Terms of Service

1. The agreement

These Terms of Service (the "Terms") are a binding agreement between you, on behalf of yourself and any business you represent ("you", "your", "Customer"), and Commercial Capital Connect, 3379 Hwy 5, Douglasville, GA 30135 ("Commercial Capital Connect", "we", "us", "our"), covering your access to and use of FunderBuddy OS, the websites funderbuddyos.com and app.funderbuddyos.com, and everything we provide through them (the "Service").

By creating an account, paying for a subscription, or using the Service, you accept these Terms. If you do not accept them, do not use the Service. If you are accepting on behalf of a company, you represent that you have the authority to bind that company.

Our Privacy Policy is part of these Terms.

2. What FunderBuddy OS is and is not

What it is. A white label software platform for commercial finance brokers: a deal pipeline, merchant records, a document vault, a submission packet builder, a deterministic lender Match Engine, an AI Deal Analyzer, a commission tracker, message templates, a Compliance Command Center research tool, and branded lead capture websites.

3. Eligibility

• You must be at least 18 years old.
• The Service is offered for business use in the United States and Puerto Rico. It is not offered for personal, household, or consumer purposes.
• You must be legally able to enter this agreement and not barred from receiving the Service under applicable law.
• You are responsible for holding any license, registration, or authorization your activity requires. See section 10.

4. Your account

• Give us accurate information and keep it current.
• You are responsible for everything that happens under your account, including anything done by your team members, sub brokers, and anyone you invite.
• Keep your credentials secret. Tell us immediately at support@funderbuddyos.com if you suspect unauthorized access.
• Do not share a single seat among multiple people to avoid seat charges.
• Team members you invite are bound by these Terms, and you are responsible for their conduct.

5. Plans, pricing, and billing

• Plans and prices are the ones displayed on the pricing page and at checkout when you subscribe. Those displayed terms control.
• Subscriptions are billed monthly in advance and renew automatically until you cancel.
• Payments are processed by Stripe. By subscribing you authorize recurring charges to your payment method until you cancel.
• You are responsible for any applicable sales, use, or similar taxes.
• If a payment fails, we may retry it, and we may suspend or downgrade your account until it clears.
• Plan limits, such as active deals, seats, e-sign volume, and lender records, are stated on the pricing page. Exceeding a limit may require an upgrade.
• We may change prices. For existing subscribers, a price change takes effect at the next renewal after we give you at least 30 days notice, except where a rate is locked under section 6.

6. The Founding Broker offer

The Founding Broker offer is limited to the first 100 Enterprise subscriptions. When you take it:

• Your first month of Enterprise is $97. It is the first month of service, not a deposit and not a credit toward anything else.
• After that first month, billing continues at $497 per month instead of the standard Enterprise rate.
• The $497 rate is locked for as long as your subscription stays continuously active. If you cancel, lapse for nonpayment, or let the subscription end, the founding rate is gone and standard pricing applies to any new subscription.
• The offer ends when the 100 spots are taken.
• The founding rate applies to the Enterprise plan as sold. It does not lock the price of add ons, overages, or future products.

7. Cancellation and refunds

To cancel, use the billing controls in the application or email support@funderbuddyos.com from your account address. Nothing else counts as notice.

8. Your content

You own your content. Your merchant records, documents, bank statements, deal files, leads, branding, and everything else you put into the Service stays yours.

You grant us a limited, non exclusive license to host, store, copy, transmit, display, and process your content only to operate and support the Service for you, including transmitting the specific content required for an AI feature you invoke. That license ends when your content is deleted.

You represent and warrant that:

• You have the rights, consents, and authorizations needed to upload and process everything you upload, including your merchants' financial documents and personal information.
• Your use of the Service complies with your own privacy notices and with the laws of every jurisdiction where you operate.
• Your content does not infringe anyone's rights and is not unlawful.

You are responsible for keeping your own copies. We are not a system of record or a backup service.

9. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, or to arrange financing you are not licensed or registered to arrange.
• Send unsolicited messages using the template library or any other feature in violation of CAN SPAM, the TCPA, state telemarketing laws, or carrier rules. Message templates are a starting point. Consent and compliance are yours.
• Upload malware, attempt to breach security, access another customer's workspace, or probe the platform without written permission.
• Reverse engineer, decompile, scrape, or copy the Service, or use it to build a competing product.
• Resell, sublicense, or provide the Service to third parties except through the sub broker and team features as we provide them.
• Misrepresent what the Service is, including describing it to your merchants as a lender or funding source.
• Use the Service to store data you are prohibited from storing, or in a way that overloads or disrupts the platform.

