Terms of Service

1. Acceptance of Terms

By accessing or using Commercial Lending AI ("the Platform," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Platform.

These Terms constitute a legally binding agreement between you ("you," "your," or "User") and Commercial Lending AI.

2. Description of Service

Commercial Lending AI is a platform that connects businesses seeking commercial loans with specialty finance lenders. Our services include:

• Secure document storage and management ("Document Vault")
• Loan application creation and submission
• Matching businesses with appropriate lenders based on loan criteria
• Facilitating communication between businesses and lenders
• AI-assisted loan negotiation (optional feature)

Important: We are a technology platform that facilitates connections. We are not a lender, broker, or financial advisor. We do not make lending decisions or provide financial advice.

3. Eligibility

To use the Platform, you must:

• Be at least 18 years of age
• Have the legal authority to bind the business you represent
• Provide accurate and complete registration information
• Not be prohibited from using the Platform under applicable laws
• Not have been previously suspended or removed from the Platform

4. Account Registration and Security

4.1 Account Creation

You must create an account to use the Platform. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring your account information remains current and accurate

4.3 One Account Per Business

You may only create one account per business. Multiple accounts for the same business entity are prohibited and may result in account suspension.

5. User Responsibilities

5.1 Accurate Information

You agree to:

• Provide true, accurate, and complete information in your loan applications
• Upload genuine, unaltered financial documents
• Update information promptly if circumstances change
• Not misrepresent your business, financial condition, or identity

5.2 Document Authenticity

You represent and warrant that all documents uploaded to the Platform are genuine, accurate, and have not been altered or falsified. Fraudulent documents may result in:

• Immediate account termination
• Reporting to relevant authorities
• Legal action for fraud
• Blacklisting from future use of the Platform

5.3 Prohibited Activities

You may not:

• Use the Platform for any illegal purpose
• Submit fraudulent or misleading information
• Attempt to access another user's account or data
• Reverse engineer, decompile, or disassemble any portion of the Platform
• Use automated scripts or bots to access the Platform
• Interfere with or disrupt the Platform's operation
• Upload viruses, malware, or harmful code
• Violate any applicable laws or regulations

6. Lender Relationships

6.1 Not a Guarantee

Submitting a loan application through our Platform does not guarantee loan approval or funding.Lenders make independent lending decisions based on their own criteria. We do not control, influence, or guarantee lender decisions.

6.2 Direct Relationships

Any loan agreement is directly between you and the lender. We are not a party to any loan agreement. Terms, rates, fees, and conditions are determined solely by the lender.

6.3 Lender Verification

While we conduct basic verification of lenders on our Platform, we do not guarantee their reliability, creditworthiness, or compliance with all applicable laws. You should conduct your own due diligence before entering into any loan agreement.

7. Fees and Payment

7.1 Platform Fees

Currently, the Platform is free for businesses to use. We may introduce fees in the future with 30 days' advance notice. Any fee changes will be communicated via email and posted on the Platform.

7.2 Lender Fees

Lenders may charge origination fees, application fees, or other fees as part of their loan terms. These fees are separate from our Platform and are between you and the lender.

8. Intellectual Property

8.1 Our Intellectual Property

The Platform and its original content, features, and functionality are owned by Commercial Lending AI and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.2 Your Content

You retain ownership of all documents and information you upload to the Platform. By uploading content, you grant us a limited license to:

• Store and transmit your documents to matched lenders
• Process your information to provide Platform services
• Use aggregated, anonymized data for analytics and improvement

We do not claim ownership of your content and will not use it for purposes beyond providing the Platform services.

9. Privacy and Data Protection

Your use of the Platform is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

10. Disclaimers and Limitation of Liability

10.1 "As Is" Service

THE PLATFORM IS 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, OR NON-INFRINGEMENT.

10.2 No Financial Advice

We do not provide financial, legal, or tax advice. Any information provided through the Platform is for informational purposes only. You should consult with qualified professionals before making financial decisions.

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMMERCIAL LENDING AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Platform
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the Platform
• Any bugs, viruses, trojan horses, or the like that may be transmitted through the Platform by any third party
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Platform
• Lender decisions, loan terms, or failure to fund loans

IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRIOR TO THE CLAIM, OR $100, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Commercial Lending AI, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with:

• Your access to or use of the Platform
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property, privacy, or other rights
• Any fraudulent or false information provided by you
• Your loan agreements with lenders

12. Termination

12.1 By You

You may terminate your account at any time by contacting us. Upon termination, your right to use the Platform will immediately cease.

12.2 By Us

We may suspend or terminate your account immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Fraudulent activity
• Providing false or misleading information
• Violation of applicable laws
• Inactivity for an extended period

12.3 Effect of Termination

Upon termination, your documents will be archived for 90 days and then permanently deleted, unless legal obligations require longer retention. Ongoing loan applications or agreements with lenders will not be affected by Platform termination.

13. Dispute Resolution

13.1 Informal Resolution

Before filing a claim, you agree to contact us and attempt to resolve the dispute informally by sending written notice to disputes@commerciallending.ai (or your actual email).

13.2 Arbitration Agreement

If informal resolution fails, you agree that any dispute arising from these Terms or the Platform shall be resolved by binding arbitration in accordance with the American Arbitration Association's Commercial Arbitration Rules, rather than in court.

Exception: Either party may bring suit in court for injunctive relief or intellectual property disputes.

13.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis only. You waive any right to bring claims as a class action, representative action, or collective action.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [YOUR STATE/COUNTRY], without regard to its conflict of law provisions.

Any arbitration or court proceeding shall take place in [YOUR JURISDICTION].

15. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by:

• Email to your registered email address
• Prominent notice on the Platform
• Updating the "Last Updated" date at the top of these Terms

Your continued use of the Platform after changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Platform and close your account.

16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Commercial Lending AI regarding the Platform.

16.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

16.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

16.5 Force Majeure

We shall not be liable for any failure to perform due to circumstances beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, internet failures, or government restrictions.

17. Contact Information

If you have questions about these Terms, please contact us: