Universal Business Loans Terms and Conditions
Effective Date: July 3, 2026
Welcome to Universal Business Loans ("Universal Business Loans," "UBL," "Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of the Universal Business Loans website, products, services, online applications, customer portal, communications, and any related platforms (collectively, the "Services").
By accessing or using our website, submitting an inquiry, completing an application, requesting information, communicating with us by telephone, email, SMS, WhatsApp, live chat, social media, or any other communication method, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you should not access or use our Services.
1. About Universal Business Loans
Universal Business Loans assists business owners in identifying commercial financing opportunities. Depending on the circumstances, Universal Business Loans may:
- Introduce businesses to one or more independent lending partners or financing providers.
- Assist applicants with preparing and submitting financing applications.
- Collect information necessary to evaluate financing opportunities.
- Facilitate communication between applicants and funding providers.
- Provide educational resources regarding commercial financing products.
Universal Business Loans is not a bank, credit union, or government agency. Unless expressly stated otherwise in writing, Universal Business Loans does not directly lend money or guarantee financing approval.
Financing decisions are made solely by independent lenders or financing providers based upon their underwriting guidelines and eligibility requirements.
2. Acceptance of Terms
These Terms constitute a legally binding agreement between you and Universal Business Loans.
By using our Services, you represent that:
- You are at least eighteen (18) years of age.
- You possess the legal authority to enter into binding agreements.
- You are acting on behalf of yourself or an authorized business entity.
- All information you submit is accurate, complete, and truthful.
- You agree to comply with all applicable federal, state, and local laws.
If you are accessing the Services on behalf of a corporation, limited liability company, partnership, nonprofit organization, or other business entity, you represent that you have authority to legally bind that entity.
3. Business Purpose
Our Services are intended solely for commercial and business purposes.
Universal Business Loans does not offer consumer loans, personal loans, or financing intended primarily for personal, family, or household purposes through this website.
Applications submitted for non-business purposes may be declined or rejected.
4. Eligibility
Eligibility for financing varies by lender and financing program.
General eligibility factors may include:
- Time in business
- Monthly or annual business revenue
- Cash flow
- Industry
- Business location
- Credit history
- Existing business obligations
- Bank account activity
- Ownership structure
- Compliance with lender underwriting guidelines
Meeting general eligibility criteria does not guarantee approval. Each lender maintains its own underwriting policies and reserves the right to approve or decline any application.
5. No Guarantee of Approval
Universal Business Loans does not guarantee:
- Financing approval
- Specific loan amounts
- Interest rates
- Factor rates
- Fees
- Repayment terms
- Funding speed
- Loan products
- Renewal eligibility
- Future financing availability
Any funding examples shown on this website are provided for informational purposes only. Actual financing offers depend on numerous factors including your business qualifications, lender requirements, market conditions, and underwriting results. Nothing on this website constitutes a promise or commitment to provide financing.
6. Independent Lending Partners
Universal Business Loans maintains relationships with independent lenders and financing providers.
When you request financing, your information may be reviewed by one or more funding partners in an effort to identify financing opportunities that may meet your business needs.
Each lender:
- Makes its own credit decision.
- Determines its own pricing.
- Establishes its own underwriting guidelines.
- May require additional documentation.
- May perform additional verification.
- Maintains its own legal agreements.
Any financing agreement entered into between you and a lender is solely between you and that lender. Universal Business Loans is not responsible for the terms, conditions, decisions, products, or services offered by third-party financing providers.
7. Educational Content
The articles, calculators, guides, FAQs, blog posts, videos, downloads, emails, newsletters, webinars, and educational materials provided by Universal Business Loans are intended solely for general informational purposes.
They do not constitute:
- Legal advice
- Tax advice
- Accounting advice
- Financial planning advice
- Investment advice
- Lending commitments
You should consult qualified legal, tax, accounting, or financial professionals regarding your specific circumstances before making business or financing decisions.
8. Website Availability
We strive to maintain continuous access to our website and Services. However, we do not guarantee uninterrupted availability.
Access may be suspended, interrupted, or unavailable due to:
- Maintenance
- Software updates
- Security events
- Internet outages
- Third-party service failures
- System upgrades
- Technical issues beyond our control
Universal Business Loans shall not be liable for losses arising from temporary interruptions or unavailability of the Services.
