Legal

Terms & Conditions

LedgerCore Financial Inc  |  Effective Date: January 1, 2025  |  Last Updated: January 1, 2025
Please Read These Terms Carefully These Terms and Conditions ("Terms") govern your use of the LedgerCore Financial Inc website located at ledgercorefinancial.com (the "Site") and any services provided by LedgerCore Financial Inc ("LedgerCore," "we," "our," or "us"). By accessing the Site or submitting an application, you agree to these Terms.

1. Acceptance of Terms

By accessing or using our Site, submitting a funding application, or communicating with us, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use our Site or services.

These Terms constitute a legally binding agreement between you and LedgerCore Financial Inc, a company registered in the State of Texas with offices at 3824 Cedar Springs Rd, Unit 380, Dallas, TX 75219.

2. Services Description

LedgerCore Financial Inc is a direct business lender that provides funding products to qualifying businesses, including but not limited to:

The information on this Site is for general informational purposes only and does not constitute a commitment to lend. All funding products are subject to credit approval, underwriting review, and execution of definitive agreements.

3. Eligibility

To apply for funding through LedgerCore Financial Inc, you must:

Submission of an application does not guarantee approval or the receipt of any funding.

4. Application and Information Accuracy

By submitting an application, you represent and warrant that all information provided is true, accurate, current, and complete. You agree to notify us promptly of any changes to the information you have provided. Providing false or misleading information in connection with a loan application may be a violation of federal and state laws and may result in denial of your application and referral to appropriate authorities.

5. Text Messaging (SMS/MMS) Terms

SMS Communication Terms

By providing your mobile telephone number and opting in to our SMS program, you consent to receive recurring marketing and promotional SMS/MMS messages from LedgerCore Financial Inc, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency: Message frequency varies; you may receive up to 4 messages per month.

Message and Data Rates: Message and data rates may apply. Standard carrier rates apply to all messages sent and received under this program.

Opt-Out: Reply STOP to opt out at any time. You will receive a one-time confirmation of your opt-out, and no further messages will be sent to your number unless you re-enroll.

Help: Reply HELP for assistance, or contact us at mark@ledgercorefinancial.com.

Consent is NOT a condition of purchase. Your decision to opt in to SMS messages has no bearing on your eligibility to apply for or receive any funding product offered by LedgerCore Financial Inc. You may receive our services regardless of whether you consent to SMS communications.

Privacy: Your SMS opt-in data and consent information will not be shared with any third parties for marketing purposes. See our Privacy Policy for full details.

Supported Carriers: Most major U.S. wireless carriers. Carrier availability and support may vary.

Program Participants: LedgerCore Financial Inc, 3824 Cedar Springs Rd, Unit 380, Dallas, TX 75219. Contact: mark@ledgercorefinancial.com.

6. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of LedgerCore Financial Inc or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

7. Disclaimers

The information provided on this Site is for general informational purposes only. LedgerCore Financial Inc makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, or services contained on the Site.

Not Financial Advice: Nothing on this Site constitutes financial, legal, tax, or investment advice. You should consult qualified professionals before making financial decisions.

Rates and Terms Subject to Change: Any rates, terms, or program descriptions referenced on this Site are subject to change without notice and do not constitute a binding offer.

8. Limitation of Liability

To the fullest extent permitted by applicable law, LedgerCore Financial Inc, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or any services provided by us, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising out of or related to these Terms or our services shall not exceed the amount you have paid to us in the six (6) months preceding the claim, or $100, whichever is greater.

9. Indemnification

You agree to indemnify, defend, and hold harmless LedgerCore Financial Inc and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your submission of any application, your violation of these Terms, or your violation of any applicable law or regulation.

10. Privacy

Your use of our Site and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy carefully.

11. Third-Party Links

Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Dallas County, Texas.

You agree to attempt to resolve any dispute informally by contacting us at mark@ledgercorefinancial.com before initiating any formal proceedings.

13. Equal Credit Opportunity

LedgerCore Financial Inc is committed to the principles of the Equal Credit Opportunity Act (ECOA). We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of any right under the Consumer Credit Protection Act.

14. Modifications to Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site following the posting of any changes constitutes acceptance of those changes. We encourage you to review these Terms periodically.

15. Entire Agreement

These Terms, together with our Privacy Policy and any definitive agreements executed in connection with a funding transaction, constitute the entire agreement between you and LedgerCore Financial Inc with respect to the subject matter herein and supersede all prior or contemporaneous understandings, agreements, representations, and warranties.

16. Contact Information

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