Please read these terms carefully before using our website or services.
These Terms and Conditions ("Terms") govern your access to and use of the website m-calservices.com (the "Site") and the services provided by M-CAL SERVICES LLC ("Company," "we," "us," or "our"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
By accessing or using our Site, submitting an application, or engaging our services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and M-CAL SERVICES LLC.
You must be at least 18 years of age and legally authorized to enter into contracts to use our Site and services. By using our Site, you represent and warrant that you meet these eligibility requirements. If you are using our services on behalf of a business, you represent that you have authority to bind that business to these Terms.
M-CAL SERVICES LLC is a direct lender providing financial products and lending solutions to businesses. Our services include, but are not limited to, business term loans, lines of credit, equipment financing, revenue-based financing, and working capital solutions. All lending products are subject to credit approval and underwriting criteria.
Information provided on this Site is for general informational purposes only and does not constitute a commitment to lend, a guarantee of approval, or an offer of specific terms. Final terms are subject to the executed loan agreement.
By submitting an application through our Site or directly to our team, you:
By opting in to receive text messages from M-CAL SERVICES LLC through our website contact form or other opt-in mechanisms, you agree to the following:
We may use technology to deliver text messages, which may include an Automatic Telephone Dialing System (ATDS) or similar technology as defined under the Telephone Consumer Protection Act (TCPA) and applicable state laws. By providing your phone number and opting in to text messages, you expressly consent to receiving messages sent via ATDS or equivalent technology.
You are responsible for any message and data rates charged by your mobile carrier. We are not responsible for delayed or undelivered messages due to carrier issues or technical problems beyond our control.
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of M-CAL SERVICES LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.
When using our Site, you agree not to:
THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. M-CAL SERVICES LLC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, M-CAL SERVICES LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS 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 OR RELATED TO YOUR USE OF THE SITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.
You agree to indemnify, defend, and hold harmless M-CAL SERVICES LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
Our Site may contain links to third-party websites or services that are not owned or controlled by M-CAL SERVICES LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites. You access third-party sites at your own risk.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Kings County, New York.
We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on the Site with an updated "Last Updated" date. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and M-CAL SERVICES LLC regarding your use of the Site and supersede all prior agreements and understandings, whether written or oral.
If you have any questions about these Terms and Conditions, please contact us:
M-CAL SERVICES LLC
1859 E 22nd St
Brooklyn, NY 11229
Email: michael@m-calservices.com