Terms of Service

Your agreement with us includes these Terms and our Privacy Policy (“Agreements”). You acknowledge that you have read and understood Agreements, and agree to be bound by them.

If you do not agree with (or cannot comply with) Agreements, then you may not use the Service, but please let us know by emailing at support@tillful.com so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service.

1. The Services and Websites are meant to provide you a means to review your personal and business finance and/or credit information for educational purposes only. The Services and Websites may also provide you other third-party products or services.
2. We will identify those Services that are provided to you free of charge. Some of the Services require a fee at the time of Service purchase or enrollment. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment method presented and agree to pay the specified fee for paid Services, including any method offered or used through a mobile application. Furthermore, you agree and authorize The Company to: (i) submit a transaction using the card information provided, (ii) in the case of automatic recurring transactions, submit a transaction on a recurring basis (e.g. monthly or annual basis) for membership renewals.
3. As discussed above, and for your convenience, we may provide various other third-party websites that may be of interest to you. The third party offers or links that may be displayed on a Website are from third party companies from which The Company may receive compensation. Compensation may impact how, where or whether a third party product, service or link appears on a Website. Further, The Company does not represent, warrant or guarantee approval of any loan offer or service offered by a third party on any Website or other benefit should you choose to apply for a particular offer. Any suggestion or representation of possible approval are for illustrative purposes only and may vary based on your individual and business entity’s financial circumstances and the terms made available to you by the applicable issuer or lender. The Company disclaims all liability for any errors or omissions in any express or implied suggestions or representations related to possible approvals or benefits made by The Company or its marketing partners. For complete information on any particular offer, see the terms and conditions on the issuer or lender’s website. Once you click apply for any offers, you will be directed to the issuer or lender’s website where you may review the terms and conditions of the applicable opportunity or offer before applying.
4. While The Company uses reasonable efforts to present the most accurate information, we show a summary to help you choose a third party service, not the full legal terms. The Company does not control or endorse such websites and is not responsible for their content, nor is it responsible for the accuracy or reliability of any information, data, opinions, offers, advice, or statements contained within such websites, nor can The Company guarantee your and/or your business entity’s eligibility to take advantage of any of the information, data, opinions, offers, advice or statements contained within those websites. Please carefully read the terms and conditions or terms of use policies of any other third party company or website you may link to from our Websites. If you decide to access any of the third party sites linked to the Websites, you do so at your own risk. The Company reserves the right to terminate any link or linking program at any time. The Company disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such third party websites.
   
   

Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free. Any such information is not included as part of your credit score monitoring product but is provided free of charge to all consumers, regardless of whether they are members of the credit score monitoring product.

Tillful’s online marketplace offers provide you with information about potential loan products that may be suitable for your business and for which your business may qualify for based on information provided to Tillful by you. Tillful does not negotiate or assist in the application process on your behalf. Tillful is not a lender and is not engaged in the business of making loans. Tillful makes no promise or guarantees to procure a loan for any person or business. In the event that you are approved, you accept, and receive funds from a third-party service provider in Tillful’s online marketplace, you certify that any such funds received are for business purposes only and will be placed in a business account segregated from any personal account.

In certain jurisdictions, sales tax at state and local rates may apply, in which case you may be charged the applicable taxes in addition to the monthly or quarterly fee and/or the price of the product.

For certain Products and/or channels where Products are sold, we reserve the right to accept or decline some forms of payment, including, but not limited to “pre-paid” or “re-loadable” credit/debit cards.

(c) To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation.

(d) To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity.

(e) In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.

(f) To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of Service, or which, as determined by us, may harm or offend Company or users of Service or expose them to liability.

Additionally, you agree not to:

(a) Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party’s use of Service, including their ability to engage in real time activities through Service.

(b) Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.

(c) Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.

(d) Use any device, software, or routine that interferes with the proper working of Service.

(e) Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.

(f) Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.

(g) Attack Service via a denial-of-service attack or a distributed denial-of-service attack.

(h) Take any action that may damage or falsify Company ratings.

(i) Otherwise attempt to interfere with the proper working of Service.

(j) Any use outside of the U.S and its territories.

We also encourage you to review the Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245.

We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at our sole discretion.

WE STRONGLY ADVISE YOU TO READ THE TERMS OF SERVICE AND PRIVACY POLICIES OF ANY THIRD PARTY WEB SITES OR SERVICES THAT YOU VISIT.

Without in any way limiting the foregoing, use of certain integrated third-party services shall be subject to additional end user license terms, and require that you enter into an end user agreement directly with the third-party service provider. Your use of such third-party services signifies your express agreement to such end user agreements.

Should any conflict arise between the terms of this Agreement and any such end user license agreement, this Agreement shall control.

1. Definitions.
   

1. “Applicant” means a commercial entity which applies for a loan, line of credit, credit facility, or other financing instrument (a “Loan”, “Funding”) utilizing Partner Services, or any other end user of the Services as contemplated in the Agreement.
2. “Applicant Data” means any information: (i) an Applicant transmits through, to, or using PartnerServices, or (ii) which We provide to You in respect of or in relation to an Applicant.
3. “Funder” means a financial institution which evaluates Applicant information and determines the qualifications and terms for providing funding to an Applicant.
4. “Funding Services” means the services, subject to the terms of this Agreement, including Tillful’s processing of Applicant funding requests and matching Applicants with prospective Funders.
5. “Credit Reporting Agencies” means one of the recognized agencies in the business of keeping credit score, such as Experian Information Solutions, Inc., TransUnion, LLC, and/or Dun & Bradstreet, Inc. or any other credit reporting company.

