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WEBSITE TERMS AND CONDITIONS

Last Updated: June 22, 2023

 

Please read these Terms and Conditions (“Terms,” “Terms and Conditions”), along with our Privacy Policy, carefully before using intrepidfinance.io (the “Website”).

Your access to and use of the Website is conditioned on your acceptance and compliance with these Terms and Conditions. These Terms apply to all visitors, users, and others who access or use the Website.

By accessing or using the Services, you, the User, signify that you have read, understand and agree to be bound by these Terms of Use. In addition to these Terms of Use, you may enter into other agreements with us that will govern your use of specific aspects of the Services offered by us, such as (without limitation), agreements relating to advances you may request or other financing arrangements applicable to the Services (collectively, “Other Agreements”). If there is any contradiction between these Terms of Use and any Other Agreement you enter into for specific aspects of the Services, the Other Agreement shall take precedence in relation to the specific aspects of the Services to which it applies. 

You agree to review this Agreement for any such changes upon your use of the Websites and that your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites are intended for individuals who are at least 18 years of age and are accessing the internet from a physical location within the United States of America. By using or accessing the Websites, you acknowledge that you are 18 years of age or older and are accessing the internet from a physical location within the United States of America.

By accessing or using the Website you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Website.

LICENSE TO USE OUR WEBSITE

The Company may provide you with certain information as a result of your use of the Website. Such information may include, but is not limited to, data, rate sheets, or educational materials developed by Intrepid Finance. Subject to this Agreement, the Company grants you a non-exclusive, limited, non-transferable and revocable license to use the Company materials solely in connection with your use of the Website.

You agree to indemnify and hold Intrepid Finance, LLC  (and its officers, directors, agents, subsidiaries, joint ventures, employees and third-party service providers), harmless from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown including reasonable attorneys’ fees, arising out of a breach of your representations and warranties set forth above, this Agreement, or your violation of any law or the rights of a third party.

For any content that you submit on the Websites, Facebook, Twitter or any similar Intrepid-affiliated social media property, you grant Intrepid a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.

All content that you submit may be used at our sole discretion. We reserve the right to change, condense or delete any content on any website or social media property that we deem, in our sole discretion, to violate the content guidelines or any other provision of these Terms of Use. We do not guarantee that you will have any recourse to edit or delete any content you have submitted. For the ratings and reviews service, ratings and written comments are generally posted within two to four business days. We reserve the right to remove or to refuse to post any submission for any reason. You acknowledge that you, not Intrepid, are responsible for the contents of your submission. None of the content that you submit shall be subject to any obligation of confidence on the part of us, our agents, subsidiaries, affiliates, partners or third-party service providers and their respective directors, officers and employees.

INTELLECTUAL PROPERTY

You agree that the Website and all materials including, copyrights, trademarks, trade secrets and other intellectual property (“Company IP”) are the property of the Company. You agree that the Company owns all rights, titles and interest to the Company IP, and you will not use Company IP for any unlawful or infringing purpose. You agree not to reproduce any Company IP in any way.

All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces and computer code, including but not limited to the design, coordination, “look and feel” and arrangement of elements contained on the Websites (collectively “Content”) is owned or licensed by or to Intrepid. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Intrepid’s prior written permission. 

Nothing on the Websites should be construed as granting any license or right to use any Content.

THIRD-PARTY LINKS & CONTENT

The Company may occasionally post links to third party websites or other services. You agree that the Company is not responsible or liable for any loss or damage caused as a result of your use of any third-party services linked to or from our Website.

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave the Websites, you agree that We are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.

PRIVACY INFORMATION

Through your use of the Website, you may provide us, by choice, with certain information. By using the Website, you authorize Intrepid to use your information in the United States. See our Privacy Policy for more details.

None of Company’s, its parent, any of its affiliates, subsidiaries, providers or their respective officers, directors, employees, agents, independent contractors or licensors (collectively the “Intrepid Parties”) guarantees the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of any of the Content and the Intrepid Parties disclaim liability for errors or omissions in the Content.

THE SERVICES AND ALL OF THE SERVICES CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR QUIET ENJOYMENT. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE SERVICES CONTENT. THE INTREPID PARTIES DO NOT WARRANT THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Although we provide rules for User conduct and postings, we do not control and are not responsible for any User Content. The Company is not responsible for the conduct, whether online or offline, of any user of the Services. The Company cannot guarantee and does not promise any specific results from use of the Services to obtain an advance.

