Last modified: September, 2022
The following describes the terms and conditions (the “Terms“) upon which DOC2DOC Lending, Inc, doing business as DOC2DOC, (“Company”, “Us“, “We“) offers access to the Internet site found at https://doc2doclending.com/commercial/ (the “Site“) to you (“You“, “User“) and the option to connect with funding providers for small-medium business funding solutions via the Site (the “Services“).
Please note that we are not a government agency, government organization, financial institution, loan provider or other funding provider. We are a company providing value added services meant to connect small-medium businesses with funding providers. We may receive a referral fee from funding providers for providing the connection between you and the funding providers. The Service does not necessarily include all funding providers or all types of products available in the marketplace. We cannot guarantee to you will be matched or be given an offer, nor that your matches will be the best possible rates and terms available in the market.
No information on the Site is to be construed as financial product advice or a recommendation, to buy or sell any financial product. The Services provided by do not constitute an offer, invitation, solicitation or recommendation in relation to the subscription, purchase or sale of financial products.
Please note that generally you, either on your own or through an independent third party, as required by applicable law, can apply for small-medium business loans without the use of the Services directly with a small-medium business loan provider.
Use of and access to the Site is void where prohibited by law. By using the Site, you represent and warrant that you are 18 years of age or older, and that your use of the Site does not violate any applicable law or regulation or any obligation. You further represent and warrant that (a) any and all information you submit is truthful and accurate; (b) you are of a legal age to form a binding contract to receive a loan or any other type of funding; and (c) your use of the Site or Services is for a bona fide business purpose.
The Services are intended for the sole purpose of facilitating a connection between small-medium businesses looking for funding solution and funding solution providers. In order to provide you with our Service, you will be required to fill in an application (“Application“), containing information and documents regarding your business.
You agree to provide true, accurate, current and complete information in the Application. We are not responsible for any Service-related issues arising from your failure to provide true, accurate, current and complete Application Information. If we determine, in our sole discretion, that you have failed to do so, we may suspend or terminate your access to the Site and Service.
By providing us with the Application and the information contained within it, you authorize us to share the Application with our network of trusted third-party funding providers.
Funding providers may require you to provide bank statements to complete their assessment process regarding your request (“the Statements”). You may be able to choose to (1) share your Statements with the funding provider(s) through the options provided on their respective website(s); or (2) use the third-party service through our website which will enable us and the funding provider(s) to retrieve your Statements (some funding providers may enable you to use the third-party service on their respective websites). By using the third-party service, you represent and warrant that you have taken all the required steps with your bank in order to authorize the third party service or similar applicable third parties to obtain access to your bank account(s). If you choose to use the third-party service on our website, you will be asked to enter your online banking credentials. These credentials will not be stored or used by us. To learn more about the third-party service, please visit their website. The Statements may be retained and shared by us with the funding provider(s) or sent directly to the funding provider(s), based on the contractual relationship between the third-party service and the funding providers(s). Please note that some funding providers may require a separate process of obtaining your Statements as part of their authorization process, even if such Statements have been provided by one of the options mentioned in this paragraph
The actual receipt of any funds is subject to a separate agreement between you and the funding provider. You acknowledge and agree that we have no role in the decision to provide you with funding, and that we share the Application with funding providers on your behalf.
Special Terms for use of the Service
Please note that all of our Services are not available to residents of the following states: AZ, CA, FL, MI, MN, NV, NJ, SD, NE, ND, TN, UT, VT
If you have given us the applicable consents, we, or other third parties on our behalf, may contact you by calls or text messages, including from an automatic telephone dialing system or an artificial or prerecorded voice, for notification on your application status, at the telephone number you provided. This consent, if provided, will apply even if your telephone number is currently on any state, federal, or corporate Do-Not-Call registry.
We will send you information regarding your application status.
Frequency of Messages: The number and frequency of SMS/MMS messages sent to your device may vary.
Opt-out: reply STOP to any text message you receive or contact Company. You consent that following such a request to unsubscribe, you will receive one (1) final message from Company confirming your request. Please allow up to three (3) business days to process your request. You may resume receiving messages at any time by replying UNSTOP.
For Help: Reply HELP to any message or contact email@example.com
Cost: Message and data rates may apply to each text message sent or received in connection with Company text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans). Company does not impose a separate fee for sending messages. You acknowledge and agree that you are solely responsible and liable for obtaining, maintaining, and paying all charges related to your mobile device(s).
No Guarantee: Company is not responsible for incomplete, lost, late, or misdirected messages, including (but not limited to) undelivered messages resulting from any form of filtering by your mobile carrier or service provider or otherwise.
Use of Automated Dialing Technology: You acknowledge and agree that the SMS Alerts Service may be provided in some cases through automatic telephone dialing technology, an artificial voice or a pre-recorded voice. By providing us your phone number, you expressly consent to receive the SMS messages service through automatic dialing technology, artificial and pre-recorded voice.
