Terms & Conditions

1. Acceptance of Terms

Welcome to ATFFGFL CORP. By accessing our website at atffgflcorp.com or using our services, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our website or services.

We reserve the right to modify these Terms at any time. Your continued use of the website or services after changes are posted constitutes acceptance of the revised Terms.

2. Services Overview

ATFFGFL CORP is a direct business lender providing various financing solutions, including but not limited to:

• Business term loans
• Revenue-based financing
• Commercial real estate financing
• Invoice factoring
• Equipment financing
• Business lines of credit

All financing products are subject to application, underwriting, and approval. Terms, rates, and availability may vary based on creditworthiness, business profile, and other factors.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have legal authority to bind your business to these Terms
• Operate a legitimate business entity
• Provide accurate and complete information
• Comply with all applicable laws and regulations

We reserve the right to verify your eligibility and refuse service at our discretion.

4. Application Process

When you submit a funding application:

• You authorize us to verify information provided
• You consent to credit checks and financial background investigations
• You acknowledge that submission does not guarantee approval
• You agree to provide additional documentation if requested
• You understand that false information may result in application denial or legal action

We aim to provide application decisions within 24 hours, though timing may vary based on complexity and verification requirements.

5. Loan Terms and Agreements

If your application is approved:

• You will receive a detailed term sheet outlining all conditions
• Funding is contingent on your acceptance of terms and completion of required documentation
• Interest rates, fees, and repayment schedules will be clearly disclosed before closing
• You are responsible for understanding all terms before signing
• Separate loan agreements will govern specific funding transactions

These Terms & Conditions govern your use of our website and services; individual loan agreements govern specific financing transactions.

6. SMS Text Message Terms

Consent to Receive SMS Messages

By providing your mobile phone number and opting in to SMS communications, you expressly consent to receive text messages from ATFFGFL CORP at the phone number provided. Messages may be sent using an automatic telephone dialing system and may include:

• Application status updates and notifications
• Funding alerts and payment reminders
• Service announcements and important account information
• Marketing communications (if you opt-in)

Message Frequency and Data Rates

Message frequency varies. You may receive up to 10 messages per month depending on your application status and account activity, though frequency can vary. Message and data rates may apply as determined by your mobile carrier. ATFFGFL CORP is not responsible for any fees charged by your carrier.

Opt-Out Instructions

You may opt-out of SMS communications at any time by:

• Replying STOP to any text message from ATFFGFL CORP
• Emailing us at shanhav@atffgflcorp.com with your opt-out request

After opting out, you will receive one final confirmation message. For help or assistance, reply HELP to any message or contact shanhav@atffgflcorp.com.

Carrier and Service Limitations

SMS services may not be available on all mobile carriers or in all geographic locations. We do not guarantee message delivery and are not liable for delayed, undelivered, or misdirected messages. You are responsible for notifying us of any changes to your mobile phone number.

SMS Privacy

Your mobile phone number will be used solely for communications related to ATFFGFL CORP services and as described in our Privacy Policy. We do not sell, rent, or share your mobile number with third parties for their marketing purposes.

7. User Conduct

You agree not to:

• Provide false, misleading, or fraudulent information
• Impersonate any person or entity
• Attempt to gain unauthorized access to our systems
• Use our services for illegal purposes
• Interfere with or disrupt our website or services
• Scrape, harvest, or collect data from our website without permission

Violations may result in immediate termination of services and potential legal action.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of ATFFGFL CORP and protected by copyright, trademark, and other intellectual property laws. You may not:

• Reproduce, distribute, or display our content without written permission
• Use our trademarks or branding without authorization
• Create derivative works based on our content
• Remove or alter copyright notices

9. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Guarantees of uninterrupted or error-free service
• Accuracy, reliability, or completeness of information
• Security of data transmission

We do not warrant that our website will meet your requirements or that defects will be corrected.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ATFFGFL CORP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or data
• Business interruption
• Loss of goodwill or reputation
• Cost of substitute services

Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount of fees paid to us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless ATFFGFL CORP, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms
• Your use of our services
• Your violation of any rights of another party
• Any false, misleading, or fraudulent information you provide

12. Privacy and Data Protection

Your use of our services is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at atffgflcorp.com/privacy.html to understand how we collect, use, and protect your information.

13. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or terms of use. Accessing third-party websites is at your own risk.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through:

1. Informal Negotiation: You agree to contact us first to attempt to resolve disputes informally
2. Binding Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in Miami, Florida, in accordance with the rules of the American Arbitration Association
3. Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in class actions

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and any separate loan agreements, constitute the entire agreement between you and ATFFGFL CORP regarding the use of our website and services, superseding all prior agreements and understandings.

17. Contact Information

If you have questions about these Terms & Conditions, please contact us: