resolve the dispute informally. Most concerns can be resolved quickly by reaching out to us directly.

Arbitration

If we cannot resolve a dispute informally, any dispute arising out of or relating to these Terms or our Services shall be resolved through binding arbitration, except that either party may seek injunctive or other equitable relief in court.

By agreeing to these Terms, you waive your right to a jury trial and to participate in class action lawsuits.

13. General Provisions

14. Contact Us

If you have questions, concerns, or feedback regarding these Terms of Service, please contact us:

We will respond to your inquiry within 30 days of receipt.