Terms of Service

By accessing or using Palm Capital's website, services, or any associated applications, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of any modified terms.

Palm Capital provides alternative business financing solutions including, but not limited to, credit card stacking, no personal guarantee (No PG) funding, shelf corporations, trade lines, credit repair services, and revenue-based financing.

Our services are intended for business purposes only. By applying for funding, you represent that you are seeking financing for legitimate business activities and that all information provided is accurate and complete.

Palm Capital acts as a facilitator connecting businesses with funding solutions. We are not a bank or direct lender. Funding terms, rates, and approval are subject to the specific requirements of our lending partners and financial institutions.

To use our services, you must be at least 18 years of age, a legal resident of the United States, and authorized to conduct business in your jurisdiction. You must have a valid business entity or be in the process of establishing one.

Funding eligibility is determined based on various factors including, but not limited to, credit history, business revenue, time in business, and industry type. Meeting minimum requirements does not guarantee approval.

By submitting a funding application, you authorize Palm Capital and its partners to obtain and review your credit reports, verify business information, and conduct any necessary due diligence to evaluate your application.

You agree to provide truthful, accurate, and complete information in your application. Providing false or misleading information may result in denial of your application, termination of services, and potential legal action.

Funding decisions are made at our sole discretion. We reserve the right to approve, deny, or modify any funding request without providing a specific reason for our decision.

All fees, rates, and financial terms will be clearly disclosed prior to your acceptance of any funding offer. You are responsible for reviewing and understanding all terms before proceeding.

Palm Capital may charge service fees, consultation fees, or other charges as disclosed during the application process. Any applicable fees will be communicated in writing before they are incurred.

Failure to meet repayment obligations may result in additional fees, collection activities, credit reporting, and legal action as permitted by applicable law.

All content on the Palm Capital website, including text, graphics, logos, images, and software, is the property of Palm Capital or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on our website without prior written consent from Palm Capital.

Palm Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of profits, business interruption, or data loss.

Our total liability for any claim arising from these terms or our services shall not exceed the total fees paid by you to Palm Capital in the twelve months preceding the claim.

These limitations apply to the fullest extent permitted by law, regardless of the legal theory upon which the claim is based.

You agree to indemnify and hold harmless Palm Capital, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any disputes arising under these terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless otherwise agreed upon by both parties.

We may terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will immediately cease.

All provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.