Terms & Condition
Effective Date: January 7, 2025
The following Terms of Use (“Terms”) govern your use of FourAngelsEnterprise.com, which includes business funding services, credit advisory, and related offerings (collectively the “Website”). The Website is owned and operated by Four Angels Enterprise, LLC (hereinafter referred to as "Company," "we," "us," or "our").
Before you begin to use the Website, please take a moment to review these Terms, which form a legal agreement between you and the Company. These Terms set forth important details about your relationship with us, including restrictions on how you can use our Website and our liability in the event something goes wrong.
This Agreement contains a mandatory arbitration provision, waiver of jury trial, and waiver of class actions. By submitting any information on this Website, you agree to be bound by these Terms.
The Agreement describes the terms and conditions governing your use of the Website and the products and services provided through or in connection with the Website (collectively, the “Service”), which may be updated by us from time to time without notice. You must read and agree to all of the terms contained in this Agreement and our posted Privacy Policy (incorporated herein by reference) before using the Service.
If you do not agree to these Terms, you may not use or access the Service.
1. USER AGREEMENT
By using this Website, you agree to comply with these Terms and our Privacy Policy. Upon entering requested information, our system may forward your information to our direct lending partner Ohio Business Funding, or to other participating providers and funding brokers, who may contact you regarding your request.
We are not responsible for actions taken after you leave this Website. Once you enter a participating provider’s website, you should review their Privacy Policy and Terms carefully as they may differ from ours.
By using this Website, you expressly authorize us to share your information with third-party providers and partners for the purpose of evaluating and delivering funding, credit, or related services. You also authorize such third parties to contact you by mail, email, SMS, or telephone (including autodialed or pre-recorded calls).
By registering and using this Website, you agree that your actions constitute an “inquiry” or “application” for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (“ATSR”). Notwithstanding that your telephone number may appear on the Federal Trade Commission’s or a state’s Do-Not-Call registry, you authorize us and our partners to contact you.
You further represent and warrant that:
You are at least 18 years old and legally able to enter into this Agreement.
All information you provide is accurate and truthful.
You understand the Company may share your information with its partners and providers for the purpose of delivering Services.
You acknowledge that any abuse of this Website may result in termination of access.
You understand that providers may perform a credit inquiry (soft or hard) as part of evaluating funding options.
Your use of the Service is subject to all applicable laws and regulations.
2. SERVICES
The Website serves as an online network marketplace for small and medium-sized businesses (SMBs) seeking working capital. You understand and agree that:
Four Angels Enterprise is a funding partner broker firm and works with lenders, including Ohio Business Funding, SBA loan providers, private lenders, and other funding brokers, to match you with appropriate financing.
We do not guarantee approval, loan commitments, or specific funding terms. Terms are determined by providers and may vary based on your credit, financial documentation, and revenue.
The Company does not act as your fiduciary, financial advisor, or agent. Decisions about funding options are solely yours.
Any compensation we may receive is from providers for marketing and referral services. We do not charge you fees for using the Website.
3. CHANGES TO AGREEMENT
We reserve the right to update or change these Terms at any time. By continuing to use the Website, you accept the revised Terms.
4. TERMINATION
We may reject or terminate any application, registration, or use of the Service at our sole discretion, with or without cause.
5. PROHIBITED USE
You agree not to:
Provide false, inaccurate, or misleading information.
Use the Website for fraudulent purposes.
Interfere with or disrupt Website functionality.
Attempt to access private data or other users’ information.
Use automated tools (e.g., bots, scrapers) to extract data.
6. THIRD-PARTY RELATIONSHIPS
Our Website may include links to or information from third-party providers. We are not responsible for their policies, services, or content. Your dealings with such providers are solely between you and them.
7. DISCLAIMER OF WARRANTIES
The Website and Services are provided “AS IS” and “AS AVAILABLE,” without warranties of any kind. We do not guarantee that you will be approved for funding or that funding will meet your business needs.
8. LIMITATION OF LIABILITY
In no event shall the Company or its affiliates be liable for any indirect, incidental, or consequential damages, including loss of profits, arising from your use of the Website or Services.
9. INDEMNIFICATION
You agree to indemnify and hold harmless Four Angels Enterprise, its officers, directors, employees, and partners from any claims, liabilities, or expenses arising from your use of the Website or Services.
10. DISPUTE RESOLUTION
This Agreement shall be governed by the laws of the State of Ohio. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association. You waive your right to a jury trial or class action.
11. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Four Angels Enterprise.