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Terms & Conditions

Effective Date: August 18, 2025

1) Who we are

These Terms & Conditions (“Terms”) govern your access to and use of areyoufundable.org (the “Site”) and any related intake forms, assessments, or services provided by PARADIGM FINANCIAL SERVICES LLC d/b/a ARE YOU FUNDABLE (“Are You Fundable,” “we,” “us,” “our”).
We work with independent third parties—such as lenders, brokers, processing platforms, data and communications vendors, and servicing providers—as well as our affiliates (together, “Partners”) to help you evaluate and pursue funding and related services.

By using the Site, submitting a form, checking a consent box, or clicking I Agree, you accept these Terms.

2) What we do (and don’t do)

We are not a bank or lender. We help match you with potential funding programs and services (e.g., personal term loans, business loans, credit cards, SBA programs, credit readiness and consulting). Any funding is provided by third-party lenders, subject to their own underwriting and agreements. Pre-qualification is not a commitment to lend or a guarantee of approval, amount, or terms.
If you proceed with a program through certain Partners, you may be asked to sign a success-fee agreement (typically 4%–7% of amounts funded, payable only if funding occurs). Fees for optional consulting/readiness services will be disclosed before you pay.

3) Your responsibilities

You agree to (a) provide true, accurate, and complete information; (b) use the Site only for lawful purposes and your own application; and (c) promptly notify us if your contact details change. You represent you are 18 or older and legally able to enter into agreements.

4) Information sharing & credit authorization (FCRA “written instructions”)

General authorization. By submitting any form, checking a consent box, or clicking I Agree, you give written instructions under the Fair Credit Reporting Act (FCRA) authorizing Are You Fundable and its Partners acting on our behalf to obtain information from your consumer and/or business credit reports and other information from consumer reporting agencies (including Experian, TransUnion, and Equifax) and relevant data sources for pre-qualification, identity verification, fraud prevention, underwriting support, determining eligibility, and servicing requests you make.
You also authorize us to share your application and contact details with select Partners so they may evaluate eligibility and, where appropriate, contact you directly to service your request.

4A) Business / SBA programs — representations & owner authorization

If you apply for business credit (including SBA or other business programs), the business applicant and each identified owner/guarantor (each a “Signer,” and collectively “Signers”) represent and agree that:
(i) each Signer is authorized on behalf of the business and all listed owners to initiate this pre-qualification;
(ii) all information provided is true, correct, and complete and will be updated as needed; and
(iii) Are You Fundable and Partners acting on our behalf may contact third parties to conduct background checks and other investigative reports and may obtain personal and business credit bureau reports for pre-qualification, underwriting, and servicing of the application.
By signing or electronically accepting, each Signer provides written instructions under the FCRA authorizing Are You Fundable and Partners acting on our behalf to obtain information from the personal and business credit profiles of the Signer(s) and listed owners in connection with the business’s request for credit.

4B) Soft credit pull acknowledgment

A soft inquiry (or “soft pull”) does not affect your credit score. Soft inquiries are typically used for pre-qualification and may appear when you request your own disclosures, but they are not visible to other creditors for lending decisions. If you later proceed with an application that requires a hard inquiry, that will be disclosed and may affect your credit score.

5) SMS/text messages, phone calls, and email (including autodialed/prerecorded)

By providing your contact information, you agree that Are You Fundable and our Partners (and our/their service providers acting on our behalf) may contact you about your inquiry, application, or related services via: SMS/text messages, phone calls, voicemails, and emails. Calls or texts may be made/sent using an autodialer, artificial voice, or prerecorded message. Consent is not a condition of purchase or of obtaining services.
Message frequency varies. Message and data rates may apply. You can opt out of texts at any time by replying STOP; for help, reply HELP. To opt out of marketing calls, tell the caller or email [email protected] to be placed on our internal do-not-call list. Carriers are not liable for delayed or undelivered messages. You represent you are the subscriber or customary user of the number provided and will notify us if your number changes.

