Terms of Use

1. Introduction

Welcome to Advance Business Solutions ("Company," "we," "our," or "us"). These Terms of Use ("Terms") govern your access and use of our website, products, and services, including but not limited to loan brokerage, business coaching, and eCommerce transactions (collectively, the "Services"). By accessing or using our Services, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our Services.

2. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent that you have the legal capacity to enter into a binding agreement.

3. Loan Brokerage Services

a. We act as an intermediary between borrowers and lenders. We do not provide loans ourselves.
b. We do not guarantee loan approval, interest rates, or loan terms offered by lenders.
c. You agree to provide accurate and complete information in any loan application process.
d. We are not responsible for any decisions made by lenders regarding loan approvals or denials.

e. We may receive compensation from lenders for referrals, which does not affect your loan terms.

4. Business Coaching Services

a. Our business coaching services provide general guidance and strategies. They do not constitute legal, tax, or financial advice.
b. Results are not guaranteed. Success depends on individual effort, industry trends, and market conditions.
c. We are not liable for any decisions or actions you take based on our coaching services.

d. You acknowledge that business success requires effort, and we make no promises of specific results.

5. eCommerce Transactions

a. We sell digital and/or physical products via our website.
b. All purchases are final unless otherwise stated in our refund policy.
c. Prices are subject to change without notice.
d. You agree to provide accurate billing and shipping information for all transactions.
e. Unauthorized resale or distribution of our products is prohibited.

6. User Conduct

You agree not to:
a. Use our Services for any illegal or fraudulent activity.
b. Misrepresent your identity or financial situation.
c. Interfere with or disrupt our website or Services.
d. Copy, modify, or distribute our content without permission.

7. Intellectual Property

All content, including text, images, logos, and trademarks, belongs to us or our licensors. You may not use our intellectual property without written permission.

8. Disclaimers and Limitation of Liability

a. Our Services are provided "as is" without warranties of any kind.
b. We do not guarantee specific results from using our Services.
c. We are not liable for indirect, incidental, or consequential damages arising from your use of our Services.
d. Our liability is limited to the amount you paid us for the relevant Service.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or losses arising from your use of our Services or violation of these Terms.

10. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

11. Termination

We may suspend or terminate your access to our Services at our discretion if you violate these Terms or engage in fraudulent or harmful activities.

12. Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

13. Dispute Resolution

Any disputes shall be resolved through binding arbitration or mediation in [Your Location], unless prohibited by law.

14. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be posted on our website, and continued use of our Services constitutes acceptance of the revised Terms.

15. Contact Information

For any questions or concerns about these Terms, please contact us at [email protected]