These Terms of Service ("Terms") govern your access to and use of the VentureKap, LLC Trust ("VentureKap," "MyZeroLoans," "we," "us," or "our") website, services, and loan products. By accessing our website or applying for a loan, you agree to be bound by these Terms.
Please read these Terms carefully before using our services. If you do not agree to these Terms, you may not access or use our services.
By submitting a loan application, creating an account, or using our services, you acknowledge that:
Submitting a loan application does not guarantee approval or funding. We reserve the right to approve, deny, or request additional information for any application at our sole discretion. All applications are subject to our underwriting criteria and verification process.
Pre-qualification is not a guarantee of final loan approval. Final approval is contingent upon:
You warrant that all information provided in your application is accurate, complete, and not misleading. Providing false or fraudulent information may result in immediate denial of your application, termination of services, and potential legal action.
As a condition of receiving funding, you agree to:
Failure to comply with these requirements may result in loan denial, delayed funding, or immediate loan acceleration.
Upon approval, you will receive a loan agreement detailing the specific terms of your loan, including principal amount, repayment terms, fees, and interest rates. You must sign and return the loan agreement before funding is released.
After switching to a certified payment processor and completing 14 consecutive days of credit card transactions, funding will occur within 30-60 days. Funding timelines may vary based on processing volumes, verification requirements, and other factors.
Loan repayment may be collected through automatic deductions from your business credit card processing receipts, ACH transfers from your business bank account, or other agreed-upon methods. You authorize VentureKap to collect payments as outlined in your loan agreement.
You will be in default if you:
In the event of default, we may accelerate the entire loan balance, report to credit bureaus, pursue legal action, and charge collection costs including attorney fees.
In addition to interest charges, your loan may include:
All fees will be disclosed in your loan agreement. We reserve the right to modify our fee schedule with reasonable notice.
Business loans may require a personal guarantee from business owners. By signing a personal guarantee, you agree to be personally liable for the full amount of the loan if your business defaults. This means we may pursue your personal assets to satisfy the debt.
You agree not to:
All content on our website, including text, graphics, logos, images, and software, is the property of VentureKap or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.
IMPORTANT DISCLAIMER
Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee loan approval, specific loan terms, or funding timelines.
We disclaim all warranties, including but not limited to:
To the maximum extent permitted by law, VentureKap, its affiliates, officers, directors, employees, and agents shall not be liable for:
Our total liability for any claims shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.
You agree to indemnify, defend, and hold harmless VentureKap and its affiliates from any claims, losses, damages, liabilities, and expenses (including attorney fees) arising from your use of our services, violation of these Terms, or infringement of any rights of third parties.
Any dispute, controversy, or claim arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to a jury trial or to participate in a class action lawsuit.
Arbitration shall take place in [State], and the arbitrator's decision shall be final and binding. Each party shall bear its own costs and fees, unless otherwise awarded by the arbitrator.
These Terms shall be governed by and construed in accordance with the laws of [State], without regard to its conflict of law provisions. You consent to the exclusive jurisdiction of courts located in [State] for any disputes not subject to arbitration.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the modified Terms. Material changes will be communicated via email or prominent notice on our website.
We may terminate or suspend your access to our services at any time, with or without cause or notice. Reasons for termination may include:
Upon termination, your right to use our services will immediately cease, but your obligations under these Terms (including repayment obligations) will survive.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms, together with your loan agreement and our Privacy Policy, constitute the entire agreement between you and VentureKap regarding our services and supersede all prior agreements and understandings.
If you have questions about these Terms of Service, please contact us:
VentureKap, LLC Trust
Email: [email protected]
Phone: (555) 123-4567
Address: 123 Business Street, Suite 100, City, State 12345