These Terms and Conditions ("Terms") govern your use of the GRANTED ANGELS INC website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.
1. Acceptance of Terms
By submitting a funding application, contacting us, or using any of our services, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy.
2. Services Provided
GRANTED ANGELS INC is a direct business lender offering various funding solutions including but not limited to:
- Small business loans
- Expansion capital
- Equipment financing
- Revenue-based financing
- Working capital lines of credit
All funding is subject to approval based on our underwriting criteria. We reserve the right to approve, decline, or request additional information for any application.
3. Eligibility Requirements
To be eligible for our services, you must:
- Be at least 18 years of age and legally authorized to enter into contracts
- Own or operate a legitimate business entity
- Provide accurate and complete information in your application
- Have the legal authority to bind your business to loan agreements
4. Application and Underwriting Process
When you submit a funding request, we will review your application and may request additional documentation including but not limited to:
- Business financial statements and tax returns
- Bank statements
- Business licenses and registration documents
- Personal and business credit reports
- Identification verification documents
You authorize us to obtain and review your credit reports and verify information provided in your application.
5. Loan Terms and Conditions
If approved for funding, the specific terms of your loan (including interest rate, repayment schedule, fees, and collateral requirements) will be outlined in a separate loan agreement. You must review and sign this agreement before funds are disbursed.
Key loan terms include:
- Interest Rates: Determined based on creditworthiness, loan amount, and term
- Repayment: Scheduled payments (daily, weekly, or monthly) as specified in your agreement
- Fees: Origination fees, late payment fees, and other charges as disclosed
- Prepayment: Early repayment is generally allowed without penalty (confirm in your loan agreement)
6. Your Responsibilities
As a borrower, you agree to:
- Provide truthful, accurate, and complete information
- Make all payments on time according to your loan agreement
- Notify us immediately of any changes to your contact information or business status
- Use loan funds for legitimate business purposes
- Maintain adequate insurance and comply with all applicable laws
7. Default and Collections
Failure to make payments as agreed constitutes default. In the event of default, we may:
- Report delinquency to credit bureaus
- Charge late fees and collection costs
- Accelerate the full loan balance (making it immediately due)
- Engage third-party collection agencies
- Pursue legal action to recover amounts owed
- Exercise rights to any collateral pledged
8. Website Use
You agree to use our website only for lawful purposes and in compliance with these Terms. You may not:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems or data
- Transmit viruses, malware, or other harmful code
- Interfere with or disrupt the website's functionality
- Scrape, copy, or reproduce website content without permission
9. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of GRANTED ANGELS INC and protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
10. SMS Terms & Conditions
If you opt in to receive SMS or text messages from GRANTED ANGELS INC, the following terms apply:
Consent and Enrollment
By providing your mobile phone number and opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from GRANTED ANGELS INC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency
Message frequency varies; you may receive up to 4 messages per month. The actual number of messages may fluctuate based on your account activity and promotional campaigns.
Message and Data Rates
Message and data rates may apply depending on your mobile carrier and plan. Please check with your carrier for details on your messaging plan.
Supported Carriers
Our SMS program is supported by major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carrier availability may vary.
Opt-Out / Unsubscribe
You may opt out of SMS messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a confirmation message and you will no longer receive messages from us. If you wish to rejoin, reply START or contact us to opt back in.
Help and Support
For help or more information, reply HELP to any message or contact us at brandy@grantedangels.com.
Consent Not Required for Purchase
Consent to receive SMS messages is NOT a condition of purchase or use of our services. You may contact us and conduct business via email or other methods without subscribing to text messages.
Privacy and Data Use
We respect your privacy. Your mobile number and opt-in information will only be used to send you the messages you have agreed to receive. We will not share your mobile information with third parties for their marketing purposes. For full details, please review our Privacy Policy.
Changes to SMS Program
We reserve the right to modify or discontinue our SMS program at any time. We will notify subscribers of any material changes via text message or email.
11. Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee:
- That the website will be error-free or uninterrupted
- That defects will be corrected
- That the website is free of viruses or other harmful components
- The accuracy or completeness of information provided
12. Limitation of Liability
To the fullest extent permitted by law, GRANTED ANGELS INC shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website or services, even if we have been advised of the possibility of such damages.
13. Indemnification
You agree to indemnify and hold harmless GRANTED ANGELS INC, its officers, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising out of your use of our services or violation of these Terms.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms or our services shall be resolved through binding arbitration in Marianna, Florida, except where prohibited by law.
15. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy and any loan agreements you enter into, constitute the entire agreement between you and GRANTED ANGELS INC regarding your use of our services.
18. Contact Information
If you have questions about these Terms, please contact us:
GRANTED ANGELS INC
2860 Hwy 71 N Ste B
Marianna, FL 32446
Email: brandy@grantedangels.com
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.