We may investigate suspected violations and may suspend access while we do.

10. Compliance is yours

11. AI features and their limits

• The AI Deal Analyzer, the Stack Detector, and the FunderBuddy assistant produce drafts for a human to review. They can be incomplete or wrong.
• Do not treat AI output as underwriting, as a credit decision, as a funding commitment, or as legal or compliance advice.
• You are responsible for reviewing and confirming any AI output before you rely on it, send it to a lender, or repeat it to a merchant.
• The Match Engine is deterministic and rules based. A match is a ranking against criteria you and your lenders supply. It is not an approval, a term sheet, or a promise of funding.
• Detected merchant positions are an estimate from transaction patterns. Nothing reaches the Match Engine until you confirm it.
• Content submitted to AI features is transmitted to third party model providers as described in the Privacy Policy.

12. Your branded website

The Service lets you publish a lead capture website under your brand and, on some plans, your own domain. You are responsible for the content, claims, and disclosures on that site, for your own privacy policy and terms on it, and for how you handle the leads it captures. We may remove content that violates these Terms or applicable law.

13. Intellectual property

We own the Service: the software, the interface, the Match Engine logic, the templates, the compliance research, the documentation, and the FunderBuddy OS name, logos, and assistant avatars. Your subscription is a limited, revocable, non transferable right to use the Service while you are paid up and in good standing. Nothing here transfers ownership.

You own your brand, your logo, and your content. You grant us permission to display your logo inside your own workspace and on your branded sites so the white label features can work.

If you send us feedback or a feature idea, we may use it without obligation or payment to you.

14. Third party services

The Service depends on and integrates third party providers, including Stripe for payments and the vendors listed in the Privacy Policy. Their outages, changes, and terms are outside our control. We are not responsible for third party services, and your relationship with your own lenders, merchants, and vendors is yours alone.

15. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR FREE, OR SECURE, THAT ANY OUTPUT WILL BE ACCURATE OR COMPLETE, OR THAT ANY DEAL WILL BE MATCHED, SUBMITTED, APPROVED, OR FUNDED.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COMMISSIONS, LOST DEALS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNT YOU ACTUALLY PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Some states do not allow certain limitations, so parts of this section may not apply to you. Nothing here limits liability that cannot be limited by law.

17. Indemnification

You agree to defend, indemnify, and hold harmless Commercial Capital Connect and its officers, employees, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of: your use of the Service, your content, your dealings with merchants and lenders, your licensing or compliance failures, your marketing and messaging practices, or your breach of these Terms.

18. Term, suspension, termination

• These Terms apply as long as you use the Service.
• You may cancel at any time under section 7.
• We may suspend or terminate your account for nonpayment, for breach of these Terms, or where required by law. Where practical we will give notice and a chance to fix the problem first.
• After termination you have 30 days to export your content. After that it is scheduled for deletion and may not be recoverable.
• Sections that by their nature should survive do survive, including sections 8, 13, 15, 16, 17, 20, and 21.

19. Changes

We may modify the Service and these Terms. If a change to these Terms is material, we will notify account holders by email or in the application before it takes effect, and the effective date at the top will change. Continuing to use the Service after that means you accept the updated Terms. If you do not accept them, cancel under section 7.

20. Governing law and disputes

These Terms are governed by the laws of the State of Georgia, without regard to its conflict of laws rules. Any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Douglas County, Georgia, and both parties consent to personal jurisdiction and venue there.

Before filing anything, email support@funderbuddyos.com and give us 30 days to resolve it. Most problems are a misunderstanding and a phone call.

21. General terms

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between us about the Service and replace anything said earlier.
• Severability. If a provision is unenforceable, the rest stays in force.
• No waiver. Not enforcing a provision once does not waive it.
• Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for delays caused by events outside its reasonable control.
• Notices. We send notices to the email on your account. You send notices to support@funderbuddyos.com and to the address in section 22.
• Independent parties. Nothing here creates a partnership, joint venture, agency, or employment relationship.

22. Contact