The Services may be temporarily unavailable from time to time for maintenance or other reasons. The Company assumes 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, User communications. The Company is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or on the Services or combination thereof, including injury or damage to Users or to any other person’s computer related to or resulting from participating or downloading materials in connection with the Web and/or in connection with the Service. Under no circumstances will the Company be responsible for any loss or damage to any User Content.

The Company reserves the right to change any and all content contained on the Services at any time without notice. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Company.

CHANGES

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. Any changes or modifications will be effective immediately upon posting the updated Terms and Conditions. You are encouraged to periodically review this Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Website after the date such revised Privacy Policy is posted.

COOKIES

We employ the use of cookies. By using intrepidfinance.io’s website you consent to the use of cookies in accordance with intrepidfinance.io’s privacy policy.

Most of the modern day interactive websites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

EMAIL, SMS and TELEPHONE MARKETING

By providing your email address and/or phone number(s) to Intrepid Finance, you agree and understand that:

  1. Intrepid and/or any third-party agency acting on its behalf (collectively, “Intrepid”) may communicate with you at such email address or number(s) by email message, phone call, voice message, internet-to-phone message, SMS text message, interactive voice recordings using autodial systems, or prerecorded artificial or voice messages (“Communications”).
  2. Standard message, data, voice, or other rates may apply from your landline, mobile service, or wireless device carrier for Communications you receive.
  3. You may unsubscribe through the link included at the bottom of the email to opt out of receiving further email messages from Intrepid.
  4. You may reply UNSUBSCRIBE to an email message to opt out of receiving further email messages from Intrepid.
  5. You may text HELP in response to a text message to receive help.
  6. You may text STOP in response to a text message to opt out of receiving further text messages from Intrepid.
  7. Additional terms and conditions may be provided to you in the future (e.g., as part of an opt-in confirmation text message), and such terms and conditions will supplement and not replace these terms.

You further represent and warrant that you are the subscriber for the phone number(s) provided and you possess the phone(s) associated with such number(s). You agree to notify Intrepid if your phone number(s) change or you no longer possess the phone(s) associated with such number(s).

TELEMARKETING CALLS: For marketing calls, text and emails (i) we, our agents, representatives, affiliates, third parties, and anyone calling on our behalf may call, email or SMS messages (including text messages) you at the numbers and addresses you have provided for purposes of describing goods and services that may be of interest to you, offered by us, our affiliates and/or third parties; (ii) these calls, text and email messages may be made using an automatic dialing or email system technology and/or involve prerecorded and/or artificial voice messaging. To the extent that we process your personal data in making any such calls, we will do so in accordance with our Privacy Policy. 

CALL RECORDING AND MONITORING: You acknowledge that is necessary for us to record and monitor, for quality assurance, training, risk management and/or collection purposes, any call that you place with us (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) or that we (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) place to you.

ELECTRONIC COMMUNICATIONS. Any Disclosures will be provided to you electronically through our Site or via electronic mail to the email address you provided. If you require paper copies of such Disclosures, please email us at getcapital@intrepidfinance.io.

 

BY PROVIDING YOUR TELEPHONE AND/OR CELL PHONE INFORMATION, YOU KNOWINGLY AND VOLUNTARILY AGREE TO INDEMNIFY, DEFEND, AND HOLD INTREPID FINANCE, LLC , ITS PARENTS, SUBSIDIARIES, AFFILIATES, PREDECESSORS, SUCCESSORS, AND ASSIGNS, AND EACH OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, HARMLESS FROM AND AGAINST ANY AND ALL LOSSES, COMPLAINTS, DEMANDS, CLAIMS, CAUSES OF ACTION, LIABILITIES, COSTS, JUDGMENTS, DAMAGES, FINES, PENALTIES, COMPENSATION, ATTORNEY’S FEES, AND EXPENSES OF ANY KIND, INCLUDING ANY AND ALL TYPES OF INJURIES AND/OR DAMAGES SUFFERED BY YOU, WHICH ARISE AS A RESULT OF (OR ARE RELATED TO) THE COMMUNICATIONS. YOU KNOWINGLY AND VOLUNTARILY AGREE NOT TO SUE, OR CAUSE ANY LAWSUIT, COMPLAINT, CLAIM, OR CHARGE TO BE FILED ON YOUR BEHALF AGAINST INTREPID OR ITS VENDORS WITH RESPECT TO ANY SUCH DAMAGES.

