PLATFORM GOVERNANCE

Terms & Conditions

Effective & Last Updated: October 15, 2026 · Harbor Vance Funding Group LLC

These Terms & Conditions ("Agreement") establish a legally binding contract between you and Harbor Vance Funding Group LLC ("Harbor Vance," "Company," "we," or "us") governing your access to harborvance.com and all intake, file-verification, and partner-referral tools provided thereon.

1. Platform Function & Non-Lender Status

Harbor Vance operates a digital commercial intake and third-party financial referral platform. Harbor Vance is not a chartered bank, credit union, or direct consumer loan originator. Depending upon your profile, Harbor Vance may review commercial future-receivables eligibility for self-employed businesses or, upon your explicit election, introduce your inquiry to independent third-party finance and lending providers ("Network Partners"). Harbor Vance never guarantees offer availability, specific dollar approvals, factor rates, APRs, or funding timelines.

2. Applicant Eligibility & Truthful Representations

To access our Returning File Portal or partner-referral tools, you must be at least eighteen (18) years old, a legal resident of the United States, and authorized to act on your own behalf (or on behalf of the commercial entity named in your submission). You covenant that all identity, revenue, employment, and deposit information associated with your file is current, truthful, and belongs exclusively to you.

3. Partner Referrals & Credit Bureau Authorizations

When you authorize connection to Network Partners, you acknowledge that each Network Partner operates independently under its own agreements and fee schedules. Your electronic authorization permits receiving Network Partners to verify identity and obtain consumer credit reports (which may include soft or hard inquiries under the Fair Credit Reporting Act). Once connected, any subsequent financing agreement is strictly between you and that Network Partner.

4. Acceptable Conduct

You agree not to submit synthetic or third-party credentials, probe or scrape platform endpoints, bypass rate controls, or interfere with the security of harborvance.com.

5. Warranty Disclaimers & Liability Cap

THE PLATFORM AND ALL MATCHING TOOLS ARE DELIVERED "AS IS" AND "AS AVAILABLE" WITHOUT EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR UNINTERRUPTED AVAILABILITY. TO THE FULLEST EXTENT PERMITTED BY DELAWARE LAW, HARBOR VANCE FUNDING GROUP LLC SHALL NOT BE LIABLE FOR INDIRECT, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING FROM PLATFORM USE OR THIRD-PARTY PARTNER DECISIONS.

6. Delaware Law & Individual Arbitration

This Agreement is governed by the laws of the State of Delaware without regard to conflict-of-law doctrines. Any dispute or claim arising out of or relating to this Agreement or harborvance.com shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer or Commercial Rules, as applicable, and both parties waive participation in class or representative proceedings.

7. Corporate Contact

Harbor Vance Funding Group LLC
501 Silverside Rd, Suite 105, Wilmington, DE 19809
Email: [email protected] · Phone: (866) 528-4910