Terms of Service

1. Acceptance of Terms

By accessing or using the website located at businessaccessusa.com (the "Site") or any services offered by BusinessAccessUSA ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

These Terms apply to all visitors, clients, and users of the Site.

2. Description of Services

BusinessAccessUSA provides business credit consulting and education services, including but not limited to:

• Business credit building guidance and strategy
• Business funding consultation and exploration
• Working capital and lines of credit advisory
• Merchant services referral and consultation
• Credit monitoring guidance

3. Eligibility

By using our Site and services, you represent that:

• You are at least 18 years of age
• You have the legal authority to enter into these Terms on behalf of yourself or your business entity
• All information you provide to us is accurate, current, and complete
• Your use of our services complies with applicable federal, state, and local laws

4. No Guarantee of Results

BusinessAccessUSA provides consulting and educational information only. We make no guarantees, representations, or warranties — express or implied — regarding:

• Approval for any credit product, loan, line of credit, or funding
• Specific improvements to your business credit score or profile
• Outcomes from following any guidance or strategy we provide

Results will vary based on individual business circumstances, lender requirements, credit bureau practices, and other factors outside our control.

5. Fees and Payment

Fees for our consulting services will be disclosed to you prior to engagement. By agreeing to a service package, you authorize payment according to the terms presented at the time of enrollment. All fees are subject to the specific service agreement entered into between you and BusinessAccessUSA.

We reserve the right to modify our service fees at any time. Any changes will not affect services already agreed to and paid for.

6. User Responsibilities

When using our Site and services, you agree to:

• Provide accurate and truthful information
• Use the Site and services only for lawful purposes
• Not attempt to gain unauthorized access to our systems or data
• Not use the Site to transmit harmful, fraudulent, or misleading content
• Not reproduce, duplicate, or resell any portion of our services without written permission

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, and educational materials — is the property of BusinessAccessUSA and is protected by applicable copyright and intellectual property laws. You may not copy, reproduce, republish, distribute, or create derivative works from our content without prior written consent.

8. Third-Party Links and Services

Our Site may contain links to third-party websites or refer you to third-party service providers (such as lenders, banks, or payment processors). We do not endorse, control, or accept responsibility for any third-party content, products, or services. Your use of any third-party service is at your own risk and subject to that party's terms and policies.

9. Limitation of Liability

To the fullest extent permitted by law, BusinessAccessUSA, its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our Site or services
• Reliance on any information provided through our Site or consultations
• Unauthorized access to or alteration of your data
• Any decision made based on our educational content or guidance

Our total liability to you for any claim arising from these Terms shall not exceed the amount you paid to us in the 30 days preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless BusinessAccessUSA and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of our Site or services, your violation of these Terms, or your violation of any applicable law.

11. FCRA and CROA Compliance

BusinessAccessUSA operates in compliance with the Fair Credit Reporting Act (FCRA) and applicable federal regulations. We are not a credit repair organization as defined under the Credit Repair Organizations Act (CROA) and do not offer services regulated under that Act. All services are educational and advisory in nature.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Florida.

13. Modifications to Terms

We reserve the right to update or modify these Terms at any time. Changes will take effect immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Termination

We reserve the right to suspend or terminate your access to our Site or services at any time, with or without cause or notice, if we determine you have violated these Terms or engaged in conduct harmful to other users, third parties, or our business.