9. Modifications to the Services
We reserve the right to modify, suspend, discontinue, replace, or improve any portion of the Services at any time without prior notice.
This includes:
- Website content
- Financing products
- Educational materials
- Technology platforms
- Online applications
- Customer portals
- Communication tools
- Third-party integrations
Continued use of the Services following any modifications constitutes acceptance of those changes.
10. Changes to These Terms
Universal Business Loans reserves the right to update or revise these Terms at any time.
The "Effective Date" shown at the top of these Terms will indicate when changes become effective. Material updates may also be communicated through our website, email, or other reasonable methods.
Your continued use of the Services after revised Terms become effective constitutes your acceptance of the updated Terms.
11. Financing Applications
When you submit an inquiry or application through Universal Business Loans, you agree that all information you provide is complete, accurate, current, and truthful.
Information requested may include, but is not limited to:
- Business legal name
- DBA (Doing Business As), if applicable
- Business address
- Employer Identification Number (EIN)
- Business formation information
- Ownership information
- Contact information
- Annual and monthly revenue
- Banking information
- Industry classification
- Time in business
- Requested funding amount
- Intended use of funds
- Government-issued identification
- Supporting financial documentation
You agree to promptly notify Universal Business Loans if any material information changes while your application is under review.
Knowingly submitting false, misleading, incomplete, or fraudulent information may result in denial of your application, cancellation of services, reporting to applicable authorities, and any other remedies available under law.
12. Documentation Requirements
Depending upon the financing program and lender requirements, you may be asked to provide documentation including but not limited to:
- Business bank statements
- Driver's license or government-issued identification
- Voided business check
- Bank verification
- Articles of Incorporation or Organization
- Business licenses
- Tax returns
- Profit and loss statements
- Balance sheets
- Merchant processing statements
- Accounts receivable reports
- Proof of business ownership
- Lease agreements
- Utility bills
- Other documentation reasonably requested by Universal Business Loans or participating lenders.
Providing requested documentation promptly helps expedite the underwriting process. Failure to provide requested documentation may delay or prevent financing consideration.
13. Identity Verification
To protect our customers, lending partners, and the integrity of the financing process, Universal Business Loans reserves the right to verify your identity at any stage of the application process.
Verification methods may include:
- Government-issued identification
- Business registration verification
- Banking verification
- Address verification
- Ownership verification
- Electronic identity verification
- Knowledge-based authentication
- Third-party verification services
We reserve the right to decline service if identity cannot be reasonably verified.
14. Fraud Prevention
Universal Business Loans maintains fraud prevention procedures designed to protect applicants and lending partners.
We reserve the right to investigate any application that appears to contain inaccurate, inconsistent, suspicious, altered, misleading, or fraudulent information.
Examples include but are not limited to:
- Altered bank statements
- Identity theft
- Misrepresentation of revenue
- Fictitious businesses
- Forged documentation
- Unauthorized applications
- Misrepresented ownership
- False banking information
Where permitted by law, suspicious activity may be reported to financial institutions, law enforcement agencies, regulatory authorities, fraud prevention organizations, or other appropriate entities.
15. Credit Authorization
By submitting an application, you expressly authorize Universal Business Loans and its lending partners to:
- Review your business information.
- Verify information provided in your application.
- Obtain business credit reports where permitted.
- Obtain consumer credit reports when authorized and legally permissible.
- Verify banking information.
- Verify business ownership.
- Verify public records.
- Verify licensing information.
- Contact references or business contacts you provide.
- Request additional documentation necessary to evaluate financing opportunities.
Certain lenders may conduct a soft credit inquiry during the prequalification process. If a hard credit inquiry becomes necessary, the lender will generally provide any required disclosures before proceeding.
16. Bank Verification
You authorize Universal Business Loans and participating lenders to verify your business banking information using documentation you provide or authorized third-party verification services.
Verification may include confirmation of:
- Account ownership
- Deposit history
- Average balances
- Banking activity
- Account status
Bank verification helps reduce fraud and assists lenders in evaluating financing opportunities.
17. No Obligation to Provide Financing
Submission of an application does not obligate Universal Business Loans or any lender to:
- Approve financing
- Continue processing your application
- Make an offer
- Provide a specific product
- Extend any financing
Likewise, receiving a financing offer does not obligate you to accept it.
