Terms and Conditions

Thank you for visiting the website located at https://www.become.co (the “Site“) operated by Lending Express, Inc., doing business as “Become” (“We “, “us” or “Company“). Please carefully read these terms of use (the “Terms“) as well as our privacy policy, which we may update from time to time, a current version of which is available here (the “Privacy Policy“). We provide value added services meant to connect small-medium businesses with small-medium business loan providers, as further described at https://www.become.co (together with the Site, the “Services“). By accessing the Site or using our Services, you thereby agree to the Terms and Privacy Policy. “You” means a user of the Site and/or Services. If you do not agree to the Terms and Privacy Policy, you should exit our Site and not use or review any of the information that is posted on the Site and not apply for or use our Services.

We may revise the Terms at any time without notice by updating this Site. All updates to the Terms will be posted on this page. You are bound by any revisions or updates. You should periodically visit these Terms to review the current terms that apply to your use of our Site or Services. Any use of the Site or Services by you after Company’s publication of any such changes shall constitute your acceptance of these Terms as modified. Company may, in its sole discretion and at any time, discontinue providing the Site or Services or any part thereof without notice.

Use of and access to the Site or Services is void where prohibited by law. By using the Site or Services, you represent and warrant that (a) any and all information you submit is truthful and accurate; (b) you are of a legal age to form a binding contract to receive a loan; (c) your use of the Site or Services does not violate any applicable law or regulation or any obligation; and (d) your use of the Site or Services is for a bona fide business purpose.

Please note that we are not a government agency, government organization, financial institution, loan provider or other funding provider. We are a company providing value added services meant to connect small-medium businesses with small business loan providers. We may receive a referral fee from loan providers for providing the connection between you and the fund providers. The Service does not necessarily include all fund providers or all types of products available in the marketplace. We can’t guarantee to you will be matched or be given an offer, nor that your matches will be the best possible rates and terms available in the market.

Please note that generally you, either on your own or through an independent third party, as required by applicable law, can apply for small-medium business loans without the use of the Services directly with a small-medium business loan provider.

By using the Site or Services to assist your self-representation, you agree to the following terms. You are representing yourself and/or the entity you are authorized to represent in this business matter. No attorney-client or other professional privilege is created with Company. You have been fully informed of the Services that Company is performing. No governmental entity or authority has evaluated or approved Company’s knowledge or experience, or the quality of Company’s Services.

Please note that you may obtain information regarding small-medium business loans from a professional business consultant, financial institution or other funding provider. Company  is not permitted to provide you the actual loan or any kind of advice, explanation, opinion, or recommendation about possible financial or legal rights, remedies, defenses, options, selection of forms or strategies.

COMPANY  DOES NOT GUARANTEE THAT YOU WILL RECEIVE A LOAN FROM ANY PROVIDER.
No information on the Site is to be construed as financial product advice or a recommendation, to buy or sell any financial product. The Services provided by Company  does not constitute an offer, invitation, solicitation or recommendation in relation to the subscription, purchase or sale of financial products.

Application Services

We shall provide the following assistance with respect to your search for a small-medium business loan:
(1) preliminary loan assessment services on behalf of our trusted third party lenders (the “Lender(s)”) using the information provided by you through the pre-qualification questioner completed by you for the grant of such small-medium business loan (“ Prequalification Criteria”). The pre-qualification questioner may request information including but not limited to business name and address, amount and intended purpose of funding sought, certain financial information and documents regarding the business, and certain information and documents regarding your business (the “Application Information”); (2) additional Services (the ” Additional Services“) designed to improve your credit score or otherwise improve the attractiveness of your loan application. Such services shall include access to Company E-book, live Dashboard, Company ‘s breakdown of financial statements and Company’s internal score generated using Company’s internal ranking system (“LendingScore™ Services“). The LendingScore™ Services shall be offered at the discretion of Company , if offered to you, you may be granted with access to Company’s LendingScore™ dashboard which will provide you with relevant information and tips for how to improve your credit score and other factor such as: sales, cash flow management etc., you’ll also be provided with access to Company ‘ live dashboard which will enable you to understand the reasons for loan rejection, a personalized step-by-step optimization plan, an option to view your real credit score and monitor your process, and eventually provide you with your LendingScore™.

