Terms and Conditions of Use

1. Acceptance of Terms

By accessing and using the North Bridge Funding website (northbridgefunding.org) and its services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all the Terms, do not use this website or our services.

2. Description of Services

North Bridge Funding operates as a **commercial financial broker and loan matching service**. We are **not a direct lender** or a funding company. We collect business and personal information from you, the client, and transmit this information to a network of third-party lenders and financial partners ("Lending Partners") to generate pre-qualified financing offers.

• The final loan terms, rates, and approval decisions are made solely by the Lending Partners.
• North Bridge Funding is not responsible for the accuracy or availability of any offers presented by Lending Partners.

3. Authorization for Credit Check and Data Sharing

By submitting any application or inquiry through our website, you expressly authorize North Bridge Funding and our Lending Partners to:

• Obtain consumer and business credit reports, including a **soft credit pull** on the personal guarantor(s), which will not negatively impact the credit score.
• Share all submitted information (including financial data, business details, and credit report data) with our network of Lending Partners to process your application and present financing options.
• Contact you via phone, email, or text message using the contact details provided, even if your number is on a Do Not Call list.

This authorization is continuous and applies to all current and future loan inquiries submitted through our platform.

4. User Obligations and Representations

You represent and warrant that:

• All information you provide to North Bridge Funding is true, accurate, and complete.
• You are an authorized representative of the business seeking financing and have the authority to submit the application and grant the authorizations contained herein.
• The business is seeking financing for commercial or business purposes, and not for personal, family, or household use.

5. Intellectual Property

The content, design, logo, and structure of the North Bridge Funding website are the exclusive property of North Bridge Funding and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Disclaimer of Warranties and Limitation of Liability

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

• North Bridge Funding makes **no warranty** that the service will be uninterrupted, timely, secure, or error-free.
• North Bridge Funding **does not guarantee** that you will receive a loan offer or that any offer will meet your financial needs.
• In no event shall North Bridge Funding be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the service or the terms of any loan agreement you enter into with a Lending Partner.

7. Indemnification

You agree to indemnify, defend, and hold harmless North Bridge Funding, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or in any way connected with your access to or use of the Service, or your breach of these Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of **[Insert Your State/Province of Operation]**, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in **[Insert Your City/County and State/Province]**.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of changes by posting the revised Terms on this page with a new "Effective Date." Your continued use of the Service after any modification constitutes acceptance of the new Terms.

10. Contact Information

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

• **Email:** info@northbridgefunding.org
• **Phone:** [Your business phone number]