18. Customer Responsibilities
You agree to:
- Provide accurate information.
- Cooperate with reasonable verification requests.
- Submit requested documents promptly.
- Maintain lawful business operations.
- Notify us of material changes affecting your application.
- Keep your contact information current.
- Protect the confidentiality of your account credentials.
Failure to satisfy these responsibilities may delay or terminate your financing review.
19. Prohibited Activities
You agree not to:
- Submit false information.
- Use another person's identity.
- Attempt to interfere with website security.
- Upload malicious software.
- Attempt unauthorized access.
- Reverse engineer website functionality.
- Scrape or harvest website data without permission.
- Misrepresent your business.
- Use automated systems to submit fraudulent applications.
- Engage in activities that violate applicable laws.
Universal Business Loans reserves the right to suspend or permanently terminate access for violations of these Terms.
20. Account Security
If any portion of the Services requires login credentials, you are responsible for maintaining the confidentiality of your username, password, and account information.
You agree to notify Universal Business Loans immediately if you suspect:
- Unauthorized access
- Password compromise
- Fraudulent activity
- Identity theft
- Unauthorized use of your account
Universal Business Loans is not responsible for losses resulting from your failure to safeguard account credentials.
21. Communication During the Application Process
To efficiently process your request, Universal Business Loans may contact you through the communication methods you provide, including:
- Telephone
- SMS/text message
- Live chat
- Secure customer portal
- Postal mail
These communications may relate to:
- Application updates
- Requests for documentation
- Identity verification
- Funding offers
- Status notifications
- Customer service
- Account maintenance
Communication preferences and marketing communications are further described in our Privacy Policy and separate SMS Terms & Conditions.
22. Electronic Communications (E-SIGN Consent)
By using our Services, submitting an application, or communicating with Universal Business Loans electronically, you consent to receive electronic communications from us, our authorized service providers, and participating lending partners, where applicable.
Electronic communications may include:
- Application confirmations
- Funding updates
- Requests for documentation
- Approval or decline notifications
- Agreements and disclosures
- Payment information
- Account notifications
- Customer service communications
- Security alerts
- Legal notices
You agree that electronic records and electronic signatures have the same legal effect as paper documents and handwritten signatures, to the extent permitted by applicable law. You are responsible for maintaining a valid email address and ensuring that you can receive electronic communications.
23. SMS and Text Messaging Communications
By voluntarily providing your mobile telephone number, you expressly consent to receive text messages from Universal Business Loans regarding your inquiry, financing request, account, customer service, appointment reminders, application status, funding updates, and, where you have separately consented, promotional and marketing communications.
Message frequency varies. Message and data rates may apply based on your wireless carrier and mobile plan.
Consent to receive marketing text messages is not a condition of purchasing any product or service or obtaining financing.
You may opt out of marketing text messages at any time by replying STOP to any SMS message. After opting out, you may receive one final confirmation message. To receive assistance, reply HELP or contact our customer support team.
Operational, transactional, or legally required messages related to an active application or account may still be sent where permitted by applicable law.
Universal Business Loans is not responsible for delayed or undelivered text messages caused by wireless carriers, network outages, or circumstances beyond our reasonable control.
24. Email Communications
By providing your email address, you consent to receive electronic communications relating to your relationship with Universal Business Loans.
These communications may include:
- Application updates
- Requests for documentation
- Financing offers
- Educational resources
- Customer service responses
- Security notifications
- Account communications
- Legal notices
If you separately subscribe to marketing emails, you may unsubscribe at any time by using the unsubscribe link contained within the email or by contacting us directly.
Even after unsubscribing from promotional communications, we may continue sending transactional or legally required communications regarding your application or account.
25. WhatsApp Communications
If you voluntarily initiate communication with Universal Business Loans through WhatsApp or expressly consent to communicate through WhatsApp, you authorize us to respond using that platform.
WhatsApp communications may include:
- Customer support
- Application assistance
- Requests for documentation
- Status updates
- Appointment scheduling
- General business communications
WhatsApp is operated by a third party and is subject to its own terms, privacy policies, and security practices.
Universal Business Loans cannot guarantee the security or availability of third-party messaging platforms and encourages customers not to transmit highly sensitive financial information through unsecured messaging services unless specifically requested through secure procedures.
