Terms and Conditions

Welcome to First Union Lending. These Terms and Conditions govern your use of our website, services, and communications, including newsletters, text message notifications, and promotional offers. By accessing or using our services, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully before using our services.

Personal Data Collection and Usage

While using our services, we may ask you to provide certain personally identifiable information, which may include but is not limited to:

• Email Address
• Phone Number
• Full Name
• Mailing Address
• Business Information (e.g., Company Name, Tax ID, Business History)

We use your Personal Data to provide and improve our services, contact you with newsletters, marketing or promotional materials, and other relevant information. You may opt out of receiving any or all communications from us by following the “unsubscribe” link provided in our emails or following the instructions in text messages.

Applicant Representations and Authorizations

The Applicant and its owner(s) or principal(s) (individually, an “Applicant”) each represents, acknowledges, and agrees as follows:

1. Accuracy of Information: All information and documents provided to First Union Lending (“FUL”) are true, accurate, and complete.
2. Material Changes: The Applicant will immediately notify FUL of any material change in such information or financial condition.
3. Authorization for Disclosure: Applicant authorizes FUL to disclose all information and documents that FUL may obtain, including credit reports and applications, to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans or purchases of future receivables (collectively “Transactions”). Each Assignee is authorized to use such information and documents (and share such information and documents with other Assignees) in connection with potential Transactions.
4. Reliance on Information: Each Assignee will rely upon the accuracy and completeness of such information and documents.
5. Credit File Access: FUL is hereby given “written instructions” to obtain information from Applicant's personal credit file or other information from Experian or other consumer reporting agencies solely for pre-qualifying the Merchant for business funding.
6. Investigative Reports: FUL, Assignees, partners, and each of their representatives, successors, and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary.
7. Waiver of Claims: Applicant waives and releases any claims against FUL ,Recipients and any information-providers arising from any act or omission relating to the requesting, receiving, or release of information.
8. Communication Consent: Applicant authorizes FUL, its agents, partners, and Assignees to use the telephone, fax, cellular phones, text messages (SMS), and emails as acceptable communication methods.

Newsletter Terms and Conditions

By subscribing to our newsletter, you agree to receive periodic communications about our services, promotions, updates, and relevant business information. You understand that:

• Newsletters may include promotional content and information on services provided by First Union Lending.
• You can unsubscribe at any time by clicking on the “unsubscribe” link included at the bottom of each email or by contacting us directly.

Text Message Terms and Conditions

By providing your mobile phone number, you agree to receive text messages related to promotions, offers, reminders, and updates from First Union Lending. These terms apply to all SMS communications, including promotional offers, reminders, and notifications.

1. Consent and Message Frequency:

   • By subscribing, you consent to receive recurring text message alerts from First Union Lending.
   • You may receive text messages using automated technology, including automated dialing systems or pre-recorded messages.
   • The frequency of messages may vary depending on your engagement with our services and promotions.

2. Message and Data Rates:

   Message and data rates may apply depending on your mobile carrier and plan. Please check with your mobile provider for specific details on your plan’s messaging fees.

3. Opting Out:

   • ou may opt out of receiving text messages at any time by replying “STOP” or “UNSUBSCRIBE” to any of our messages. After sending the opt-out keyword, you will receive a confirmation message indicating that you have been unsubscribed from our text message service.
   • For further support, reply “HELP” to any of our text messages or contact us directly.

Security and Privacy

First Union Lending takes the protection of your Personal Data seriously. We implement industry-standard practices to safeguard your information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Please refer to our Privacy Policy for a detailed description of how we collect, use, and protect your data.

Termination of Services

First Union Lending reserves the right to terminate or restrict access to our services, newsletters, or SMS communications at any time without notice for any user who violates these Terms and Conditions, engages in fraudulent behavior, or uses our services for unlawful purposes.

Disclaimer of Warranties

First Union Lending provides its services on an “as is” and “as available” basis without any warranties, express or implied. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We make no guarantee that:

• Our services will meet your specific needs or expectations.
• Our services will be uninterrupted, secure, or error-free.
• The information you receive via our services will be accurate, complete, or timely.

Limitation of Liability

Under no circumstances will First Union Lending, its affiliates, partners, or employees be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from your use of our services or reliance on any information provided via our communications, regardless of whether we have been informed of the possibility of such damages.

Modifications to Terms and Conditions

First Union Lending reserves the right to update or modify these Terms and Conditions at any time without prior notice. We encourage you to review this page regularly for any updates. Continued use of our services after any changes have been made indicates your acceptance of those changes.

Contact Us

If you have any questions or concerns regarding these Terms and Conditions, or if you need further assistance, please contact us at:

• Phone: 863-825-5626
• Email: info@firstunionlending.com
• Mailing Address: 4900 Millenia Blvd, Orlando FL 32839

By using First Union Lending services, you agree to comply with these Terms and Conditions.