Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of [WEBSITE URL] (the “Site”), operated by [LEGAL ENTITY NAME] (“OnTap Lending,” “we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Our role & no offer to lend

OnTap Lending operates as a [ENTITY ROLE: direct lender / lending marketplace / loan broker]. Information on the Site is for general informational purposes only and is not an offer, commitment, or guarantee to provide financing. All funding is subject to application, verification, underwriting, and approval. Rates, fees, amounts, and terms vary by product, qualification, and funding source, and are disclosed before you enter into any agreement.

No guarantee of approval

Meeting any stated guidelines or minimum criteria does not guarantee approval. Products and availability may be limited by state, industry, and other factors. Any examples on the Site are illustrative only and do not represent actual or promised outcomes.

Credit inquiries

Checking your options begins with a soft inquiry, which does not affect your credit score. If you choose to proceed with a specific offer, finalizing funding may require a hard credit inquiry and supporting documentation, which we will disclose beforehand.

Eligibility

You represent that you are at least 18 years old, are authorized to act on behalf of the business you inquire about, and that the information you provide is accurate and complete.

Communications consent

By contacting us or booking a call, you agree that we may communicate with you about your request by email, phone, or text using the contact details you provide. [Insert your specific TCPA / messaging consent language, message-frequency, “message and data rates may apply,” and opt-out instructions.]

Acceptable use

You agree not to misuse the Site, including by attempting to access it unlawfully, interfering with its operation, submitting false information, or infringing the rights of others.

Intellectual property

The Site and its content, including text, graphics, logos, and the OnTap Lending™ name and marks, are owned by [LEGAL ENTITY NAME] or its licensors and are protected by applicable law. You may not copy or reuse them without permission.

Third-party links & services

The Site may link to third-party websites or tools, including our scheduling provider, [SCHEDULING PROVIDER, e.g. Calendly]. We are not responsible for the content or practices of third parties, and your use of those services is governed by their own terms and policies.

Disclaimers

The Site is provided “as is” and “as available” without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Site will be uninterrupted, error-free, or that information is complete or current.

Limitation of liability

To the maximum extent permitted by law, OnTap Lending and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. [Have counsel tailor this limitation-of-liability and any indemnification language to your entity and jurisdiction.]

Governing law & disputes

These Terms are governed by the laws of [GOVERNING LAW STATE], without regard to conflict-of-law rules. [Insert your dispute-resolution terms — venue, arbitration, and class-action waiver if applicable — as reviewed by counsel.]

Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

Contact

[LEGAL ENTITY NAME]
[BUSINESS MAILING ADDRESS]
Email: support@ontaplending.com
Phone: [BUSINESS PHONE]