Terms and Conditions

These Terms and Conditions govern your use of MerchantGuidance, including all tools, content, and features available on our website. By accessing or using our site, you agree to be bound by these terms. If you do not agree with any part of these terms, please discontinue use of MerchantGuidance.

Acceptance of Terms

By visiting or using MerchantGuidance, you confirm that you have read, understood, and agree to these Terms and Conditions, along with our Privacy Policy and Cookie Policy. These terms apply to all visitors, whether you are researching funding options, using our comparison tools, or submitting an inquiry to be connected with a lender.

Description of Services

MerchantGuidance provides educational content, comparison tools, and referral services related to business funding products, including but not limited to term loans, lines of credit, and other financing options. Our platform is designed to help business owners understand available choices and connect with third party lenders who may be able to assist them.

MerchantGuidance Is Not a Lender

MerchantGuidance does not make loans, extend credit, or guarantee approval for any funding product. We are not a lender, broker, or agent of any lender featured on our site. All funding decisions, including approval, rates, and terms, are made solely by the third party lender you choose to work with, based on their own underwriting criteria.

No Guarantee of Approval or Terms

The information presented on MerchantGuidance is intended for general educational purposes and should not be interpreted as a guarantee of approval, a specific interest rate, or any particular funding term. Rates and terms vary by lender and by applicant, and actual offers may differ from examples or ranges described on our site. Always confirm current terms directly with the lender before proceeding with an application.

User Responsibilities

When using MerchantGuidance, you agree to provide accurate information when submitting inquiries or forms, and you agree not to use our site for any unlawful purpose or in a manner that could damage, disable, or impair the website. You are responsible for maintaining the confidentiality of any account information associated with your use of our services, where applicable.

Intellectual Property

All content on MerchantGuidance, including text, graphics, logos, and tools, is the property of MerchantGuidance or its licensors and is protected by applicable intellectual property laws. You may view and use our content for personal, non commercial purposes, but you may not reproduce, distribute, or modify our content without prior written permission.

Third Party Links and Content

MerchantGuidance may contain links to third party websites, including lender applications and partner platforms. These links are provided for your convenience, and we do not control or endorse the content, policies, or practices of third party sites. Your interactions with third party websites are governed by their own terms and policies.

Advertising and Compensation

MerchantGuidance may receive compensation from lenders and partners featured on our site, as described in our Advertising Disclosure. This compensation supports our ability to offer free tools and resources but does not influence the accuracy of our educational content or the ranking of lenders displayed on our pages.

Limitation of Liability

To the fullest extent permitted by law, MerchantGuidance and its owners, employees, and affiliates shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or reliance on information provided through our site. Our content is provided for general informational purposes and does not constitute financial or legal advice.

Disclaimer of Warranties

MerchantGuidance is provided on an as is and as available basis without warranties of any kind, whether express or implied. We do not warrant that our website will be uninterrupted, error free, or completely accurate, and we disclaim all warranties to the extent permitted by applicable law.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws applicable to MerchantGuidance, without regard to conflict of law principles. Any disputes arising from your use of our website shall be subject to the appropriate jurisdiction as determined under applicable law.

Indemnification

You agree to indemnify and hold harmless MerchantGuidance and its owners, employees, and affiliates from any claims, damages, losses, or expenses arising out of your use of our website, your violation of these terms, or your submission of inaccurate information through any form or tool on our site.

Severability and Entire Agreement

If any provision of these Terms and Conditions is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect. These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and MerchantGuidance regarding your use of our website and supersede any prior agreements or understandings on this subject.

Changes to These Terms

MerchantGuidance reserves the right to modify these Terms and Conditions at any time. Updates will be posted on this page along with a revised effective date, and your continued use of the site after changes are posted constitutes acceptance of the updated terms.