Welcome to Fundcat Inc. These Terms of Service ("Terms") govern your use of our website (fund-cat.com) and services. By accessing or using our website or services, you agree to be bound by these Terms.
1. Acceptance of Terms
By using our website or applying for funding, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.
2. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the legal authority to enter into binding agreements
- Represent a legitimate business entity
- Provide accurate and complete information
3. Services
Fundcat Inc is a direct lender providing business funding solutions, including but not limited to:
- Working Capital Loans
- Revenue-Based Financing
- Business Growth Funding
- Short-term Financing
- Equipment Financing
We fund directly from our own capital and do not act as a broker or intermediary. All funding decisions are made at our sole discretion based on our underwriting criteria.
4. Application Process
Submitting an Application
When you submit a funding application, you represent and warrant that:
- All information provided is accurate, current, and complete
- You have the authority to bind your business to any resulting agreement
- Your business is not engaged in any illegal activities
- You will update information if it changes during the application process
No Guarantee of Approval
Submitting an application does not guarantee approval or funding. We reserve the right to approve, deny, or request additional information for any application at our sole discretion.
5. SMS Terms & Conditions
Important Information About Text Messaging
By providing your mobile phone number and expressly consenting to receive text messages from Fundcat Inc, you agree that we may contact you using an automatic telephone dialing system or autodialer for marketing, informational, and transactional purposes.
Consent to Receive Text Messages
When you opt in to receive text messages by checking the SMS consent box on our contact form and providing your mobile phone number, you are providing express written consent under the Telephone Consumer Protection Act (TCPA) and any applicable state laws to receive:
- Application status updates and notifications
- Funding approval and account information
- Marketing messages about funding opportunities and services
- Service announcements and important updates
- Promotional offers (if applicable)
Consent is not required as a condition of purchase. You can apply for and receive funding from Fundcat Inc without providing your mobile phone number or consenting to receive text messages. Your decision to opt in or opt out of text messages will not affect your eligibility for funding or the terms of any funding offer.
Automatic Telephone Dialing System
We may use an automatic telephone dialing system (ATDS), autodialer, or prerecorded/artificial voice messages to deliver text messages to your mobile phone. By consenting to receive text messages, you acknowledge and agree to receive messages sent via such systems.
Message Frequency and Costs
Message frequency varies based on your account activity and interactions with our services. You may receive up to 10 messages per month, though this number may vary. Message and data rates may apply according to your mobile carrier's plan. Please contact your carrier for pricing details.
Supported Carriers
Our text messaging service is available for most major U.S. mobile carriers. Carriers are not liable for delayed or undelivered messages.
How to Opt Out
You may opt out of receiving text messages at any time by:
- Texting STOP, END, QUIT, CANCEL, or UNSUBSCRIBE to any message you receive from us
- Contacting us at al@fund-cat.com and requesting to be removed from text messages
After you opt out, you will receive one final confirmation message, and then you will no longer receive text messages from us unless you opt in again.
Help and Support
For assistance with our text messaging program, you may:
- Text HELP or INFO to any message you receive from us
- Contact us at al@fund-cat.com
Privacy and Data Use
We respect your privacy and will not sell, rent, or share your mobile phone number with third parties for their marketing purposes. Your mobile information will only be used by Fundcat Inc to communicate with you about your application, account, and our services. For more information, please review our Privacy Policy.
6. Website Use
Permitted Use
You may use our website for lawful purposes only. You agree not to:
- Violate any applicable laws or regulations
- Infringe on intellectual property rights
- Transmit malicious code or viruses
- Attempt to gain unauthorized access to our systems
- Interfere with the proper functioning of our website
- Scrape, harvest, or collect information from our website
Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Fundcat Inc and is protected by copyright and trademark laws. You may not use, reproduce, or distribute our content without written permission.
7. Limitation of Liability
To the fullest extent permitted by law, Fundcat Inc and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services or website.
8. Indemnification
You agree to indemnify and hold harmless Fundcat Inc from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our services, your violation of these Terms, or your violation of any rights of another party.
9. Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.
Arbitration
Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
10. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.
11. Termination
We may terminate or suspend your access to our services at any time, with or without cause or notice, including if you violate these Terms.
12. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
13. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fundcat Inc regarding the use of our website and services.
14. Contact Information
If you have questions about these Terms, please contact us:
Fundcat Inc
555 Madison Ave 5th floor
New York, NY 11223
Email: al@fund-cat.com
SMS Opt-Out Reminder
Text STOP to opt out of text messages at any time. Text HELP for assistance. Message and data rates may apply. Consent is not required as a condition of purchase.
By using our website or services, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.