26. Artificial Intelligence and Automated Services
Universal Business Loans may utilize artificial intelligence, automated chat technology, automated workflows, customer relationship management systems, and other automated technologies to improve customer service and application processing.
Automated systems may assist with:
- Answering frequently asked questions
- Collecting application information
- Scheduling appointments
- Routing inquiries
- Providing educational information
- Sending reminders
- Tracking application status
Automated responses are provided for convenience and informational purposes and should not be interpreted as financing approvals, underwriting decisions, legal advice, or contractual commitments.
27. Call Recording and Quality Assurance
To improve customer service, maintain quality standards, train employees, document transactions, and comply with applicable laws, telephone calls and electronic communications may be monitored or recorded.
By communicating with Universal Business Loans where recording notifications are provided or otherwise permitted by applicable law, you acknowledge and consent to such monitoring and recording.
Recordings may be retained for quality assurance, dispute resolution, fraud prevention, regulatory compliance, and business purposes.
28. Intellectual Property Rights
All content available through the Universal Business Loans website is the exclusive property of Universal Business Loans or its licensors unless otherwise indicated.
Protected content includes, but is not limited to:
- Logos
- Trademarks
- Service marks
- Trade dress
- Website design
- Graphics
- Icons
- Images
- Videos
- Audio
- Written content
- Blog articles
- Knowledge base articles
- FAQs
- Downloadable resources
- Software
- Databases
- Source code
- Proprietary tools
Nothing contained within the Services grants any license or ownership rights except the limited right to access and use the website for lawful business purposes.
29. Limited License
Universal Business Loans grants users a limited, non-exclusive, non-transferable, revocable license to access and use the website solely for legitimate business purposes.
You may not:
- Copy website content for commercial purposes.
- Republish articles without written permission.
- Modify copyrighted materials.
- Sell or distribute website content.
- Reverse engineer website functionality.
- Create derivative works.
- Use automated scraping tools without authorization.
- Remove copyright notices.
- Frame or mirror portions of the website.
Unauthorized use may result in legal action.
30. Third-Party Websites and Services
The Services may contain links to third-party websites, applications, financial institutions, lenders, payment providers, or service providers. These links are provided solely for convenience.
Universal Business Loans does not control, endorse, or guarantee the content, security, products, services, availability, or privacy practices of third-party websites. Your interactions with third parties are governed by their respective terms and privacy policies.
31. Website Accuracy
Universal Business Loans strives to provide accurate and current information. However, we do not warrant that all information on the website is:
- Complete
- Accurate
- Current
- Error-free
- Uninterrupted
- Suitable for every business
Information may change without notice. Users should independently verify information before making financial or business decisions.
32. No Professional Advice
The information provided on this website is intended solely for educational and informational purposes. Nothing contained on this website constitutes:
- Legal advice
- Tax advice
- Accounting advice
- Financial planning advice
- Investment advice
- Lending advice
- Regulatory advice
You should consult qualified professionals before making legal, financial, tax, accounting, or business decisions.
33. No Warranty
The Services are provided on an "AS IS" and "AS AVAILABLE" basis.
To the fullest extent permitted by law, Universal Business Loans disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to:
- Merchantability
- Fitness for a particular purpose
- Non-infringement
- Availability
- Accuracy
- Reliability
- Security
- Performance
We do not guarantee that the website will operate without interruption, be free from viruses, or remain continuously available.
34. Limitation of Liability
To the fullest extent permitted by applicable law, Universal Business Loans, its affiliates, subsidiaries, officers, directors, employees, contractors, agents, licensors, service providers, and lending partners shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising from or relating to:
- Your use of or inability to use the Services.
- Financing decisions made by third-party lenders.
- Loan approvals or denials.
- Interest rates, factor rates, fees, or repayment terms offered by lenders.
- Delays in underwriting or funding.
- Lost business opportunities.
- Lost profits.
- Loss of revenue.
- Business interruption.
- Data loss.
- Unauthorized access to your information resulting from events beyond our reasonable control.
- Technical errors, website outages, or system failures.
- Third-party software, websites, or service providers.
Universal Business Loans does not guarantee that financing will be available or that any lender will approve your application. In jurisdictions where limitations of liability are restricted, liability shall be limited to the maximum extent permitted by applicable law.