General Communications: You agree to receive notifications from Company, its representatives, employees, and agents, through any means authorized under these Terms, including phone calls and text messages that use automatic telephone dialing technology, artificial voice or pre-recorded voice or live person.
Carriers: Supported carriers may vary according to your location.
Eligibility: To receive text messages from us, you must be a resident of the United States and 18 years of age or older. Company reserves the right to require you to prove that you are at least 18 years of age.
Termination: Company reserves the right, in its sole discretion, to cancel or suspend any or all of the SMS Alerts Service, in whole or in part, for any reason, with or without notice to you.
Pricing and fees
We will not charge you a fee for the Service. Please note that the funding providers’ terms may be different and are under its discretion.
Without derogating from the generality of the above, we own (or have valid authorizations or licenses required for) the Site, as well as the materials provided on this Site (including without limitation, the Services), including all worldwide intellectual property rights in the Site and the Services, and the trademarks, service marks, and logos contained therein. Except as expressly permitted herein, you may not copy, further modify, duplicate, distribute, display, perform, sublicense, republish, retransmit, reproduce, create derivative works of, transfer, sell or otherwise use the Site or any content appearing on the Site, including without limitation, the Services. You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in the Site or the Services. All trademarks are trademarks or registered trademarks of their respective owners. Nothing in these Terms grants you any right to use any trademark, service mark, logo, or trade name of our company or any third party.
You may not or attempt to (a) decipher, decompile, disassemble, or reverse-engineer any of the software used to provide the Site or the Services; (b) circumvent, disable, or otherwise interfere with security-related features of the Site or Services or features that prevent or restrict use or copying of any content; (c) use any robot, spider, site search or retrieval service, or any other manual or automatic device or process to retrieve, index, data-mine, or in any way reproduce or circumvent the navigational structure or presentation of the Site or Service; or (d) harvest, collect or mine information about users of the Site or Services.
Disclaimers & Disclaimer of Warranty
No representations or warranties express or implied, are given regarding the legal or other consequences resulting from the use of our Site or Services.
Your use of the Site or Services is at your sole discretion. The Site and Services are provided on an “AS-IS” and “AS AVAILABLE” basis without warranties of any kind from the Company. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO THE SITE OR SERVICES, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE COMPANY DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED, (I) REGARDING THE SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF THE SITE OR SERVICES; OR (II) THAT THE SITE WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED; OR (III) REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION OR SERVICES PROVIDED BY THE SITE. THE COMPANY MAKES NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SITE.
If you choose to rely on information from the Site, you do so solely at your own risk. Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.
Limitation of Liability
IN NO EVENT SHALL THE COMPANY OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, AND/OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR ANY CONTENT INCLUDED ON THE SITE (INCLUDING ADVERTISEMENTS), INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH THE SITE, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
In addition to the foregoing, we assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any content. We are not responsible for any problems or technical malfunction of any telephone or cellular phone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email due to technical problems or traffic congestion on the Internet or on the Site, including any injury or damage to users or to any person’s mobile device or computer related to or resulting from participation or downloading materials in connection with the Site. UNDER NO CIRCUMSTANCES SHALL THE COMPANY BE RESPONSIBLE FOR ANY LOSS OR DAMAGE, INCLUDING PERSONAL INJURY OR DEATH, RESULTING FROM USE OF THE SITE OR FROM ANY CONTENT POSTED ON OR THROUGH THE SITE.
YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE SITE OR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCURES, OTHERWISE – SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
Portions of the Site involve linking to web sites belonging to third parties. The Site may also provide you with links to access the websites of third-party vendors or retailers. We have no control over third-party sites, and all use of third-party sites is at your own risk. Additionally, we cannot accept responsibility for any payments processed or submitted through such third-party sites, or for the privacy policies of any such sites. We are not responsible for content available by means of such sites. We do not endorse any products offered by third parties and we urge our users to exercise caution in using third-party sites.
Governing Law and Miscellaneous
These Terms shall be governed by and interpreted in accordance with the law of Delaware exclusive of its choice of law rules. Your conduct may also be subject to other local, state, and national laws. Any action to be brought in connection with these Terms or the Application shall be brought exclusively in the courts of Delaware and you irrevocably consent to their jurisdiction. Any cause of action against us must be brought within one (1) year of the date such cause of action arose. If any provision of these Terms is held to be unenforceable, such provision shall be replaced with an enforceable provision which most closely achieves the effect of the original provision, and the remaining terms of these Terms shall remain in full force and effect. Nothing in these Terms creates any agency, employment, joint venture, or partnership relationship between you and us or authorizes you to act on our behalf. We may assign our rights and obligations hereunder to any third party without prior notice. You shall not assign any of your rights or obligations hereunder, and any assignment in violation of the foregoing shall be void. No waiver of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.