Welcome to Joseph C Crudo PLC. By accessing our website or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By using our website, submitting a funding application, or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our services.
2. Services Overview
Joseph C Crudo PLC is a direct business lender providing working capital solutions, equipment financing, revenue-based financing, and business expansion funding to qualified businesses. All funding decisions are made at our sole discretion based on our underwriting criteria.
3. Eligibility Requirements
To apply for funding, you must:
- Be at least 18 years of age
- Be authorized to enter into binding agreements on behalf of your business
- Operate a legitimate business in good standing
- Provide accurate and complete information in all applications
- Meet our minimum revenue and operational requirements
4. Application Process
Submitting an application does not guarantee approval or funding. We reserve the right to request additional documentation, conduct credit checks, verify information, and decline any application for any reason. All funding is subject to our underwriting approval and execution of a formal funding agreement.
5. Funding Terms
Specific funding terms, including amounts, rates, fees, and repayment schedules, will be outlined in your individual funding agreement. By accepting funding, you agree to repay according to the terms specified in your agreement. Early repayment options may be available as outlined in your specific contract.
6. SMS Terms & Conditions
By opting in to receive SMS/text messages from Joseph C Crudo PLC, you agree to the following:
We may send you recurring marketing and promotional SMS/MMS messages using an automated telephone dialing system (ATDS), including offers, updates, and information about our financial products and services.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan. Contact your carrier for details.
Opt-Out Instructions: You may opt out at any time by replying STOP to any message. After opting out, you will receive one final confirmation message. To re-subscribe, reply START.
Help: For assistance, reply HELP or contact us at joseph@joseph-c-crudo.com.
Consent Not a Condition: Consent is NOT a condition of purchase or service. You may apply for and receive funding without opting in to SMS communications.
Carrier Compatibility: We support most major U.S. carriers. Message delivery depends on carrier availability, network conditions, and device compatibility. We are not responsible for delayed or undelivered messages due to carrier issues.
Privacy: Your mobile number and SMS consent information are subject to our Privacy Policy. We will not share your mobile opt-in data with third parties for their marketing purposes.
7. Representations and Warranties
By using our services, you represent and warrant that:
- All information provided is accurate, complete, and not misleading
- You have the legal authority to bind your business
- Your business is not engaged in illegal activities
- You will use funding for legitimate business purposes
8. Prohibited Uses
You may not use our website or services to:
- Submit false or fraudulent information
- Impersonate another person or entity
- Engage in any unlawful activity
- Interfere with website operations or security
- Attempt to access unauthorized areas of our systems
9. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Joseph C Crudo PLC and protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
10. Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind, express or implied. We do not guarantee uninterrupted access, error-free operation, or that the website is free from viruses or harmful components.
11. Limitation of Liability
To the fullest extent permitted by law, Joseph C Crudo PLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.
12. Indemnification
You agree to indemnify and hold harmless Joseph C Crudo PLC, its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including legal fees) arising from your use of our services or violation of these Terms.
13. Governing Law
These Terms & Conditions are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in San Diego County, California.
14. Arbitration Agreement
Any disputes arising from these Terms or our services shall be resolved through binding arbitration in San Diego, California, in accordance with the rules of the American Arbitration Association. You waive the right to participate in class action lawsuits.
15. Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the revised terms.
16. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any executed funding agreements, constitute the entire agreement between you and Joseph C Crudo PLC regarding your use of our services.
18. Contact Information
If you have questions about these Terms & Conditions, please contact us:
Joseph C Crudo PLC
3990 Old Town Avenue
San Diego, CA 92110
Email: joseph@joseph-c-crudo.com