You agree to provide true, accurate, current and complete Application Information. We are not responsible for any Service-related issues arising from your failure to provide true, accurate, current and complete Application Information. If we determine, in our sole discretion, that you have failed to do so, we may suspend or terminate your access to the Site and Service. If, based on our Prequalification Criteria and at our sole discretion you are found eligible, we will forward your Application Information to Lenders. By providing the Application Information to Company, you authorize us to furnish the Lender with your Application Information on your behalf and, if necessary, verify certain fields of your Application Information You may be found eligible for a business loan by several Lenders. In case you have been found eligible by several Lenders, your authorization to share your Application Information will apply to each Lender you have chosen to complete the application process with, as described in this paragraph.

Your receipt of the loan from the Lender is subject to a separate agreement between you and the Lender. You acknowledge and agree that Company has no role in the Lender’s decision to provide or not provide funding to you, and that Company  provides the Application Information to the Lender on your behalf.
You authorize us to use the Application Information for all purposes related to the Service, and to have continued access to your Application Information, provided that such access shall be used solely for the purpose of providing the Service to you.

Lenders may require you to provide bank statements in order to complete their assessment process regarding your request (“ the Statements”). You may be able to choose to (1) Share your Statements with the Lender(s) through the options provided on their respective website(s); or (2) use the third party service through our website which will enable us and the Lender(s) to retrieve your Statements (some Lenders may enable you to use the third party service on their respective websites). By using the third party service, you represent and warrant that you have taken all the required steps with your bank in order to authorize the third party service or similar applicable third parties to obtain access to your bank account(s). If you choose to use the third party service on our website, you will be asked to enter your online banking credentials. These credentials will not be stored or used by us. To learn more about the third party service, please visit their website. To view the third party service’s privacy policy, click here. The Statements may be retained and shared by us with the Lender(s) or sent directly to the Lender(s), based on the contractual relationship between the third party service and the Lender(s). Please note that some Lenders may require a separate process of obtaining your Statements as part of their authorization process, even if such Statements have been provided by one of the options mentioned in this paragraph.

Additional Services

We may offer you additional services (the “ Additional Services”), from time to time, including but not limited to: providing additional written or oral information regarding financial conduct, providing monthly updates regarding financial issues and so on.

The Additional Services will be provided in accordance with the Terms and the Privacy Policy. Specific terms may apply for each one of the Additional Services and will be stipulated alongside such Additional Service.

Intellectual Property

Company  and its licensors own the Site or Services, as well as the materials provided on this Site or Services, including all worldwide intellectual property rights in the Site or Services, and the trademarks, service marks, and logos contained therein. Except as expressly permitted herein, you may not copy, further modify, adapt, duplicate, distribute, display, perform, sublicense, republish, retransmit, reproduce, create derivative works of, transfer, sell or otherwise use the Site or Services or any content appearing in the Site or Services. You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in the Site or Services. All trademarks are trademarks or registered trademarks of their respective owners. Nothing in these Terms grant you any right to use any trademark, service mark, logo, or trade name of Company  or any third party. Unauthorized use constitutes copyright and/or trademark infringement and may be prosecuted.

You may not, or attempt to; (a) decipher, decompile, disassemble, or reverse-engineer any of the software used to provide the Site or Services; (b) circumvent, disable, or otherwise interfere with security-related features of the Site or Services or features that prevent or restrict use or copying of any content; (c) use any robot, spider, site search or retrieval service, or any other manual or automatic device or process to retrieve, index, data-mine, or in any way reproduce or circumvent the navigational structure or presentation of the Site or Services; or (d) harvest, collect or mine information about users of the Site or Services.