LICENSE

Unless otherwise stated, intrepidfinance.io and/or its licensors own the intellectual property rights for all material on intrepidfinance.io. All intellectual property rights are reserved. You may view and/or print pages from https://intrepidfinance.io for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  • Republish material from https://intrepidfinance.io
  • Sell, rent or sub-license material from https://intrepidfinance.io
  • Reproduce, duplicate or copy material from https://intrepidfinance.io
  • Redistribute content from intrepidfinance.io (unless content is specifically made for redistribution).

HYPERLINKING TO OUR CONTENT

The following organizations may link to our Web site without prior written approval:

  • Government agencies
  • Search engines
  • News organizations

Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and

Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Website.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

We may consider and approve in our sole discretion other link requests from the following types of organizations:

  • commonly-known consumer and/or business information sources such as Chambers of Commerce 
  • American Automobile Association, AARP and Consumers Union;
  • dot.com community sites
  • associations or other groups representing charities, including charity giving sites,
  • online directory distributors, internet portals;
  • accounting, law and consulting firms whose primary clients are businesses; and

educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link: 

  • is not in any way misleading; 
  • does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services
  • fits within the context of the linking party’s site

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to getcapital@intrepidfinance.io. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

  • By use of our corporate name; or
  • By use of the uniform resource locator (Web address) being linked to; or
  • By use of any other description of our Web site or material being linked to that makes sense within the
  • context and format of content on the linking party’s site.
  • No use of intrepidfinanice.io’s logo or other artwork will be allowed for linking absent a trademark license agreement.

HYPERLINKING TO OUR CONTENT

Intrepid is not an agent of either you or any Provider. Intrepid is not acting as your agent or as the agent of any Provider. Intrepid’s services are only administrative. You agree you will rely on your own judgment and research independent of any communications or information you receive from Intrepid in deciding which available product, terms and Provider best suits your needs and financial situation.

Any Form you submit is considered an inquiry to be matched with Providers that may be able to present conditional offers. The Provider is solely responsible for its services to you, and you agree that Intrepid shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services or your interactions with any Provider. You understand that Providers may keep your Application information and any other information provided by Intrepid or received by them in the processing of your Qualification Form, whether you are qualified for a product with them or complete a formal application for services with them.

For any Service, by saving your information with Intrepid or submitting a Form, you represent that all the information you have provided is true, accurate, current and complete. You further acknowledge that you alone will use your account to access the Services. You must not sell, transform or assign your account to anyone else. You agree to keep your login information confidential, to employ reasonable and appropriate safeguards to prevent unauthorized access to your account, and to not share your account credentials with any third party or allow anyone else to log into our Services as you. You are responsible for all activities that occur under your member account. If you believe that your account is no longer secure, you agree to notify us immediately.

When you “submit” information, create an account or otherwise register for Services through our Websites, you understand and agree that you have established a business relationship between you and Intrepid. Accordingly, Intrepid may send your information to certain affiliates and third parties as provided in the Privacy Policy and you agree that Intrepid, its affiliates, and persons calling on Intrepid’’s behalf may contact you using information you provided with information and offers of services available through Intrepid and the Websites. You also give Intrepid  permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information regarding your submission, including incomplete Forms, the identification of matched Providers, deadlines, quality of services or other matters in connection with your Form.

In addition, certain state and federal laws require that the information you provide us is housed and securely maintained and cannot be removed, purged, or destroyed until the expiration of certain prescribed periods. Providers may also from time-to-time be required to share the information you submit to them with Intrepid in order to adhere to applicable laws. Providers and Intrepid may also maintain and share information provided by you and about you by third parties for internal marketing and analytics. You are providing express written consent for the retention of this information upon completion of an inquiry form for Intrepid and the selected Provider to share this information for these purposes.

By submitting a Form, you are providing express written instructions under the Fair Credit Reporting Act for Intrepid and Provider partners with whom you are matched to obtain your consumer credit report from your credit profile or other information from contracted Credit Bureau(s) for the purpose of matching you to a Provider, product, or service through the Intrepid network. This information could include, but might not be limited to, your credit report, credit score, and other credit information. Intrepid will obtain a limited credit report (“soft pull”) regardless of whether you provide your Social Security Number. To help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, Intrepid and its Providers may obtain, verify and record information that identifies each person who opens an account with us and Providers. Intrepid and its Providers may ask for your name, Social Security Number, address, telephone number, date of birth and other important information including, but not limited to, information received from your credit file, that may allow us and Providers to properly identify you. It is possible that a Provider may perform a soft inquiry on your credit at the same time for the same or similar purposes, but the soft inquiry into your credit does not impact your credit score. Not all Providers will receive your Social Security Number and, for those that do, not all will perform the soft inquiry of credit. Intrepid does not perform hard inquiries into credit, though certain lenders on its network will perform a hard inquiry to evaluate you for a firm offer of credit. From time-to-time Intrepid may be examined by state and federal regulators and as such is required to maintain your Personally Identifiable Information to adhere to certain jurisdictions’ data retention requirements. Your information may also be obtained from Providers after you are matched to adhere to state and federal reporting and record retention requirements. You authorize Intrepid and its participating Providers to share such information as required.

