Terms & Conditions

TERMS AND CONDITIONS

By entering this application, I represent that I am applying for this Loan or credit financing transaction, which will be used solely for business and/or commercial purposes, and I agree that this transaction shall not be construed as a consumer contract. I further certify that the information provided in this application is true, correct, and accurate in all respects.

I agree that 4FiMD, LLC., its affiliates, assigns, agents, service providers, and potential funding partners may retain this application and any related information.

I expressly consent and authorize 4FiMD, LLC., its affiliates, assigns, agents, service providers, and funding partners to share, obtain, and use information about me and my business to contact me using any means of communication, including but not limited to:

Calls placed to my home, business, or cellular telephone
Calls using an automatic telephone dialing system or prerecorded messages
SMS or text messages
Emails regarding promotions, product offers, servicing updates, and other communications relating to 4FiMD, LLC., its affiliates, assigns, or partners.

CREDIT, IDENTITY, AND INFORMATION AUTHORIZATION

I expressly consent and authorize 4FiMD, LLC., its affiliates, assigns, agents, service providers, and funding partners to obtain, verify, and review information about me and my business from consumer reporting agencies, business reporting agencies, identity verification providers, fraud prevention databases, and other third-party sources.

This authorization includes, but is not limited to, obtaining:

Consumer credit reports
Business credit reports
Identity verification reports
Fraud and risk database reports
Public record searches
Asset verification and financial data
Employment and income verification

Information may be obtained from consumer reporting agencies including but not limited to:

Experian
Equifax
TransUnion

and from identity verification or fraud prevention service providers including but not limited to:

Grid Verify.

I authorize these reports to be obtained for purposes including but not limited to:

Application review and underwriting
Prequalification and creditworthiness determination
Identity verification and fraud prevention
Regulatory compliance and risk management
Account servicing and portfolio monitoring
Collections and skip tracing

I further authorize 4FiMD, LLC. and its authorized partners to obtain such reports now and periodically thereafter, including after credit is extended, for purposes of account review, servicing, risk monitoring, fraud prevention, and collections.

BACKGROUND AND INVESTIGATIVE REPORT AUTHORIZATION

I further authorize 4FiMD, LLC., its affiliates, assigns, agents, service providers, and funding partners to obtain and review background and investigative reports regarding me and any principals, owners, officers, directors, managers, members, or guarantors associated with this application or any related business entity.

Such reports may include, but are not limited to:

Criminal background records
Civil litigation and judgment records
Bankruptcy records
Public records and court filings
Fraud prevention databases
Government watch lists and sanctions screening, including OFAC
Identity verification services
Business and professional license verification

These reports may be obtained from third-party investigative services, public record databases, consumer reporting agencies, and fraud prevention providers for purposes including but not limited to:

Underwriting and credit risk assessment
Fraud prevention and identity verification
Regulatory and compliance obligations
Portfolio monitoring and account review
Collections and recovery efforts

INFORMATION SHARING

I authorize 4FiMD, LLC., its affiliates, assigns, agents, service providers, funding partners, and potential purchasers of receivables or loans to:

Exchange information about me and my business
Verify application information
Share credit and performance information

4FiMD, LLC. and its authorized partners may also provide account history and credit performance information to:

Consumer reporting agencies
Business credit bureaus
Financing partners
Collection agencies
Attorneys or legal representatives
Other financial institutions

for purposes including credit reporting, servicing, risk monitoring, and collections.

ELECTRONIC RECORD AND SIGNATURE DISCLOSURE

From time to time, 4FiMD, LLC. (we, us or Company) may be required by law to provide certain written notices or disclosures.

Described below are the terms and conditions for providing such notices and disclosures electronically through the 4FiMD, LLC. system.

Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to this Electronic Record and Signature Disclosure (“ERSD”), please confirm your agreement by selecting the check-box next to “I agree to use electronic records and signatures” before clicking CONTINUE within the 4FiMD, LLC. system.

GETTING PAPER COPIES

At any time, you may request from us a paper copy of any record provided or made available electronically to you.

You will have the ability to download and print documents we send to you through the 4FiMD, LLC. system during and immediately after the signing session and, if you elect to create a 4FiMD, LLC. account, you may access the documents for a limited period of time (usually 30 days) after such documents are first sent to you.

After such time, if you wish for us to send you paper copies of any such documents from our office to you, you will be charged a $0.00 per-page fee.

You may request delivery of such paper copies from us by following the procedure described below.

WITHDRAWING YOUR CONSENT

If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format.

CONSEQUENCES OF CHANGING YOUR MIND

If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you because we will need to first send the required notices or disclosures to you in paper format and then wait until we receive your acknowledgement.

You will no longer be able to use the 4FiMD, LLC. system to receive required notices and consents electronically or sign documents electronically.

ALL NOTICES AND DISCLOSURES WILL BE SENT ELECTRONICALLY

Unless you tell us otherwise, we will provide electronically to you through the 4FiMD, LLC. system all required notices, disclosures, authorizations, acknowledgements, and other documents required during the course of our relationship with you.

If you do not agree with this process, please notify us as described below.

HOW TO CONTACT 4FIMD, LLC.

You may contact us to update your contact information, request paper copies, or withdraw electronic consent.

Email: [email protected]

TO ADVISE 4FIMD, LLC. OF YOUR NEW EMAIL ADDRESS

Send an email to [email protected] including:

Your previous email address
Your new email address

If you created a 4FiMD account, you may update your email address within your account preferences.

TO REQUEST PAPER COPIES