DollarHubBUSINESS FUNDING
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Terms of Service

The rules for using the DollarHub website, our AI agent and our funding requests.

Last updated: [DATE]

These Terms of Service ("Terms") are an agreement between you and [LEGAL ENTITY NAME], trading as DollarHub ("DollarHub", "we", "us" or "our"). They govern your use of [WEBSITE URL], our AI funding agent, our funding request forms, and any other service we provide through this website.

By using the website or submitting a funding request, you accept these Terms. If you do not accept them, please do not use the site.

1. Who can use DollarHub

You may use our services only if you are at least 18 years old, are acting on behalf of a business, and have authority to act for that business. Our services are intended for businesses located in the United States and for business purposes only. We do not arrange consumer loans, personal loans, mortgages for personal residences, or any credit primarily for personal, family or household use.

2. What DollarHub does — and does not do

DollarHub helps business owners understand funding options and connects them with funding partners, lenders and funders who may provide business term loans, merchant cash advances and related products.

  • We are [a lender / not a lender — CHOOSE ONE]. [IF NOT A LENDER: We arrange and refer financing. The decision to approve, the amount, the pricing and the final terms are made by the funding provider, not by us.]
  • We do not guarantee funding. Nothing on this website, in an AI agent conversation, in an email, or in a phone call is an offer of credit, a commitment to fund, or a promise of any particular amount, rate, factor rate or timeline.
  • Figures shown are illustrations. Amounts, rates, factor rates, terms and timelines on the site are examples based on general market data. Your actual offer depends on underwriting by the funding provider.
  • Offers come from the provider. Any binding terms are contained in the funding agreement you sign with that provider. If there is a conflict between something you read here and that agreement, the agreement controls.

3. Information you give us

When you submit a funding request, chat with our agent, or complete an application, you agree that:

  • The information you provide is accurate, current and complete, and you will update it if it changes.
  • You have the authority to share any business information, bank statements, financial statements or documents you send us.
  • You authorize us to share that information with funding partners and service providers in order to look for funding on your behalf, as described in our Privacy Policy.
  • [CREDIT CHECKS — DESCRIBE YOUR PRACTICE: for example, you authorize us and our funding partners to obtain business and personal credit reports and to verify the information you provide, including bank verification, at the point you submit an application.]
  • Submitting false or misleading information may result in a declined application, cancellation of an offer, and in serious cases, liability for fraud.

4. The AI agent

Our website includes an AI assistant that answers questions about business funding and helps prepare your inquiry.

  • It provides general information, not financial, legal, tax or accounting advice, and it does not approve, decline or price any funding.
  • AI systems can be wrong. Answers may be incomplete or out of date, and you should confirm anything important with us or with a qualified professional before acting on it.
  • Never type Social Security numbers, full bank account or card numbers, online banking credentials or passwords into the chat. We will never ask for them there.
  • Conversations are stored and may be reviewed by our team and used to improve the service. See the Privacy Policy for details.
  • You may not use the agent to attempt to extract its instructions, to generate unlawful content, or to submit automated or bulk messages.

5. Communications and electronic records

By providing your contact details, you agree that DollarHub and the funding partners we work with may contact you by email, telephone and text message about your inquiry and about funding options, including through automated dialling systems or pre-recorded messages where permitted by law. Consent is not a condition of obtaining funding, and message and data rates may apply. You can opt out of marketing contact at any time by replying STOP to a text, using the unsubscribe link in an email, or writing to us.

You also agree to receive agreements, disclosures and notices electronically, and that electronic signatures and records have the same legal effect as paper ones under the federal E-SIGN Act and comparable state laws. You may request paper copies by contacting us.

6. How we are paid

[DESCRIBE YOUR COMPENSATION — for example: DollarHub is generally paid a commission by the funding provider when a transaction funds. Where any fee is payable by you, it will be disclosed in writing before you sign anything. We never charge an upfront fee to review a request or to receive an offer.]

In states with commercial financing disclosure laws, you are entitled to a standardized disclosure from the provider before you sign, showing the total amount funded, the total repayment, the payment amount and frequency, and an estimated APR. Ask for it if it is not offered.