6) Electronic records & signatures (ESIGN)

By clicking I Agree, you consent to receive disclosures, agreements, notices, and other communications electronically and to use electronic signatures and records instead of paper.

Hardware/Software requirements. A compatible device with internet access, a current web browser, a valid email address, and the ability to view/save PDF files.
Paper copies. Request paper copies at no additional cost by emailing [email protected] (include your name, email, and the specific document).
Withdrawing consent. You may withdraw ESIGN consent by emailing [email protected]. Withdrawal may delay or prevent us/Partners from providing services.
Updating contact info. Keep your email, phone, and mailing address current and notify us of changes at [email protected].

Exact acknowledgment (accepted electronically):
“I Agree to the Terms above and acknowledge the Consent to Electronic Disclosures.”

7) Privacy

Your information will be handled per our [Privacy Policy] (linked on the Site). Partners handle your data under their own policies and agreements. We may share information with Partners to determine eligibility, process applications, and service your requests.

8) Third-party services & links

The Site may link to Partner or third-party sites (e.g., lenders, bureaus, schedulers, payment processors). We are not responsible for their content, policies, or actions. Your use of those services is governed by their terms.

9) No professional advice

Site content is for general informational purposes and is not financial, legal, tax, or accounting advice. Consult your own advisors regarding your specific situation.

10) Intellectual property & permitted use

The Site and its content (text, graphics, logos, workflows) are owned by us or our licensors. You may not copy, modify, distribute, reverse-engineer, or use the Site in a way that could harm, disable, or overload our systems. You receive a limited, revocable license to access and use the Site for your personal application.

11) Disclaimers; limits of liability

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. EXCEPT FOR AMOUNTS YOU PAID US FOR THE RELEVANT SERVICE IN THE 6 MONTHS BEFORE THE CLAIM, OR $100, WHICHEVER IS GREATER, OUR TOTAL LIABILITY IS LIMITED.
Carve-outs. Nothing in these Terms limits liability for gross negligence, willful misconduct, or fraud, or for injury to the person where such limitation is prohibited by law. Your statutory consumer rights (if any) are not waived.

12) Indemnification

You agree to indemnify, defend, and hold harmless us and our officers, employees, agents, and Partners from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of the Site or your breach of these Terms.

13) Changes to the Site or Terms

We may update the Site and these Terms from time to time. The “Effective Date” above shows the latest version. Continued use of the Site after changes means you accept the updated Terms.

14) Suspension/Termination

We may suspend or terminate your access at any time for any reason, including suspected misuse, fraud, or non-compliance with these Terms.

15) Governing law; arbitration; class-action waiver

These Terms are governed by the laws of North Carolina, without regard to conflicts-of-law rules.

Arbitration. You and we agree to resolve disputes exclusively through binding arbitration on an individual basis administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The seat/venue of arbitration is Forsyth County, North Carolina, and a single arbitrator will be appointed. Judgment on the award may be entered in any court of competent jurisdiction.
Small-claims carve-out. Either party may bring an individual action in small-claims court.
Injunctive relief. Either party may seek temporary or preliminary injunctive relief in court to protect confidential information or intellectual property.
Class waiver. You waive any right to participate in a class, consolidated, or representative proceeding.
Mass-filing administration. If 25 or more similar arbitration demands are filed by the same or coordinated counsel, the parties agree to staged, bellwether proceedings and reasonable batching of claims for administrative efficiency, with fees allocated by the arbitrator consistent with AAA rules.
Opt-out. You may opt out of arbitration within 30 days of first accepting these Terms by sending written notice to the address below.

If arbitration is not enforceable for a particular claim, you agree to the exclusive jurisdiction of the state and federal courts located in Forsyth County, North Carolina.

16) Contact us

PARADIGM FINANCIAL SERVICES LLC d/b/a ARE YOU FUNDABLE
Address: 301 N Main St, Floor 24, Winston-Salem, NC 27101
Email: [email protected]
Phone: +1 (800) 223-3658