Services offered by Providers may only be made to residents of states where Providers are authorized to make such Loans. A Provider’s participation in and offering of its products on the Websites does not constitute an offer by any Provider or by Intrepid to provide services outside of their authorized jurisdictions, and to the extent you seek or receive information from a Provider regarding any prospective service which would be outside of the Providers’ authorized jurisdiction, that information is for informational purposes only. Providers shall have the right to discontinue, suspend or terminate the offering of any Loan product in any specific state through the Websites at any time, without prior notice.

We do not guarantee acceptance into any particular program or specific terms or conditions with any Provider; approval standards are established and maintained solely by individual Providers. Likewise, we do not guarantee that the rates offered by Providers include the lowest rates available in the market or the rate that the Providers will ultimately charge. A Provider’s conditional Loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Providers may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location, equity and value and income/asset consideration including but not limited to Loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a Loan commitment or interest rate lock-in agreement. Providers may not offer all products as well as not offer products in all states. You might not be matched with the Provider making any specific offer. If you agree to terms with any Provider with whom you are matched on our Websites, you will be responsible for paying for any closing costs associated with your Loan (such as settlement services, Loan processing, underwriting or funding fees) at closing.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (collectively, a “submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry for a Service through Intrepid to each of the Providers to whom your Loan request is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive notices, disclosures and other communications in electronic form (either by email or via the Internet) as provided by Intrepid and its Providers.

TERMS APPLICABLE TO EDUCATION CONTENT AND RESOURCES

We provide content and tools on our Websites that allow you to enhance your education and learn how certain financial decisions could impact your financial well-being. We provide these materials for informational, educational, and entertainment purposes only, and at no time are we providing legal, financial, investment, tax planning, medical or any other form of advice. You may see offers on these Websites from companies that compensate us. This compensation may impact the location and order in which these offers appear. Our Websites do not include the entire universe of available credit, funding, venture capital, private equity or other form of financial offers.

PROPRIETARY RIGHTS IN SERVICES CONTENT; LIMITED LICENSE

All content on the Services, including but not limited to designs, text, graphics, pictures, video, information, software, music, sound and other files, and their selection and arrangement (the “Services Content”), are the proprietary property of the Company or its licensors with all rights reserved. No Services Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without the Company’s prior written permission, except as provided in the following sentence and except that the foregoing does not apply to your own User Content (as defined below). Provided that you are eligible for use of the Services, you are granted a limited, non-exclusive, fully revocable license to access and use the Services and to download or print a copy of any portion of any content on the Site solely for your use in connection with your use of the Services, provided that you keep all copyright or other proprietary notices intact. Except for your own User Content (as defined below), you may not republish Services Content on any Internet, Intranet or Extranet site or incorporate the information in any other database or compilation, and any other use of the Services Content is strictly prohibited. Any use of the Services or the Services Content other than as specifically authorized herein, without the prior written permission of the Company, is strictly prohibited and, without prejudice to any other rights available to Intrepid, will terminate the license granted herein. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable by us at any time without notice and with or without cause.

REGISTRATION FOR THE SERVICES

For certain features of the Services, you’ll need an account.

By registering for an account with the Services, you certify that:

  • Any information you provide to us, both when you register and, in the future, is and will be true, accurate, current and complete
  • You are only registering an account for a business registered in the United States, Canada, United Kingdom, the European Union and comply with the requirements of these Terms of Use
  • You will keep all information up-to-date

By registering for an account with the Services, you further confirm the following:

You understand that Intrepid may use and analyze your information in order to (a) provide you with a better experience; (b) provide you with customized recommendations (c) serve you targeted offers and advertisements; (d) run statistical analysis; and (e) aggregate your data and publish results in a way that cannot identify you individually.

You will grant (or procure the grant of) such access as Intrepid may require to connect to any appropriate data sources in order to supply the Services to you, including (without limit) any third party payroll service, bank, recurring revenue subscription software or payment processing services. You will provide, and shall procure that any such third party provides, Intrepid with all necessary cooperation in connection with the same. The supply of the Services by Intrepid is conditional upon such access and cooperation.

