Terms and Conditions

1. Business Financing Connection Services and Platform Operations

BizBee Funding operates as a comprehensive business financing connection platform and information services provider that facilitates connections between business entities seeking various forms of commercial financing and a network of qualified funding providers, financial institutions, alternative lenders, and commercial finance companies (collectively, "Funding Partners" or "Partners"). Our platform provides sophisticated matching algorithms, financial analysis tools, and comprehensive application processing services designed to optimize funding opportunities for our clients.

While BizBee Funding maintains extensive relationships with numerous funding sources and provides comprehensive application processing and evaluation services, we operate as an independent intermediary platform facilitating connections within the commercial financing marketplace. Our role encompasses application processing, preliminary financial analysis, document preparation, Partner matching services, and ongoing client consultation throughout the financing evaluation process.

Important Disclosure: BizBee Funding does not directly originate loans, provide funding from our own capital, make final underwriting decisions, or maintain fiduciary obligations to any particular funding outcome. All final funding decisions, terms, conditions, and approval determinations remain solely within the discretion of our Funding Partners.

2. Eligibility Requirements and Client Representations

2.1 Minimum Eligibility Standards

To utilize our services, you must meet the following requirements:

• You must be at least eighteen (18) years of age and possess legal capacity to enter into binding contractual agreements;
• You must be a legal resident of the United States or its territories, or an authorized representative of a business entity organized under United States jurisdiction;
• Your business entity must be legally organized, registered, and operating in compliance with all applicable federal, state, and local regulations;
• You must possess requisite authority to submit financing requests and bind the business entity to potential funding agreements.

2.2 Material Representations and Warranties

By utilizing our services, you represent, warrant, and covenant that all information provided is true, accurate, complete, and current. You acknowledge that Funding Partners will rely upon these representations in making credit and funding determinations. False or misleading information may result in immediate termination of services and potential legal consequences.

3. Platform Operations and Service Delivery Methods

3.1 Application Processing Services

BizBee Funding provides the following application processing services:

• Comprehensive business and personal information collection through our secure digital platform;
• Advanced financial analysis and creditworthiness assessment;
• Document verification and authentication services;
• Preliminary qualification and Partner matching algorithms.

3.2 Partner Network Integration

Our platform facilitates the following integrations with our Funding Partner network:

• Secure transmission of qualified applications to appropriate Funding Partners;
• Ongoing communication facilitation between clients and Partners;
• Status monitoring and progress tracking throughout the evaluation process;
• Additional marketing and promotional communications regarding relevant financial products and services.

4. Comprehensive Authorizations and Consents

By utilizing our services, you hereby provide the following comprehensive authorizations:

4.1 Credit Report Authorization

You authorize BizBee Funding and all Funding Partners to obtain, review, and utilize personal and business credit reports from any consumer or commercial credit reporting agencies, including but not limited to Experian, Equifax, TransUnion, and Dun & Bradstreet, both initially and on an ongoing basis as deemed necessary for evaluation purposes.

4.2 Information Sharing Authorization

You authorize BizBee Funding to share, transmit, and disclose any and all provided information, documentation, and analysis results to appropriate Funding Partners, their affiliates, service providers, and associated third parties involved in the financing evaluation process.

4.3 Background Investigation Authorization

You authorize comprehensive background checks, business verification investigations, bank account analysis, and any additional due diligence procedures deemed necessary by BizBee Funding or Funding Partners in connection with your financing request.

4.4 Communication Authorization

You consent to receive communications via telephone (including automated calls and text messages), email, postal mail, and other electronic means from BizBee Funding and Funding Partners regarding your financing request and related financial products and services, including marketing communications.

5. Information Collection, Usage, and Retention Policies

BizBee Funding collects, processes, and maintains extensive business and personal information necessary for financing evaluation purposes. This information includes, but is not limited to: business financial statements, tax returns, bank statements, credit card processing statements, personal financial information, ownership documentation, business licenses, and any additional documentation requested during the evaluation process.

5.1 Permitted Information Usage

Information collected may be used for the following purposes:

• Financing evaluation and Partner matching services;
• Credit and risk assessment procedures;
• Regulatory compliance and reporting obligations;
• Marketing additional relevant services and products;
• Platform improvement, analytics, and service enhancement.

5.2 Information Retention Standards

Information will be retained in accordance with applicable regulatory requirements and may remain accessible to approved Partners. BizBee Funding maintains archived records for compliance purposes and reserves the right to retain information in marketing databases consistent with applicable law.

6. Funding Partner Network and Relationship Disclosures

BizBee Funding maintains strategic relationships with numerous funding providers, including but not limited to traditional banks, alternative lenders, equipment financing companies, merchant cash advance providers, invoice factoring companies, and specialized commercial finance institutions. These relationships may include various compensation arrangements, referral agreements, and strategic partnerships that benefit BizBee Funding.

7. Comprehensive Liability Limitations and Service Disclaimers

7.1 Service Disclaimers

The following disclaimers apply to all services provided:

• No guarantee of funding approval or specific terms;
• No warranty regarding Partner response times or service quality;
• No responsibility for Partner decisions, actions, or business practices;
• No liability for changes in credit scores or financial standing resulting from credit inquiries;
• Services provided on an "as-is" and "as-available" basis without warranties of any kind.

8. Governing Law and Jurisdictional Provisions

This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action, suit, or proceeding arising out of or relating to this Agreement or your use of our services must be brought exclusively in the state or federal courts located in Ventura County, California.

By accepting these Terms and Conditions, you:

• Consent to the personal jurisdiction of California courts;
• Waive any objection to venue in Ventura County, California;
• Acknowledge that California law applies regardless of your physical location;
• Recognize that federal law preemption applies where applicable.

9. Mandatory Binding Arbitration and Class Action Waiver

9.1 Arbitration Procedures

The following procedures shall govern any arbitration:

• Arbitration shall be conducted in Ventura County, California;
• A single arbitrator shall be selected in accordance with AAA procedures;
• Discovery shall be limited to expedite proceedings and reduce costs;
• The arbitrator's decision shall be final and binding on all parties;
• Limited grounds for appeal exist under applicable California law.

10. Additional Terms and General Provisions

10.1 Modification Rights

BizBee Funding reserves the right to modify, amend, or update these Terms and Conditions at any time without prior notice. All modifications become effective immediately upon posting to our website or platform. Your continued use of our services following any modification constitutes acceptance of the modified terms.

10.2 Severability

If any provision of this Agreement is deemed invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. Any invalid provision shall be reformed or construed to achieve its intended purpose to the maximum extent permitted by applicable law.

10.3 Assignment

BizBee Funding may freely assign, transfer, or delegate this Agreement and any rights or obligations hereunder without notice or consent. You may not assign your rights or obligations under this Agreement without our prior written consent, which may be withheld in our sole discretion.

10.4 Statute of Limitations

Any claim or cause of action arising under this Agreement must be commenced within one (1) year after the cause of action arises, regardless of when the injury is discovered. Any claim not brought within this period shall be permanently barred.

10.5 Entire Agreement

This Agreement, together with any privacy policy and other documents expressly incorporated by reference, constitutes the entire agreement between you and BizBee Funding concerning the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, and communications.

10.6 Waiver

No waiver of any provision of this Agreement shall be deemed or shall constitute a waiver of any other provision, nor shall any waiver constitute a continuing waiver. No failure to exercise any right or remedy shall operate as a waiver thereof.