1. Acceptance of Terms
These Terms of Service (the “Terms”) govern your access to and use of the website located at perlefunding.com, including any subdomains thereof, and any services, content, features, or applications offered through the website (collectively, the “Services”), which are owned and operated by Perle Funding LLC (“Perle Funding,” the “Company,” “we,” “us,” or “our”).
By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Services.
2. Eligibility
The Services are intended for use by individuals who are of legal age to form a binding contract in their jurisdiction and who are acting on behalf of a business. By using the Services, you represent and warrant that (a) you are at least 18 years of age; (b) you have the legal authority to enter into these Terms, whether on your own behalf or on behalf of the business you represent; and (c) all information you submit to us is truthful and accurate.
3. Changes to These Terms
We reserve the right, in our sole discretion, to modify these Terms at any time. When we make changes, we will update the “Last updated” date at the top of this page and post the revised Terms on the website. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
4. Not an Offer; No Guarantee of Funding
The content of the Services is provided for informational purposes only and does not constitute an offer to lend, an offer to purchase receivables, financial advice, legal advice, or an offer to sell or a solicitation to buy securities. Submitting an application through the Services does not guarantee that you will receive an offer, approval, or funding. All funding products are subject to underwriting review and separate written agreements, and may not be available in all states or to all applicants. Perle Funding LLC is not a bank.
5. Third-Party Services
The Services may integrate with or link to third-party platforms, tools, and services, including bank-data providers, payment processors, and credit reporting services. Your use of any third-party service is subject to that third party’s own terms and privacy policies, and you are responsible for reviewing and complying with them. We are not responsible for the content, accuracy, or practices of any third-party service.
6. Restrictions on Use
You agree that you will not, and will not permit any third party to:
- copy, reproduce, distribute, sell, license, or otherwise commercially exploit any portion of the Services;
- frame, mirror, scrape, crawl, or use automated means (including bots, spiders, or data-mining tools) to access or collect content from the Services;
- reverse engineer, decompile, or disassemble any portion of the Services;
- use the Services to build a competing product or service;
- remove or alter any copyright, trademark, or other proprietary notices; or
- access the Services by any means other than the interfaces we provide.
7. Ownership; Intellectual Property
The Services, including all content, text, graphics, logos, designs, software, and other materials contained therein, are the exclusive property of Perle Funding LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Services except the limited right to use the Services in accordance with these Terms.
8. Communications; Electronic Consent
By providing your contact information, you agree that we may communicate with you by email, telephone, text message (SMS), and notices posted on the website regarding your application, your account, and the Services. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.
If you have opted in to receive text messages, message frequency varies and message and data rates may apply. You may opt out at any time by replying “STOP.” Consent to receive text messages is not a condition of applying for or obtaining funding.
9. Credit Application; Authorization
By submitting an application through the Services, you certify that the information provided is true, accurate, and complete, and that you are authorized to provide it on behalf of the business. You acknowledge and agree that an application submitted electronically shall have the same legal force and effect as a signed original.
You authorize Perle Funding LLC, its affiliates, assignees, and funding partners to (a) obtain consumer and business credit reports and other background information about you and the business, both in connection with your application and subsequently in connection with any updates, renewals, servicing, or collection; (b) verify the information you provide with third parties, including banks, references, and government agencies; and (c) share your application information with funding partners for the purpose of evaluating and providing funding offers.
10. Prohibited Uses
You agree not to use the Services to:
- violate any applicable law, regulation, or third-party right;
- submit false, misleading, or fraudulent information;
- impersonate any person or entity or misrepresent your affiliation with any person or entity;
- transmit spam, chain letters, or other unsolicited communications;
- transmit viruses, malware, or any other harmful code; or
- interfere with or disrupt the operation of the Services or the servers or networks that host them.
11. Disclaimer of Warranties
THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PERLE FUNDING LLC OR ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).
13. Indemnification
You agree to indemnify, defend, and hold harmless Perle Funding LLC and its officers, members, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with (a) your use of the Services; (b) your violation of these Terms; or (c) any information you submit through the Services.
14. Dispute Resolution; Arbitration; Class Action Waiver
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Nassau County, New York, before a single arbitrator, and judgment on the award may be entered in any court of competent jurisdiction.
YOU AND PERLE FUNDING LLC EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING. All claims must be brought in the parties’ individual capacities.
15. Termination
We may suspend or terminate your access to the Services at any time, with or without cause or notice. Sections of these Terms that by their nature should survive termination — including ownership provisions, warranty disclaimers, limitations of liability, indemnification, and dispute resolution — shall survive.
16. Governing Law; Miscellaneous
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-laws principles. Subject to the arbitration provision above, the state and federal courts located in Nassau County, New York shall have exclusive jurisdiction over any dispute.
These Terms, together with the Privacy Policy and any separate funding agreements you enter into with us, constitute the entire agreement between you and Perle Funding LLC with respect to the Services. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any provision shall not constitute a waiver. You may not assign these Terms without our prior written consent; we may assign these Terms without restriction.
17. Contact Us
Questions about these Terms may be directed to:
Perle Funding LLC
New York, NY
Email: support@perlefunding.com
Phone: (516) 232-1308