You further acknowledge and agree that Intrepid may disclose certain of your data (including Registration Data and/or User Content) (i) to Intrepid third-party referral partners, including if you were referred to the Services from a referral partner of Intrepid, and (ii) to third parties as reasonably necessary (in Intrepid’s good-faith discretion) to provide and maintain the Services, and as otherwise required by applicable law.

REGISTRATION DATA; ACCOUNT SECURITY

In consideration of your use of the Services, you agree to (a) provide accurate, current and complete information about you and your business Services, in each case as may be prompted by any registration forms on the Site or otherwise requested by the Company (“Registration Data”), including the business or entity’s full legal name; (b) provide such materials as the Company may request to establish and/or verify your authority to enter into binding agreements, your legal existence, good standing in any jurisdiction and eligibility to use the Services; (c) maintain the security of your password and identification; (d) maintain and promptly update the Registration Data, and any other information you provide to the Company, to keep it accurate, current and complete; (e) promptly notify the Company regarding any material changes to information or circumstances that could affect your eligibility to continue to use the Services or the terms on which you use the Services; and (f) be fully responsible for all use of your account and for any actions that take place using your account. In the event that a third party gains access to your username or password, you should notify us immediately by emailing getcapital@Intrepidfinance.io.com. We are not liable for any loss resulting from your failure to protect the confidentiality of your username or password.

Furthermore, you represent and warrant and agree that you will not represent or portray your business or entity as being affiliated with the Company in any capacity other than being a User of the Services without the Company’s prior written consent.

RESTRICTIONS ON USE

You represent, warrant and agree that no materials of any kind submitted through your account or otherwise posted or shared by you through the Services will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory, fraudulent or otherwise unlawful material. You further agree not to harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Services for any other purpose. You further agree that you may not use the Services in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Services. In addition, you agree not to use the Services to:

  • upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;
  • except where authorized by the Company, register for more than one User account, or operate a User account on behalf of or for the benefit of any person or entity who is not eligible to register for or operate a User account in their own name;
  • operate or otherwise utilize an account for any purpose prohibited by law or regulation, any activity which you are not duly authorized to conduct, or for any purpose prohibited by any other agreement between you and the Company or a Partner Bank;
  • impersonate any person or entity, or falsely state or otherwise misrepresent yourself, or your affiliation with or authority to act on behalf of any person or entity;
  • upload, post, transmit, share or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
  • upload, post, transmit, share or otherwise make available any material that contains software viruses or any other malicious or tracking computer code, files or programs designed to track, interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • upload, post, transmit, share, store or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
  • use or attempt to use another’s account, service or system without authorization from that person and the Company, or create a false identity on the Services; or
  • upload, post, transmit, share, store or otherwise make available content that, in the sole judgment of the Company, is objectionable or which restricts or inhibits any other person from using or enjoying the Services, or which may expose the Company or its users to any harm or liability of any type.

Additional Representations

In addition to the User Representations you further agree and confirm that:

  • you will communicate with any other User regarding any advance request made by you;
  • you will not represent or portray the business or entity as anything other than a seller in connection with its advance request without the Company’s prior written consent.

DISPUTE RESOLUTION

Any disputes arising out of or relating to these Terms and Conditions shall be resolved through binding arbitration conducted by a mutually agreed-upon arbitrator. The arbitration proceedings shall be conducted in accordance with the rules and procedures established by the American Arbitration Association, ensuring a fair and impartial process. Both parties willingly and knowingly waive their right to a trial by jury, understanding that arbitration provides an efficient and confidential means of resolving disputes. Additionally, the parties agree not to participate in any class action lawsuits, recognizing the benefits of resolving individual claims through arbitration.

Limitation Of Liability

In no event shall Intrepid Finance or Intrepid Finance, LLC or its affiliates be held liable for any indirect, incidental, special, consequential, or punitive damages that may arise from or be connected with the use or performance of the Website. This includes, but is not limited to, damages resulting in the loss of profits, data, or goodwill. By acknowledging this limitation, the User recognizes that the Website is provided on an “as is” and “as available” basis, and Intrepid Finance, LLC cannot be held responsible for any unforeseen consequences or damages incurred while using the Website.

GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the laws of the state which the company has been registered. The parties agree that any disputes or legal actions arising from these Terms and Conditions shall be subject to the exclusive jurisdiction of the state and federal courts located within the state which the company has been registered .By choosing this governing law, the parties ensure consistent interpretation and application of these Terms and Conditions, regardless of any conflict of laws provisions that may otherwise arise.

