This Electronic Records and Signature Disclosure ("E-Sign Disclosure") governs how Harbor Vance Funding Group LLC ("Harbor Vance," "we," "our," or "us") delivers disclosures, notices, file verification summaries, referral authorizations, and related correspondence in digital form when you interact with harborvance.com.
1. Scope of Electronic Delivery & Execution
By affirming this E-Sign Disclosure during portal verification, you confirm that agreements, statutory notices, privacy statements, account updates, and partner referral authorizations may be presented electronically via your browser or sent to the email address recorded on your profile. Under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and applicable state Uniform Electronic Transactions Acts, your digital affirmation carries the full legal validity of an ink signature.
2. System & Software Specifications
To view, download, print, and retain digital records from Harbor Vance, you must maintain: (a) a desktop computer, tablet, or smartphone with reliable internet connectivity; (b) a supported, up-to-date web browser (current or immediately prior release of Chrome, Safari, Edge, or Firefox) with 256-bit TLS encryption and JavaScript enabled; (c) an active email inbox capable of receiving HTML messages and attachments; and (d) local storage or a connected printer to archive HTML or PDF copies for your files.
3. Requesting Paper Copies
You may download or print any disclosure directly from your browser at zero charge. If you prefer a physical paper copy of any record generated by Harbor Vance, write to us at [email protected] or call (866) 528-4910 with your full name, postal mailing address, and the document title. Harbor Vance furnishes single paper copies of platform disclosures without administrative fees.
4. Revoking Electronic Consent & Updating Contact Records
You may withdraw your consent to conduct future platform transactions electronically at any time before a referral transmission is finalized by emailing [email protected] or mailing a written notice to Harbor Vance Funding Group LLC, 501 Silverside Rd, Suite 105, Wilmington, DE 19809. Revocation applies prospectively and does not invalidate electronic authorizations executed prior to processing your notice, though withdrawing digital consent will conclude our ability to process online verification sessions. Please notify us promptly at [email protected] if your email address or telephone number changes.
Please review carefully before executing: Harbor Vance operates a commercial working-capital evaluation and third-party financial network referral service through Harbor Vance Funding Group LLC. Commercial merchant cash advances purchase a portion of future business receivables and apply strictly to qualified self-employed operators and commercial entities rather than wage-only W-2 applicants. Where a direct commercial receivables purchase is unavailable for your profile, Harbor Vance can—at your voluntary election—route your inquiry to participating third-party lending and finance providers ("Network Partners") that evaluate business or personal credit products.
1. Role of Harbor Vance (Not a Consumer Lender)
For partner-network routing, Harbor Vance Funding Group LLC does not issue loans, extend consumer credit, broker consumer debt, or render underwriting approvals. Harbor Vance transmits your verified profile to independent Network Partners at your request. We do not establish APRs, factor rates, origination charges, or payment calendars, and we cannot guarantee that any Network Partner will extend an offer or approve a specific dollar figure.
2. Information Authorized for Transmission
By executing below, you instruct Harbor Vance to transmit the inquiry attributes recorded on your file—including legal name, contact coordinates, residential address, birth date, Social Security number, revenue or employment figures, and deposit routing details—to one or more Network Partners so they may assess product fit, verify identity, and present potential funding terms.
3. Fair Credit Reporting Act (FCRA) Inquiry Authorization
Participating Network Partners—not Harbor Vance—may evaluate your consumer credit file. By consenting below, you grant express written authorization under the Fair Credit Reporting Act (FCRA) for each receiving Network Partner to obtain consumer reports or credit bureau inquiries (which may include soft pre-qualification checks or hard credit inquiries that can affect your credit score) to evaluate your request. Decline to execute if you do not wish Network Partners to review your credit history.
4. Participating Partner Communications
Executing this authorization permits matched Network Partners and their authorized servicers to contact you by telephone or email at the coordinates associated with your file in order to verify underwriting details, present conditional terms, and administer your request. Partner follow-up is voluntary and is not a prerequisite for purchasing any unrelated good or service, and each Network Partner administers its own communication preferences directly.
5. Independent Partner Agreements & Privacy
Once connected, your relationship is solely with the applicable Network Partner under that provider's contract terms and privacy notice. Harbor Vance's handling of first-party data is detailed in our Privacy Policy (questions: [email protected]).