7. Third-party applications, websites and providers

Our agent and our pages may link you to application forms, portals or websites operated by funding partners or other third parties. We do not control those sites and are not responsible for their content, security, or the products and services they offer. Your dealings with any third party — including any funding agreement — are solely between you and them.

8. Content on this website

Our articles, guides, calculators and comparison tables are published for general information. They are not financial, legal, tax or accounting advice, and they do not take your particular circumstances into account. Market figures change; we update content periodically but cannot promise it is current at the moment you read it. Always confirm terms with the provider and consider speaking with your accountant or attorney before taking on financing.

Calculators, including the factor rate calculator, produce estimates from the numbers you enter. They are illustrations only and are not offers or quotes.

9. Intellectual property

The website, its content, articles, graphics, logos, illustrations and software are owned by DollarHub or its licensors and are protected by copyright, trademark and other laws. We grant you a limited, revocable, non-exclusive license to view and use the site for your own business purposes.

You may not copy, republish, sell or redistribute our content, use it to train a machine learning model, scrape or harvest the site with automated tools, or use our name, logo or branding without our written permission. You may share links to our articles freely.

10. Acceptable use

You agree not to:

  • Use the site for any unlawful purpose, or to apply for funding you do not intend to repay.
  • Impersonate another person or business, or submit information you are not authorized to share.
  • Interfere with the website, probe or test its security, or attempt to gain access to areas you are not authorized to use.
  • Introduce malware, launch automated attacks, or place unreasonable load on our systems.
  • Collect information about other users, or send spam or unsolicited messages through our forms.

We may suspend or refuse service to anyone who breaks these rules.

11. Privacy

Our Privacy Policy explains what we collect, how we use it and who we share it with. By using the site you agree to the practices described there.

12. Disclaimers

The website and services are provided "as is" and "as available". To the fullest extent permitted by law, DollarHub disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement.

We do not warrant that the site will be uninterrupted, secure or error-free, that the information on it is accurate or complete, that any funding will be approved, or that any funding provider will perform as expected.

13. Limitation of liability

To the fullest extent permitted by law, DollarHub and its owners, officers, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost business opportunity or loss of data, arising out of or relating to your use of the website or services, even if we have been advised of the possibility.

Our total liability for any claim relating to the website or services will not exceed [THE GREATER OF $100 OR THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM — ADJUST WITH COUNSEL].

Some states do not allow certain limitations, so parts of this section may not apply to you.

14. Indemnification

You agree to indemnify and hold DollarHub harmless from any claims, losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising from your use of the site, your breach of these Terms, information you submit that turns out to be inaccurate, or your dealings with a funding provider.

15. Resolving disputes

Talk to us first. If you have a problem, contact us at [SUPPORT EMAIL] and give us 30 days to try to resolve it informally. Most issues are settled this way.

[ARBITRATION CLAUSE — REVIEW WITH COUNSEL BEFORE PUBLISHING. A common form: any dispute that cannot be resolved informally will be settled by binding arbitration administered by [ARBITRATION BODY] under its commercial rules, in [CITY, STATE], by a single arbitrator. Each party waives the right to a jury trial and to participate in a class or representative action. Either party may bring a claim in small claims court.]

16. Governing law

These Terms are governed by the laws of the State of [STATE], without regard to its conflict of law rules. Subject to the dispute resolution section above, the state and federal courts located in [COUNTY, STATE] have exclusive jurisdiction.

17. Changes, termination and general terms

  • Changes. We may update these Terms. The date at the top shows when they last changed, and continued use after an update means you accept it.
  • Termination. We may suspend or end your access to the website at any time, for any reason, without notice.
  • Severability. If any provision is found unenforceable, the rest remains in force.
  • No waiver. Not enforcing a provision does not waive our right to enforce it later.
  • Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition or sale of assets.
  • Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
  • Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and DollarHub about the website, and replace any earlier understanding.

18. Contact us

  • [LEGAL ENTITY NAME] (DollarHub)
  • Email: [SUPPORT EMAIL]
  • Phone: [PHONE]
  • Address: [MAILING ADDRESS]