35. No Liability for Third-Party Decisions
Universal Business Loans does not make underwriting decisions on behalf of independent lenders. Accordingly, Universal Business Loans is not responsible for:
- Loan denials.
- Counteroffers.
- Funding amounts.
- Pricing.
- Repayment schedules.
- Renewal decisions.
- Collections practices.
- Servicing activities.
- Modifications of financing agreements.
Those decisions remain solely within the discretion of the applicable financing provider.
36. User Assumption of Risk
You acknowledge that commercial financing involves business risk. You assume sole responsibility for:
- Evaluating financing offers.
- Determining affordability.
- Reviewing repayment obligations.
- Consulting legal, accounting, or tax professionals when appropriate.
- Making business decisions based upon your own independent judgment.
Universal Business Loans does not guarantee that any financing product is appropriate for your specific circumstances.
37. Indemnification
You agree to defend, indemnify, and hold harmless Universal Business Loans, its officers, directors, employees, contractors, affiliates, successors, assigns, service providers, and lending partners from and against any claims, liabilities, damages, judgments, settlements, penalties, losses, costs, expenses, or attorneys' fees arising out of or relating to:
- Your violation of these Terms.
- False or misleading information submitted by you.
- Fraudulent activity.
- Misuse of the Services.
- Violation of applicable law.
- Infringement of intellectual property rights.
- Unauthorized use of another person's identity or information.
- Disputes arising from financing agreements entered into with third-party lenders.
This indemnification obligation survives termination of these Terms.
38. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles, unless otherwise required by applicable law. Your use of the Services is also subject to all applicable federal, state, and local laws and regulations.
39. Venue
Unless otherwise required by law or modified by an enforceable arbitration agreement, any legal action arising from these Terms shall be brought in a court of competent jurisdiction located within the State of Florida. Each party consents to the personal jurisdiction of such courts.
40. Dispute Resolution
Universal Business Loans values customer satisfaction and encourages users to contact us directly before initiating formal legal proceedings. Most concerns can be resolved promptly through our customer support team.
Before filing any lawsuit, both parties agree to make reasonable efforts to resolve disputes informally. Nothing in this section limits either party's right to seek emergency equitable relief where permitted by law.
41. Arbitration
If included, you and Universal Business Loans agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by a recognized arbitration provider under its applicable commercial arbitration rules.
The arbitrator shall have exclusive authority to resolve disputes concerning the interpretation, applicability, enforceability, or formation of this arbitration provision. Judgment upon the arbitration award may be entered in any court having jurisdiction. Nothing herein prevents either party from seeking temporary or preliminary injunctive relief when necessary to protect rights pending arbitration.
42. Class Action Waiver
To the fullest extent permitted by law, disputes shall be resolved solely on an individual basis. Neither you nor Universal Business Loans shall participate in any class action, collective action, consolidated action, representative action, or private attorney general action relating to the Services or these Terms unless prohibited by applicable law.
43. Force Majeure
Universal Business Loans shall not be liable for delays or failures in performance resulting from events beyond our reasonable control, including but not limited to:
- Natural disasters
- Hurricanes
- Floods
- Fires
- Tornadoes
- Earthquakes
- Acts of God
- Epidemics
- Pandemics
- Labor disputes
- Utility failures
- Internet outages
- Cybersecurity incidents
- Government actions
- War
- Terrorism
- Civil unrest
- Supply chain disruptions
- Banking system interruptions
- Telecommunications failures
- Failures of third-party providers
During such events, our obligations may be suspended for the duration of the disruption.
44. Limitation Period
To the extent permitted by applicable law, any claim arising from or relating to these Terms or the Services must be brought within one (1) year after the claim arose. Claims brought after that period may be barred unless a longer period is required by law.
45. Survival
The following provisions survive the termination or expiration of these Terms:
- Intellectual Property
- Disclaimers
- Limitation of Liability
- Indemnification
- Governing Law
- Dispute Resolution
- Arbitration (if applicable)
- Privacy obligations
- Payment obligations
- Any provision that by its nature should survive termination.
46. Privacy Policy
Your use of the Services is also governed by the Universal Business Loans Privacy Policy, which describes how we collect, use, disclose, store, and protect personal and business information.
By using the Services, you acknowledge that you have read and understand our Privacy Policy. If any provision of these Terms conflicts with the Privacy Policy regarding the handling of personal information, the Privacy Policy will control with respect to those privacy practices.
