These terms govern your use of the Liberty Choice Group website and our funding marketplace services. Please read them carefully — they include important limitations on liability and a dispute resolution provision.
These Terms of Service ("Terms") form a binding agreement between you and Liberty Choice Group ("Liberty Choice Group," "we," "us," or "our") governing your access to and use of our website, funding application, and related services (collectively, the "Services").
By accessing the Services, submitting an application, or communicating with us, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
If you are using the Services on behalf of a business entity, you represent that you are authorized to bind that entity, and "you" refers to both you and that entity.
We are not a bank, lender, funding provider, or financial advisor. We do not make credit decisions, originate funding, set rates or terms, or fund transactions. We introduce businesses to independent third-party funding partners who make all underwriting and funding decisions in their sole discretion.
Any funding you receive is provided under a separate agreement directly between you and the applicable funding partner. Liberty Choice Group is not a party to that agreement and has no authority to modify, waive, or enforce its terms. All rates, fees, amounts, repayment structures, and conditions are established solely by the funding partner.
We may receive compensation from funding partners when a transaction is completed. This compensation may vary by partner and product, which means the options presented to you may be influenced by our commercial arrangements. You are never obligated to accept any offer.
To use the Services you must be at least 18 years old, be located in the United States, and be an owner, officer, or authorized representative of a business seeking commercial financing. Our Services are intended for business and commercial purposes only, not for personal, family, or household purposes.
You agree that any funding obtained through the Services will be used exclusively for lawful business purposes.
You agree to provide information that is true, accurate, current, and complete, and to promptly update it as needed. This includes contact details, business information, bank statements, and any supporting documentation.
Nothing on our website or in our communications constitutes an offer or commitment to lend or provide financing. Funding amounts, ranges, timeframes, rates, and approval speeds referenced in our marketing are illustrative examples of past outcomes and are not guarantees of the terms you will receive.
Approval is not guaranteed, and not all applicants will qualify. Actual funding timelines depend on the completeness of your application, verification, and the funding partner's processes.
Testimonials and client stories reflect individual experiences at a particular time and do not guarantee similar results.
By providing your phone number and email address, you consent to receive communications from Liberty Choice Group and our funding partners regarding your inquiry, including calls, text messages, and emails.
Full details are described in our Privacy Policy. Calls may be monitored or recorded for quality and compliance purposes.
You agree not to:
We may suspend or terminate your access to the Services at any time, with or without notice, for conduct we reasonably believe violates these Terms or applicable law.
The Services and all content on them — including text, graphics, logos, the Liberty Choice Group name and mark, page design, and software — are owned by Liberty Choice Group or its licensors and are protected by intellectual property laws.
We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for their intended purpose. You may not copy, modify, distribute, publicly display, or create derivative works from our content without prior written consent.
The Services may contain links to third-party websites and services, including funding partners. We provide these links for convenience and do not endorse, control, or assume responsibility for their content, products, privacy practices, or terms. Your dealings with any third party are solely between you and that third party.
Nothing on the Services constitutes legal, tax, accounting, or financial advice. You should consult your own qualified professionals before entering into any financing arrangement.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of the above may not apply to you. In such cases, our liability is limited to the greatest extent permitted by applicable law.
You agree to indemnify, defend, and hold harmless Liberty Choice Group and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or related to your use of the Services, your violation of these Terms, your violation of any law or third-party right, or the accuracy of information you submit.
It requires most disputes with Liberty Choice Group to be resolved through binding individual arbitration rather than in court, and waives your right to participate in a class action.
Except as noted below, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by a recognized arbitration provider under its commercial rules. The arbitration shall take place in Wilmington, Delaware, or another mutually agreed location, and judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver. You and Liberty Choice Group agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.
Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property rights or address unauthorized access to the Services.
This arbitration agreement does not apply to any disputes between you and a funding partner, which are governed by your agreement with that partner.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Subject to the arbitration provision above, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware for any matter not subject to arbitration.
Questions about these Terms? Get in touch and we'll be glad to help.