RESTRICTIONS ON DATA COLLECTION/TERMINATION

Without our prior consent, you may not:

  • use any automated means to access this Site or collect any information from the Services (including, without limitation, robots, spiders, scripts or other automatic devices or programs);
  • frame the Site, utilize framing techniques to enclose any Services Content or other proprietary information, place pop-up windows over this Site’s pages, or otherwise affect the display of this Site’s pages;
  • engage in the practices of “screen scraping,” “database scraping” or any other activity with the purpose of obtaining content or other information;
  • upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any Intrepid member or third party;
  • Use data provided by Intrepid, provided in any manner whatsoever, for any competing uses or purposes. You further agree that you have never used data, provided in any manner whatsoever, from Intrepid in the past to compete with the products or services of Intrepid; or
  • use the Services in any manner that violates applicable law or that could damage, disable, overburden, or impair this Services or interfere with any other party’s use and enjoyment of this Services

We may terminate, disable or throttle your access to, or use of, the Services at any time without notice for any reason, with or without cause at Intrepid’s sole discretion.

Any interpretation of any content, regardless of its nature, including but not limited to agreements, conditions, statements, policies, or clauses, shall be at the sole discretion of Intrepid.

SEVERABILITY

In the event that any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue to be binding and enforceable to the fullest extent permitted by law. The parties understand and agree that the invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions of these Terms and Conditions.

WAIVER

The failure of Intrepid Finance, LLC to enforce any provision of these Terms and Conditions shall not be construed as a waiver of such provision or the right to enforce it in the future. The parties acknowledge that the waiver of any right or provision under these Terms and Conditions can only be made explicitly and in writing. The failure to exercise or enforce any right or provision shall not be deemed a waiver of such right or provision in any subsequent instance or circumstance.

ASSIGNMENT

The User acknowledges and agrees that they may not assign these Terms and Conditions or any rights or obligations hereunder without the prior written consent of Intrepid Finance, LLC. Any attempted assignment without such consent shall be deemed null and void. Intrepid Finance, LLC, however, retains the right to assign these Terms and Conditions or any rights or obligations herein to any third party at its sole discretion.

FORCE MAJEURE

Intrepid Finance, LLC shall not be held liable for any failure or delay in performing its obligations under these Terms and Conditions if such failure or delay is caused by circumstances beyond its reasonable control. These circumstances include, but are not limited to, acts of God, natural disasters, war, terrorism, riots, strikes, or any other event outside of Intrepid Finance, LLC’s control. In the event of a force majeure event, Intrepid Finance, LLC will make reasonable efforts to mitigate the impact and resume normal operations as soon as practicable.

SURVIVAL

The provisions of these Terms and Conditions that, by their nature, should survive termination shall indeed survive termination. This includes, but is not limited to, the Intellectual Property, Limitation of Liability, and Dispute Resolution clauses. The parties acknowledge that certain rights, obligations, and restrictions contained in these Terms and Conditions are intended to endure beyond the termination of the agreement, ensuring the ongoing protection of intellectual property rights and the resolution of any disputes that may arise.

HEADINGS

The headings used in these Terms and Conditions are provided for convenience purposes only and shall not affect the interpretation or construction of the provisions herein. The parties acknowledge that the headings are not intended to be substantive parts of the agreement but are included solely to assist in organizing and understanding the content of these Terms and Conditions.

ENTIRE AGREEMENT

These Terms and Conditions, in conjunction with the Privacy Policy, constitute the entire agreement between the User and Intrepid Finance, LLC, governing the use of the Website. These Terms and Conditions supersede all prior or contemporaneous agreements, representations, warranties, and understandings, whether oral or written, between the parties. Any modifications or amendments to these Terms and Conditions must be made in writing and agreed upon by both parties to be valid and enforceable.

CONTACT

The User agrees to provide accurate and up-to-date contact information to Intrepid Finance, LLC. The User acknowledges that providing reliable contact information is essential for effective communication and the proper administration of services. Intrepid Finance, LLC may use the provided contact information to communicate important updates, notifications, or requests related to the Website or any relevant services. The User understands that it is their responsibility to promptly notify Intrepid Finance, LLC of any changes or updates to their contact information to ensure continued communication and uninterrupted access to the Website. Intrepid Finance, LLC agrees to handle the User’s contact information in accordance with its Privacy Policy, ensuring the confidentiality and security of the provided information, subject to any required legal disclosures or obligations.