47. Cookies and Tracking Technologies
Universal Business Loans may use cookies, web beacons, pixels, session storage, local storage, analytics tools, advertising technologies, and similar tracking technologies to:
- Improve website functionality.
- Remember user preferences.
- Analyze website traffic.
- Measure advertising performance.
- Prevent fraud.
- Enhance security.
- Improve customer experience.
- Personalize website content.
Your use of the website constitutes acknowledgment that these technologies may be used as described in our Privacy Policy and Cookie Policy.
48. Copyright Notice
All website content is protected by United States and international copyright laws. Unless otherwise expressly stated, all rights are reserved. Unauthorized copying, reproduction, republication, modification, distribution, display, transmission, or commercial exploitation of website materials is prohibited without prior written permission from Universal Business Loans.
49. Trademark Notice
"Universal Business Loans," our logos, branding, slogans, graphics, and other identifying marks are trademarks, service marks, trade names, or other proprietary identifiers owned by Universal Business Loans or used under license.
Nothing contained within these Terms grants any license to use our trademarks without prior written authorization.
50. Copyright Infringement (DMCA)
Universal Business Loans respects the intellectual property rights of others. If you believe copyrighted material available through our Services infringes your copyright, please submit a written notice that includes:
- Identification of the copyrighted work claimed to have been infringed.
- Identification of the allegedly infringing material.
- Your contact information.
- A statement of good-faith belief that the use is unauthorized.
- A statement made under penalty of perjury that the information provided is accurate and that you are authorized to act on behalf of the copyright owner.
- Your physical or electronic signature.
Upon receipt of a valid notice, Universal Business Loans will investigate the claim and take appropriate action consistent with applicable law.
51. Export Compliance
You agree not to use the Services in violation of United States export control laws, economic sanctions, or other applicable trade restrictions.
52. Assignment
You may not assign, transfer, delegate, or otherwise convey any rights or obligations under these Terms without our prior written consent.
Universal Business Loans may assign or transfer these Terms in connection with a merger, acquisition, sale of assets, corporate reorganization, financing transaction, or by operation of law.
53. Severability
If any provision of these Terms is determined to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be interpreted or modified to the minimum extent necessary to make it enforceable while preserving its original intent whenever legally permissible.
54. No Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative of Universal Business Loans.
55. Relationship of the Parties
Nothing contained in these Terms creates any partnership, joint venture, agency, fiduciary relationship, employment relationship, or franchise relationship between you and Universal Business Loans. Each party remains an independent entity.
56. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, E-SIGN Consent Agreement, SMS Terms & Conditions, Website Disclaimer, and any other policies expressly incorporated by reference, constitute the entire agreement between you and Universal Business Loans regarding your use of the Services.
They supersede all prior or contemporaneous communications, representations, understandings, or agreements relating to the Services.
57. Electronic Acceptance
By accessing the website, submitting information, clicking any button indicating acceptance, checking an acknowledgment box, signing electronically, or otherwise using the Services, you acknowledge that:
- You have read these Terms.
- You understand these Terms.
- You agree to be legally bound by these Terms.
- Your electronic acceptance has the same force and effect as a handwritten signature to the extent permitted by applicable law.
58. Contact Information
If you have questions regarding these Terms and Conditions or our Services, you may contact us using the contact information provided on the Universal Business Loans website. You may also contact us through:
- Our online contact form
- Customer service telephone number
- Customer support email address
- Mailing address listed on our website
Please refer to the Contact page for the most current contact information.
59. Regulatory Compliance
Universal Business Loans strives to operate in accordance with applicable federal, state, and local laws governing commercial financing, privacy, electronic communications, consumer protection (where applicable), and data security.
Nothing contained in these Terms shall be interpreted as limiting any rights that cannot legally be waived under applicable law.
60. Effective Date
These Terms and Conditions are effective as of the Effective Date listed at the beginning of this document and remain in effect until modified or replaced by Universal Business Loans. Continued use of the Services after any updated version becomes effective constitutes acceptance of the revised Terms.
Acknowledgment
By using the Universal Business Loans website or Services, you acknowledge that you have carefully read these Terms and Conditions, understand them, and agree to be bound by them. If you do not agree to these Terms, you should discontinue use of the Services.
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