Terms of Service

Effective Date: March 1, 2026

Welcome to Merchant Fund Express. These Terms of Service ("Terms") govern your access to and use of the website at merchantfundexpress.com and the services offered by Merchant Fund Express ("Company," "we," "us," or "our"). Please read these Terms carefully before using our website or services.

1. Acceptance of Terms

By accessing our website, submitting an application, or using any of our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our website or services.

2. Description of Services

Merchant Fund Express operates as a business funding broker and marketplace. Our services include:

• Connecting businesses seeking capital with funding providers from our network
• Evaluating your business profile to identify suitable funding options
• Submitting your application to one or more funding providers on your behalf
• Providing educational resources about business funding options

Important: Merchant Fund Express is not a direct lender. We do not make funding decisions, set interest rates, determine repayment terms, or directly provide capital. All funding decisions, terms, and conditions are determined solely by the funding providers in our network.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal owner or authorized representative of the business seeking funding
• Have the legal authority to bind the business entity to agreements
• Provide accurate and complete information in all applications and communications
• Be operating a legitimate business within the United States

4. User Obligations

By using our services, you agree to:

• Provide Accurate Information: All information submitted through our website or communicated to our team must be truthful, accurate, and complete. Providing false or misleading information may result in denial of services and may constitute fraud.
• Authorize Information Sharing: By submitting an application, you authorize Merchant Fund Express to share your business and personal information with funding providers in our network for the purpose of evaluating and facilitating funding offers.
• Authorize Communications: You consent to receive calls, emails, and text messages from Merchant Fund Express and our funding partners regarding your application and available funding options. You may opt out of marketing communications at any time.
• Review Funding Terms Independently: You are responsible for reviewing and understanding all terms, conditions, and agreements presented by funding providers before accepting any offer.
• Comply with Laws: You agree to use our services in compliance with all applicable federal, state, and local laws and regulations.

5. Broker Disclaimer

Merchant Fund Express operates solely as an intermediary between businesses and funding providers. By using our services, you acknowledge and agree that:

• We are a broker and marketplace, not a lender, bank, or financial institution.
• We do not guarantee that you will receive funding or any particular funding terms.
• We do not guarantee the accuracy of any funding offer presented by a funding provider.
• Any funding agreement you enter into is solely between you and the funding provider. Merchant Fund Express is not a party to such agreements.
• We do not provide legal, tax, or financial advice. We recommend consulting with qualified professionals before making financial decisions.
• Funding amounts, rates, terms, and approval criteria referenced on our website are for informational purposes only and may vary based on the funding provider and your business qualifications.

6. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and design elements, is the property of Merchant Fund Express or our content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.

7. Limitation of Liability

To the maximum extent permitted by applicable law:

• Merchant Fund Express, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or any funding arrangement facilitated through our platform.
• Our total liability for any claim arising from or related to our services shall not exceed the fees, if any, paid by you to Merchant Fund Express in the twelve (12) months preceding the claim.
• We are not responsible for the actions, omissions, terms, or practices of any funding provider in our network.

8. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or secure.

9. Indemnification

You agree to indemnify, defend, and hold harmless Merchant Fund Express and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from or related to these Terms or our services shall be resolved through binding arbitration in Miami-Dade County, Florida, in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Effective Date." Your continued use of our website or services after any modifications constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

12. Termination

We reserve the right to suspend or terminate your access to our website and services at our sole discretion, without notice, for any reason, including but not limited to violation of these Terms or provision of false information.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Merchant Fund Express regarding your use of our website and services, superseding any prior agreements.

15. Contact Us

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