Terms of Service.

1. Acceptance of Terms

By accessing or using the Ironclad Funding website (the "Site") or submitting an application, you agree to be bound by these Terms of Service. If you do not agree, do not use the Site. These terms apply to all visitors and users.

2. Eligibility

You must be at least 18 years old and authorized to act on behalf of the business you represent. By using the Site you represent that all information you provide is accurate and that you have the authority to submit it.

3. Description of Services

Ironclad Funding is a financial technology company that helps businesses explore funding options. We are not a bank. We facilitate applications and may connect you with funding products and partners.

• We provide information and an application interface.
• We may share your application with funding partners for review.
• We do not guarantee any particular product, rate, or term.

4. Applications & No Guarantee

Submitting an application does not constitute an offer of funding or a binding commitment by Ironclad Funding or any partner. All funding is subject to underwriting, approval, and the execution of separate agreements. Rates, amounts, and terms shown on the Site are illustrative and not guaranteed.

5. Fees

There is no fee to apply through the Site. Specific products may carry fees, interest, or factor rates, which will be disclosed in the applicable funding agreement before you accept any offer. Always review those terms carefully.

6. User Obligations

You agree to:

• Provide accurate, current, and complete information.
• Use the Site only for lawful purposes.
• Not attempt to disrupt, reverse-engineer, or gain unauthorized access to the Site.
• Not submit applications on behalf of a business without authorization.

7. Disclaimers

The Site and all content are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any information is accurate or complete. Nothing on the Site constitutes financial, legal, or tax advice.

8. Limitation of Liability

To the fullest extent permitted by law, Ironclad Funding and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of the Site or any funding product, even if advised of the possibility of such damages.

9. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in Cook County, Illinois.

10. Changes to These Terms

We may update these Terms from time to time. Changes are effective when posted to this page with a revised "last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Contact Us

Questions about these Terms? Reach us at fund@ironcladfunding.com, by phone at (800) 555-1200, or by mail at 400 Foundry Street, Suite 900, Chicago, IL 60607.