Terms of Use
Effective Date: September 2026
Website: www.equitybusinesscredit.com
Operated by: Equity Business Credit
1. Acceptance of Terms
By accessing or using www.equitybusinesscredit.com (the "Website"), you agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of the Website and any associated services provided by Equity Business Credit ("the Company," "we," "us," or "our").
2. Commercial / Business-to-Business Scope Only
The Website and our consulting services are intended strictly for commercial enterprises, business owners, and authorized corporate representatives acting on behalf of legal entities (such as LLCs, Corporations, and Partnerships). We do not provide consumer credit repair, personal debt counseling, or consumer credit services governed by the Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.). All evaluations and consulting strategies focus strictly on commercial credit profiles tied to an Employer Identification Number (EIN).
3. Non-Lender Disclosure & Nature of Services
Consulting & Advisory Only: Equity Business Credit is an independent business consulting and capital advisory firm. We are not a bank, depository institution, direct lender, credit card issuer, or underwriter.
Third-Party Credit Decisions: Any loans, lines of credit, business credit cards, or financial facilities referenced on this Website are extended solely by third-party financial institutions and commercial lenders. We do not make credit determinations, set interest rates, or guarantee that any applicant will receive funding. Approval is subject entirely to the independent underwriting guidelines of the lending institutions.
4. No Guarantee of Approvals, Limits, or Timelines
Past performance, case studies, client testimonials, and marketing examples (such as funding ranges or credit line amounts) are illustrative of specific business scenarios. They do not represent a promise or guarantee that your company will receive identical or similar results. Approval amounts, credit card limits, and loan terms depend on external factors outside our control, including but not limited to your business's revenue, time in business, commercial payment history, industry risk classifications, and lender liquidity.
5. Intellectual Property
All content, branding, logos, text, graphics, design elements, and software on this Website are the proprietary property of Equity Business Credit or its licensors and are protected under United States and international copyright, trademark, and intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any part of this Website without prior written authorization from Equity Business Credit.
6. User Conduct and Information Accuracy
When submitting information through our web forms or scheduling consultations, you agree to:
Provide truthful, accurate, and current information regarding yourself and your business entity.
Avoid impersonating any person or misrepresenting your authorization to act on behalf of a company.
Refrain from using automated bots, scrapers, or malicious code designed to disrupt Website functionality or compromise user data.
7. Third-Party Websites and Links
The Website may include links to third-party tools, vendor platforms, credit bureaus, or financial partners. We do not control or endorse the content, policies, or practices of external websites and assume no liability for any loss or damage arising from your interaction with third-party providers.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Equity Business Credit, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
Your access to, use of, or inability to use this Website.
Any financial, lending, or business decisions made based on information presented on this Website.
Any denial, modification, or termination of credit or loans by third-party lenders.
9. Indemnification
You agree to defend, indemnify, and hold harmless Equity Business Credit and its representatives from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of the Website, or your submission of inaccurate commercial information.
10. Governing Law and Jurisdiction
These Terms and any disputes arising out of or related to your use of the Website shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law principles.
11. Contact Information
For questions regarding these Terms of Use, contact:
Equity Business Credit
Attn: Legal & Compliance
Phone: (617) 340-7933