1. User Restrictions. The Partner Service is only available to businesses and/or commercial entities, and individual users and consumers shall not use or otherwise access the Partner Service. You hereby warrant that neither you, the company you represent, nor any of its officers, directors, members, managers, or employees are: a) are Specially Designated Nationals, b) operate as a credit clinic or a credit repair organization, c) are listed on an Experian Customer Alert List, d) are included on any government issued prohibition list (as published by OFAC, Treasury, or a similar regulatory entity), or e) have been involved in credit fraud or other unethical business practices.
2. Experian Restrictions. In consideration of your right to receive and use Applicant Data and the Partner Services, you understand and certify that the Partner Services: (i) will be used solely in connection with a present or prospective credit or financial transaction with the business entity inquired upon or for other legitimate commercial purposes, including business research; (ii) will not be used as a factor in establishing an individual's eligibility for (a) credit or insurance to be used primarily for personal, family or household purposes, or (b) employment; (iii) will be used in compliance with all applicable laws, regulations and ordinances, and all special use restrictions set forth in the Agreement or otherwise adopted by Experian, Tillful, or Tillful’s vendors hereafter; and (iv) will be maintained in confidence and disclosed only to persons whose duties reasonably relate to the business purposes for which the information was requested.
3. Proprietary Scoring. Tillful’s vendor may assign a proprietary credit and risk scoring metric to an Applicant (the "Score"). The Score credit score may or may not be used by Funders or Credit Reporting Agencies and is not an endorsement or guarantee of Applicant's credit worthiness as seen by Funders or Credit Reporting Agencies. There are many scoring models used in the marketplace and each scoring model may have its own set of factors and scale. The information and credit scoring may be different than that used by a Funder. The Score may not be identical in every respect to any other credit score produced by another company or used by a given Funder.

The Score is calculated using Applicant's actual data from Applicant's credit file on the day that the Score is calculated. Other factors, such as length of employment and annual salary, are often taken into consideration by Funders when making decisions about Loans. How each Funder weighs its chosen factors may vary, but the exact formula used to calculate the Score is proprietary. Each consumer reporting agency has its own set of data, which may result in a separate Score for each of Applicant's credit files. All Scores provided by Tillful or its vendors shall be held in strict confidence and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any person except as required by law or as otherwise set forth in the Agreement.

1. Applicant Data. You agree that We may disclose Applicant Data to Our Representatives, Funders, Credit Reporting Agencies, or third parties as necessary to provide the Services. You agree that We may provide Applicant Data to the Distributor, and may furnish to Funders and to the Distributor a copy of Applicant’s credit report information (including credit scoring and derivative commercial risk assessments created with the use of Applicant Data and/or any credit report We receive as part of the Services) if one is authorized by Applicant in connection with Funding Services. You consent to Tillful and its Representatives using Applicant Data to contact You via phone, text, SMS or any similar mechanism, including through the use of an automated telephone dialing system, for marketing purposes.

California Finance Lending Law. At this time, Tillful will not provide Funding Services with respect to any California Merchants in a manner that would require a California Finance Lending Law Licensing.

1. You may access your credit report and/or score for 30 days from the date of payment.
2. Refunds will not be issued once we have successfully located and delivered the Product(s) to you.
3. If you have questions regarding your credit report or would like to dispute information, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report.
4. For online customers, if you are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when reviewing your credit report and/or credit score online, your session will conclude and you will be logged out for your protection.

Disclaimers: You acknowledge that the information provided to you, including the score factors derived from the elements in your credit report, may change over time as your credit report changes. You also acknowledge that the score factor information on how to monitor your credit position assumes there will be no adverse changes in your credit performance. TILLFUL IS NOT RESPONSIBLE FOR THE ACCURACY OR CONTENTS OF YOUR CREDIT FILE, INCLUDING BUT NOT LIMITED TO, INFORMATION DELIVERED IN THE CREDIT REPORT AND/OR SCORE PRODUCTS. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee.

Users may direct Tillful to retrieve their own information maintained online by third parties with which they have customer relationships, maintain accounts, or engage in financial transactions (“Account Information”). Tillful works with one or more online service providers to access this Account Information. Tillful does not review the Account Information for accuracy, legality, or non-infringement. Tillful is not responsible for the Account Information or products and services offered by or on third-party sites.

THE INFORMATION CONTAINED IN THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR OTHER MATERIALS YOU MAY RECEIVE FROM TILLFUL DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. OTHER THAN TO THE EXTENT MADE IN, WITHIN THESE TERMS AND CONDITIONS.

THE COMPANY IS NOT RESPONSIBLE FOR THE ACCURACY OR CONTENTS OF YOUR CREDIT FILE, INCLUDING BUT NOT LIMITED TO, INFORMATION DELIVERED IN THE CREDIT REPORT AND/OR SCORE PRODUCTS. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD US AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS' FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF COMPANY HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF COMPANY, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.