Pricing and Fees

We do not charge you any fee for the Service. We may charge fees for certain Additional Services, as specified in the applicable Additional Service sign-up page. Company does not control a Lender’s terms, and a Lender’s funding terms and conditions are entirely and solely within the Lender’s discretion.
We may charge a fee for the Additional Services.

No refunds are issued for any reason for Additional Services. All Services are provided as-is without any guarantee. By purchasing any Additional Service, you are confirming that you have read and understand our no refunds policy. You further agree that you will not make or attempt to make any chargebacks.

Disclaimers & Disclaimer of Warranty

Company  is not financial consultant or institution and neither Company nor any of its employees provide legal or financial services or advice of any sort. Furthermore, no representations or warranties express or implied, are given regarding the legal, financial or other consequences resulting from the use of our Site or Services or the forms provided therein. Company does not guarantee or assume any responsibility for any service advertised or offered by any third party service relating to either Company  or any funding provider. Company makes no guarantee as to the number of funding providers with whom you may be matched using the Service, nor does Company guarantee that you will be able to obtain business funding in any amount using the Service, including from any funding provider for whom your verified information provisionally prequalifies you for such funding. Company does not guarantee that using the Additional Services will improve your credit score and/or other factor such as: sales, cash flow management etc., and/or the offers you receive from funding providers. You understand and agree that Company is neither a funding provider nor a financial advisor, and nothing on this site is intended to be a substitute for professional financial advice.

Your use of the Site or Services is at your sole discretion and risk. The Site and Services are provided on an “AS-IS” and “AS AVAILABLE” basis without warranties of any kind from Company . COMPANY  EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO THE SITE OR SERVICES, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. COMPANY DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED, (I) REGARDING THE SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF THE SITE OR SERVICES; OR (II) THAT THE SITE OR SERVICES WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED; OR (III) REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY THE SITE OR SERVICES. COMPANY  MAKES NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SITE OR SERVICES.
COMPANY  DOES NOT WARRANT THAT ANY ESTIMATION OR DESCRIPTION PROVIDED THROUGH THE SERVICES IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. COMPANY  CANNOT AND DOES NOT ACCEPT ANY LIABILITY FOR ANY RELIANCE BY YOU ON SUCH INFORMATION. We reserve the right to correct any errors, inaccuracies or omissions and to change or update the content at any time without prior notice (including after you have submitted Application Information to us).

No advice or information, whether oral or written, obtained by you from Company, or any third party on behalf of Company, shall create any warranty not expressly stated in these Terms. If you choose to rely on such information, you do so solely at your own risk. Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.

Limitation of Liability

IN NO EVENT SHALL COMPANY  OR ANY OF ITS AFFILIATES, SUBSIDIARIES, PARTNERS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES OR ANY CONTENT INCLUDED ON THE SITE (INCLUDING ADVERTISEMENTS), INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH THE SITE OR SERVICES, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT COMPANY  HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF COMPANY  FOR ANY AND ALL DAMAGES ARISING UNDER THESE TERMS OF USE OR OUT OF YOUR USE, OR INABILITY TO USE, THE SITE OR THE SERVICE, EXCEED THE TOTAL AMOUNT OF USD 1,000.

YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE SITE OR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCURES, OTHERWISE – SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Indemnification
You agree to indemnify, defend, and hold harmless Company and its respective employees, directors, officers, subcontractors and agents of each, against any and all claims, damages, or costs or expenses (including court costs and attorneys’ fees) that arise directly or indirectly from: (a) breach of these Terms by you; (b) any claim, loss or damage experienced from your use or attempted use of (or inability to use) the Site or Services, including any transactions that you conduct or attempt; (c) your violation of any law or regulation; (d) your infringement of any right of any third party; and (e) any other matter for which you are responsible hereunder or under law. You agree that your use of the Site or Services, including, without limitation, provision of services in connection with the Site shall be in compliance with all applicable laws, regulations and guidelines and shall not be intended to damage, disable, overload or impair the Site or the servers on which it is hosted.

