Terms and conditions

Welcome to BuildUp Financial!

These terms and conditions outline the rules and regulations for the use of BuildUp Financial's Website, located at https://buildup-financial.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use BuildUp Financial if you do not agree to take all of the terms and conditions stated on this page.

Terms of Service

These Terms of Service govern your use of our websites (collectively referred to as the "Website" or "Site"), online and small business financing products and services (collectively referred to as the "Services"). By accessing or using the Website and Services, you signify that you have read, understood, and agree to be bound by these Terms of Service.

Eligibility:
You must comply with these Terms of Service and all applicable laws when using the Services. By accessing the Services, you confirm that you are 18 years of age or older. Individuals under 18 years of age are strictly prohibited from using the Services. If BuildUp Financial believes, in its sole discretion, that you are under 18 years old, your profile will be deleted, and your access to the Services may be terminated without notice.

Accounts:
You are responsible for maintaining the security of your account and promptly notifying BuildUp Financialof any unauthorized use or breach of security. You may not use another user's account, and you accept sole responsibility for all activities that occur under your account.

Limitations on Use:
The availability of the Service may vary depending on your jurisdiction. You agree not to use the Services for any unauthorized or unlawful purposes, including copying, distributing, or disclosing any part of the Service, transmitting spam or unsolicited email, or attempting to interfere with the system integrity or security.

Privacy:
Protecting your privacy is important to us. By using the Website and Services, you consent to the collection, use, and disclosure of your personally identifiable information as described in our Privacy Policy. You also agree to receive communication from BuildUp Financial via email or phone, including notices related to the Services and promotional messages, as outlined in our Privacy Policy.

Services:
Subject to these Terms of Service, you are granted a limited, non-transferable license to use the Services for your internal business use. BuildUp Financial reserves all rights not expressly granted to you. Some Services may require registration, and certain Services are subject to separate terms and conditions, such as our Business Finance Terms for small business financing.

Proprietary Rights:
All materials and intellectual property rights related to the Services, including the BuildUp Financial Content, are the exclusive property of BuildUp Financial and its licensors. You agree not to sell, license, modify, or distribute any BuildUp Financial Content without express permission.

Indemnity:
You agree to defend and hold BuildUp Financial harmless from any claims, liabilities, or damages arising from your use of the Services or any violation of these Terms of Service.

These combined terms constitute a legally binding agreement between you and BuildUp Financial. If you do not agree with any provision of these terms, please refrain from using the Website and Services. BuildUp Financial reserves the right to modify these terms at any time, and any changes will be effective upon posting on the Site.

Site Monitoring:
We are not obligated to actively monitor the website, but we reserve the right to electronically monitor it as we see fit. This includes the ability to disclose any information you provide, if necessary, to comply with laws, regulations, governmental requests, operate the website, or protect ourselves and other users.

Severability:
If any provision in these Terms of Use is deemed invalid or unenforceable, it will not affect the validity and enforceability of the remaining provisions.

Termination:
We may, at our sole discretion and unless prohibited by law, terminate or modify these Terms of Use, your access to the website or services, or any ongoing transactions at any time and without notice for any reason.

Additional Terms:
Certain portions of the website may have additional terms and conditions that require your agreement. In the event of a conflict between those additional terms and conditions and these Terms of Use, the additional terms and conditions will prevail.

Governing Law:
By visiting or using the website and services, you agree that the laws of the State of Wyoming, without regard to conflict of laws principles, will govern these Terms of Use.

Please note that the provided text is for informational purposes only and does not constitute legal advice. If you have specific legal concerns, it is recommended to consult with a qualified attorney.

At BuildUp Financial (“we,” “us,” or “our”), we value your privacy. We collect, process and maintain your personally identifiable information in accordance with the policies described below (our “Privacy Policy”). “Personally identifiable information” means individually identifiable information about you collected online by us from you and maintained by us in an accessible form.

What do we collect?
The categories of personally identifiable information that we collect through our website at https://buildup-financial.com/ (our “website”) includes: identifiers such as first and last name, address, e-mail address, telephone number, social security number; driver’s license number, internet protocol address, business name, address, e-mail address and phone number, veteran and immigrant; California Records Act information, such as bank account number, financial and retirement account information; protected classifications such as gender, age and ethnicity; commercial information such as real and personal property ownership information; and professional and employment information.

Who do we share personally identifiable information with?
The categories of third-party persons or entities with whom we may share personally identifiable information includes service providers such as web hosting providers and software application providers; contractors such as credit reporting agencies and other contractors utilized for credit decisions and collection practices, document delivery services, appraisers, attorneys, investors and funding sources; and governmental entities.

How can you review and request changes to you personally identifiable information?
If you wish to review and request changes to any of your personally identifiable information that is collected through our website, please send an e-mail with your request to: contact@buildupfinancial.io

How will you know about changes to our Privacy Policy?
We may make material changes to our Privacy Policy from time to time, in our sole discretion. When we do so, we will post the new Privacy Policy on our website with its effective date. You should consult this Privacy Policy regularly for any changes. Continued use of services following posting of such changes constitutes your acknowledgement of such changes and agreement to be bound by the changes. If you do not agree, you should immediately discontinue your use of our website and services.

Do we respond to “Do Not Track” signals?
Our website does not respond to “Do Not Track” signals or other similar mechanisms.

May other parties collect personally Identifiable Information from our website?
Other parties may collect personally identifiable information about your online activities over time and across different websites when you use our website.

Do we collect information from children?
We do not direct our website toward or knowingly collect any individually identifiable information from children under the age of 13. If you are under the age of 13, you may not use our website unless you provide us with your parent or guardian’s name and contact information and they consent to your use of our website. If you are a parent or guardian and think that your child provided personally identifiable information on our website, please contact us immediately and, if you request, we will remove such information from our records.

Rights of California residents.
If you reside in California and have provided us with your personal information (information that identifies, describes, relates to or can be linked to you), you may request information about our disclosures of certain categories of personal information to third parties for their direct marketing purposes. Such requests must include your name, street address, city, state, and zip code, and be submitted to us at one of the following addresses: contact@buildupfinancial.io with the subject “California Shine The Light Request” or 8735 Dunwoody Place Ste N, Atlanta GA 30338: Shine the Light. Within thirty days of receiving such a request, we will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted to addresses other than the addresses specified in this paragraph.

Rights of California residents under the age of 18.
If you are a California resident under the age of 18, and a user of our website, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information that you have publicly posted. To make such a request, please send an email with a detailed description of the specific content or information to contact@buildupfinancial.io Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

Consent
By using our website, you hereby consent to our Privacy Policy and agree to its Terms of Service.

By submitting our application, you acknowledge and agree to the following terms:

Credit Check Authorization: You hereby authorize BuildUp Financial and its affiliated companies to conduct both soft and hard credit checks in connection with the processing and evaluation of this application. This authorization includes obtaining and reviewing information from personal credit bureaus.
Certification of Accuracy: You certify that all information provided in this application is true, accurate, and complete to the best of your knowledge.
Consent to Communication: You consent to receive communications from BuildUp Financial, including but not limited to phone calls, text messages, and emails, pertaining to this application and any related matters.
Authorization for Reference and background Checks: You grant BuildUp Financial the authority to contact and obtain information from your bank and trade references for the purpose of evaluating your application and managing any subsequent lease agreement.
Use of Information: You acknowledge that the information obtained from credit checks, bank, and trade references will be utilized for the purposes of evaluating this application and administering the lease, if approved.

By proceeding with the submission of your application, you affirm your understanding and acceptance of these terms.