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Terms & Conditions

General

The EIN CAP, INC Website is operated by EIN CAP, INC. Our goal is to provide short-term working capital to small businesses. EIN Cap, Inc is not a bank. EIN CAP, INC is an alternative working capital provider. In connection with the provision of the EIN CAP, INC, merchants are required to submit financial and other information regarding their business. EIN CAP, INC uses this information as part of the criteria in its purchase decisions and to monitor the performance of EIN CAP, INC customers on an on-going basis. Merchants may provide such information including, but not limited to, copies of their business checking account statements electronically, in paper form, or by enabling view-only access to their online banking account.

Accepting these terms and conditions

By your acceptance, you agree to be bound by these terms and conditions. You acknowledge that by accepting these terms and conditions, you are authorizing EIN CAP, INC to access information about you and your company to determine eligibility for a business loan. You must read these terms and conditions in their entirety and indicate your acceptance. You may not use this service and you may not accept these terms and conditions if you are under 18 years of age or if you are not a citizen of the United States. If you accept these terms and conditions, you acknowledge that you have the capacity to be bound by them or if you are acting on behalf of a client that you have the authority to bind such entity. You assume all responsibility for your use of the Service and hereby waive all claims or causes of action against EIN CAP Partners, INC, its affiliates and their respective officers, directors, employees, agents and representatives in connection therein. You should print or save a local copy of these terms and conditions for your records. You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information, nor omit any information necessary for EIN CAP, INC to evaluate you and your accounts. You agree to keep your account information up to date and accurate and provide EIN CAP, INC with any changes to your information.

Privacy and personal information

To ensure that your personal information is protected, EIN CAP, Inc uses modern encyption for data protection. For more information about EIN Cap, Inc data protection practices, please read our Privacy and Security Policy, which is incorporated into these terms and conditions. This policy explains how EIN CAP, INC secures your personal information and protects your privacy when you access EIN CAP, INC website and use our Service. EIN CAP, INC privacy and security policy is located by clicking this link: Privacy Policy.

Information sharing

EIN CAP, INC may refer lead and other information to partners. More information on our referral processes can be found in our privacy and security policy. EIN CAP, INC privacy and security policy is located by clicking this link: Privacy Policy.

Account information from third party sites

You authorize EIN CAP, INC to retrieve your own or your company's information maintained online by third-party financial institutions with which you have relationships, maintain accounts or engage in financial transactions. EIN CAP, INC may work with one or more online financial service providers under contract to access this account information and review bank statements.

By accepting these terms and conditions, you authorize EIN CAP, Inc to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant EIN CAP, INC a limited power of attorney, and you hereby appoint EIN CAP, INC as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described herein, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN EIN CAP, INC ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, EIN CAP, INC IS ACTING AS YOUR AGENT, AND NOT THE AGENT OF, OR ON BEHALF OF, THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Service is not endorsed or sponsored by any third party account providers accessible through the service.

Disclaimer of warranties

You expressly understand and agree that:

Your use of the service and all information, products and other content (including that of third parties) included in or accessible from the service is at your sole risk. The service is provided on an "as is" and "as available" basis. EIN CAP, inc expressly disclaims all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement.

EIN CAP, INC makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, or (v) any errors in the technology will be corrected.

Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from EIN CAP, INC through or from the service will create any warranty not expressly stated in these terms.

As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at any time by logging into their control panel and going to the 'Edit Profile' page.

Limitation of liability

You agree that neither EIN CAP, INC nor any of its affiliates, account providers or any of their affiliates will be liable for any harms, which lawyers and courts often call direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if EIN cap, inc has been advised of the possibility of such damages, resulting from: (i) the use or the inability to use the service; (ii) the cost of getting substitute goods and services, (iii) any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the service; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of anyone on the service; (vi) the use, inability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously of the possibility of such damages; or (vii) any other matter relating to the service.

Indemnification

You agree to protect and fully compensate EIN CAP, INC and its affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these terms and conditions or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

Assignment

These Terms and Conditions, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by EIN CAP Partners, Inc without restriction or limitations.

Proprietary rights

You are permitted to use content delivered to you through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service.

Content you provide

You are licensing EIN CAP, INC and its service providers, any information, data, passwords, materials or other content (collectively, "Content") you provide through or to the Service. EIN CAP, INC may use, modify, display, distribute and create new material using such Content to provide the Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, EIN CAP Partners, Inc may use the Content for the purposes set out above. EIN CAP Partners, Inc owns your confidential account information.

Rights granted to EIN CAP, inc

EIN CAP, INC may use your account information to use, display, distribute, and create new material using such account information. By submitting account information, you represent that you are the owner of the account information and are entitled to submit it to EIN CAP, INC for use for this purpose.

You hereby authorize EIN CAP, INC to contact any credit reporting or database service, Merchant's current, prior or third party card processors, and Merchant's current and prior banks so that EIN CAP, INC may obtain whatever information EIN CAP, INC determines is necessary to review merchant's application or to monitor and maintain merchant's account. Such information may include, without limitation, merchant's credit history, credit card, debit card and other payment card and instrument processing history (including, without limitation, merchant's chargeback history), as well as any other information EIN CAP, INC deems pertinent.

You hereby authorize your credit card, debit card and/or payment card processor or its designated POS processor to forward on a daily basis to any third party designated by EIN CAP, INC all electronic payment transaction records that your acquiring institution or your designated POS processor captures on your behalf (including, but not limited to, activity on Visa, MasterCard, American Express, Discover, Diners Club, JCB, or ATM Debit Cards and check truncation records).

Credit profile authorization

You certify that (1) you are authorized on behalf of the company whose name you have entered to sign up for EIN CAP, INC services, (2) all information you provide is true and complete and (3) you have not omitted to disclose any information which you would reasonably believe to be material to EIN CAP, INC decision making process and that you will notify us of material changes to such information. You understand and agree that we and our agents and assignees are authorized to contact third parties to make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose. You also understand and agree that EIN CAP, INC is making no commitment or guarantee that any product, evaluation, or guidance provided by EIN CAP, INC will result in an approval for a business loan from EIN CAP, INC or any third party.

Merchant authorizes EIN CAP, INC to obtain a credit report or background report. Any such report(s) that EIN CAP, INC obtains may include, without limitation, the business's or individuals' credit history or similar characteristics, employment and education verifications, social security verification, criminal and civil history, Department of Motor Vehicle records, any other public records, and any other information bearing on credit standing, credit capacity or character. Such reports will be used by EIN Cap, Inc to determine eligibility for a business loan. Merchant shall also provide and/or execute such further and additional documents, instruments, and writings as EIN CAP, INC may require in order to access and review any tax information (including tax returns) related to Merchant's business (including, without limitation, by executing a 4506T form with the Internal Revenue Service).

Electronic terms and conditions

By choosing to access EIN CAP, INC services via internet, you hereby consent to receive by electronic means these terms and conditions and any and all disclosures and/or notices required to be given by applicable law or regulation. You also consent to allow EIN CAP, INC to respond to any inquiries by e-mail regardless of the format of the original inquiry.

You have the option to receive any information that we have provided electronically in paper form at no cost to you. To request a paper copy of any information we have provided electronically, please contact us by calling 1.877.651.8110, or write to us at:

EIN CAP, INC

175 Varick St, New York, NY 10014

Trusted by Over 10,000 Businesses

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