Terms & Conditions

1. Acceptance of Terms

By visiting our website, completing an application, or using any Capital Fusions service, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, please do not use our services.

2. Eligibility

To apply for a loan through Capital Fusions, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Hold a valid government-issued photo identification
• Have an active checking account in your name
• Provide accurate and complete information in your application

Submitting false or misleading information may result in denial of your application and possible legal action.

3. Loan Application Process

Submitting an application does not guarantee approval or funding. All applications are subject to verification, credit review, and applicable state and federal regulations. Loan amounts, interest rates, fees, and repayment terms will be disclosed to you before you accept any offer.

You authorize Capital Fusions and its lending partners to verify the information you provide, including employment, income, identity, and banking details.

4. Fees & Repayment

All applicable fees, annual percentage rates (APR), and repayment schedules will be clearly presented in your loan agreement before acceptance. You are responsible for repaying your loan according to the agreed-upon terms. Late or missed payments may result in additional fees and negative credit reporting.

5. Electronic Communications

By providing your email address and phone number, you consent to receive communications from Capital Fusions electronically, including application updates, account notices, and promotional messages. You may opt out of marketing communications at any time without affecting service-related messages.

6. Intellectual Property

All content on the Capital Fusions website — including text, graphics, logos, and software — is the property of Capital Fusions or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Prohibited Uses

You agree not to use our website or services to:

• Submit fraudulent or unauthorized applications
• Violate any applicable local, state, or federal law
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Harvest or collect personal data of other users

8. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. Capital Fusions makes no warranties, express or implied, regarding the uninterrupted availability, accuracy, or reliability of our services. We do not guarantee loan approval or specific funding timelines.

9. Limitation of Liability

To the fullest extent permitted by law, Capital Fusions shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services. Our total liability shall not exceed the amount of fees you have paid to us in the twelve months preceding the claim.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved in the courts located within that jurisdiction.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised date. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

12. Contact Us

For questions regarding these Terms and Conditions, please contact:

• Capital Fusions
• Email: legal@capitalfusions.com
• Phone: (800) 555-0199