Links
Portions of the Site (including, without limitation, advertisements) may involve linking to or using web sites belonging to third parties. The Site may also provide you with links to access the websites of third party vendors or retailers. We have no control over third-party sites, and all use of third-party sites is at your own risk. Additionally, Company cannot accept responsibility for any payments processed or submitted through such third party sites, or for the privacy policies of any such sites. Company is not responsible for content available by means of such sites. Company does not endorse any products offered by third parties and we urge our users to exercise caution in using third-party sites.

Miscellaneous
These Terms shall be governed by the law of the State of Israel, exclusive of its choice of law rules. Your conduct may also be subject to other local, state, and national laws. Any action to be brought in connection with these Terms or the Application shall be brought exclusively in the courts in Tel-Aviv, and you irrevocably consent to their jurisdiction. Any cause of action against Company must be brought within one (1) year of the date such cause of action arose. If any provision of these Terms is held to be unenforceable, such provision shall be replaced with an enforceable provision which most closely achieves the effect of the original provision, and the remaining terms of these Terms shall remain in full force and effect. Nothing in these Terms creates any agency, employment, joint venture, or partnership relationship between you and Company  or authorizes you to act on behalf of Company . Except as may be expressly stated in these Terms, these Terms constitute the entire agreement between Company and you pertaining to the subject matter hereof, and any and all other agreements existing between us relating thereto are hereby canceled. We may assign our rights and obligations hereunder to any third party without prior notice. You shall not assign any of your rights or obligations hereunder, and any assignment in violation of the foregoing shall be void. No waiver of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If we are required to provide notice to you hereunder, we may provide such notice to the email account that you provided to us.

Messaging Policy 

If you have consented to receive text messages from our website or registration page or web opt-in, we will send you information regarding your application process (such as a notification on missing info, loan application status and so on). 

Frequency of Messages: The number and frequency of SMS/MMS messages sent to your device depends on several factors including number of loan requests you have made, if you have asked for help or support etc.

Opt-out: reply STOP to any text message you receive, or contact Company. US residents may also Text STOP to 20303 or 1-315-842-4185 Customer Service at the contact information listed at www.become.co You consent that following such a request to unsubscribe, you will receive one (1) final message from Company confirming your request. Please allow up to three (3) business days to process your request. You may resume receiving messages at any time by replying UNSTOP.  

For Help: For US residents: Text HELP to 20303 or 1-315-842-4185 or reply HELP to any message, or contact us at support@become.co or 1-838-8000-664. For AU residents: reply HELP to any message or contact us at support@become.co or +61 (0) 2-831-80722. 

Cost:  Message and data rates may apply to each text message sent or received in connection with Company  text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans). Company does not impose a separate fee for sending messages. You acknowledge and agree that you are solely responsible and liable for obtaining, maintaining, and paying all charges related to your mobile device(s).

No Guarantee: Company is not responsible for incomplete, lost, late, or misdirected messages, including (but not limited to) undelivered messages resulting from any form of filtering by your mobile carrier or service provider or otherwise.

Use of Automated Dialing Technology: You acknowledge and agree that the SMS Alerts Service may be provided in some cases through automatic telephone dialing technology, an artificial voice or a pre-recorded voice. By providing us your phone number, you expressly consent to receive the SMS messages service through automatic dialing technology, artificial and pre-recorded voice.

General Communications: You agree to receive notifications from Company, its representatives, employees, and agents, through any means authorized under these Terms, including phone calls and text messages that use automatic telephone dialing technology, artificial voice or pre-recorded voice or live person.

Carriers: Supported carriers may vary according to your location. In the US supported carriers include all major United States carriers including, AT&T, Verizon Wireless, T-Mobile®, Sprint, and others.

Carries, including T-Mobile®, are not liable for delayed or undelivered messages. 

Eligibility

To receive text messages from us, you must be a resident of the United States or Australia and 18 years of age or older. Company  reserves the right to require you to prove that you are at least 18 years of age.


Termination: Company reserves the right, in its sole discretion, to cancel or suspend any or all of the SMS Alerts Service, in whole or in part, for any reason, with or without notice to you.

Last updated: 06/05/2019