Terms of Service

1. Acceptance of Terms

By accessing or using The Link SBA 7(a) ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

The Link SBA 7(a) is a document management and organizational tool designed to assist users in preparing Small Business Administration (SBA) 7(a) loan applications. The Service provides:

• Document checklists and tracking
• File upload and organization capabilities
• Guidance and informational resources
• Prequalification calculators
• Document package export functionality

3. Important Disclaimers

You acknowledge and agree that:

• The Link SBA 7(a) does not guarantee loan approval or favorable terms
• We are not responsible for errors or omissions in your loan application
• You should consult with qualified professionals (attorneys, accountants, SBA advisors) before submitting any loan application
• The SBA and lenders have sole discretion over loan approvals
• We make no representations about the accuracy or completeness of any information provided

4. User Responsibilities

You are solely responsible for:

• The accuracy and completeness of all information you provide
• Verifying all information before submitting to lenders or the SBA
• Maintaining the security of your account credentials
• All activity that occurs under your account
• Backing up your own documents and data
• Compliance with all applicable laws and regulations

5. Limitation of Liability

• Loan application rejections or denials
• Unfavorable loan terms or conditions
• Errors or omissions in documents prepared using the Service
• Loss of business opportunities or financial losses
• Data loss or corruption
• Unauthorized access to your account or data
• Service interruptions or technical issues

Our total liability to you for any claims arising from the use of the Service shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

6. No Guarantee of Results

We make no guarantees, warranties, or representations regarding:

• Loan approval likelihood or outcomes
• The suitability of the Service for your specific situation
• The Service meeting your requirements or expectations
• Uninterrupted or error-free operation

7. Data Privacy and Security

Your use of the Service is also governed by our Privacy Policy. Key points include:

• We do not share your data with third-party AI services
• All processing occurs locally in your browser where possible
• You are responsible for the security of sensitive financial documents
• We recommend encrypting sensitive files before upload

8. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose or fraudulent activity
• Submit false or misleading information in loan applications
• Attempt to gain unauthorized access to the Service or other accounts
• Reverse engineer, decompile, or extract source code
• Resell or redistribute the Service without permission
• Use automated systems to access the Service

9. Intellectual Property

The Service, including all content, features, and functionality, is owned by The Link and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

10. Account Termination

We reserve the right to suspend or terminate your access to the Service at any time for any reason, including violation of these Terms. Upon termination, you must cease all use of the Service and may lose access to your data.

11. Payment Terms

If you purchase a subscription or one-time access:

• All fees are non-refundable except as required by law
• Subscription fees are billed in advance on a recurring basis
• You may cancel subscriptions at any time, effective at the end of the current billing period
• We reserve the right to change pricing with 30 days notice

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of [Your Jurisdiction].

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

For questions about these Terms, please contact us at:

Email: [your-email@loanlink.com]
Address: [Your Business Address]