Terms of Service

Introduction

Welcome to Fundora. These Terms of Service ("Terms") govern your use of our loan readiness assessment service. By accessing or using Fundora, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our service. We reserve the right to modify these Terms at any time, and your continued use of the service constitutes acceptance of any changes.

Service Description

Fundora provides a free loan readiness assessment powered by artificial intelligence (Claude AI by Anthropic). Our service helps small business owners:

• Evaluate their loan readiness based on financial and business data
• Receive a personalized assessment report with a qualification score
• Understand their strengths and areas for improvement
• Optionally connect with vetted lenders (with explicit consent)

Important: Fundora is an educational tool, not a financial advisory service. Our assessments do not constitute financial, legal, or tax advice.

User Responsibilities

By using Fundora, you agree to:

Provide Accurate Information

• Submit truthful and accurate information in your assessment responses.
• Update your contact information when it changes.
• Understand that inaccurate data may lead to misleading assessment results.

Use the Service Appropriately

• Use the service only for lawful purposes.
• Not attempt to abuse, disrupt, or interfere with the service.
• Not use automated tools (bots, scrapers) to access the platform.
• Not reverse engineer or attempt to extract the underlying AI models or algorithms.

Account Security

• Maintain the confidentiality of your account credentials.
• Notify us immediately if you suspect unauthorized access to your account.
• You are responsible for all activities that occur under your account.

Intellectual Property

Fundora Owns the Platform

All rights, title, and interest in the Fundora platform, including the website, software, AI models, assessment reports, and branding, are owned by Fundora. You may not copy, modify, distribute, or create derivative works without our explicit written permission.

You Own Your Input Data

You retain ownership of the information you provide to Fundora (your assessment responses, business data, and contact information). By using our service, you grant us a limited license to use this data to generate your assessment report and provide our services.

Reports

The assessment reports generated by Fundora are provided for your personal use. You may download, print, and share your reports for legitimate business purposes. However, you may not resell, republish, or use the reports in any way that misrepresents their source or purpose.

Disclaimers

Please read these disclaimers carefully before using Fundora:

Not Financial Advice

Fundora does not provide financial, legal, or tax advice. Our assessment is an educational tool designed to help you understand your loan readiness. You should consult with qualified financial advisors, accountants, and attorneys before making any financial decisions.

No Guarantee of Loan Approval

Our assessment does not guarantee loan approval from any lender. Lenders have their own underwriting criteria, risk assessments, and approval processes. Your actual loan eligibility may differ from our assessment.

AI-Generated Content Limitations

Our reports are generated using AI (Claude by Anthropic). While we strive for accuracy, AI-generated content may contain errors, omissions, or limitations. We recommend verifying any critical information with professional advisors.

Scores Are Estimates

The qualification scores provided in our assessments are estimates based on general lending criteria. They are not official credit scores or lender-specific approval ratings. Different lenders may evaluate your business differently.

Limitation of Liability

Service Provided "As Is"

Fundora is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the service, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy, completeness, or reliability of assessment results
• Uninterrupted or error-free operation
• Security of data transmission

Limitation of Damages

To the maximum extent permitted by law, Fundora and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from:

• Your use or inability to use the service
• Errors, omissions, or inaccuracies in assessment reports
• Loan denials or unfavorable financing terms
• Unauthorized access to your data

In jurisdictions that do not allow the exclusion of certain warranties or limitations on liability, our liability is limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless Fundora, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any third-party rights
• Inaccurate or misleading information you provide

Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Informal Resolution

If you have any disputes or concerns, please contact us first at support@whoisfundora.com. We will make a good faith effort to resolve disputes informally.

Termination

We reserve the right to suspend or terminate your access to Fundora at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or abusive behavior
• Legal or regulatory requirements

You may terminate your account at any time by contacting us at support@whoisfundora.com. Upon termination, your data will be deleted in accordance with our Privacy Policy.

Changes to These Terms

We may update these Terms from time to time to reflect changes in our service, legal requirements, or business practices. We will notify you of any material changes by:

• Posting the updated Terms on this page
• Updating the "Last updated" date
• Sending an email notification (for significant changes)

Your continued use of Fundora after the updated Terms take effect constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the service.

Contact Us

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us:

Email: support@whoisfundora.com