Effective Date: January 1, 2024 | Last Updated: January 1, 2024
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and FAKSJO INC ("Company," "we," "us," or "our"). By accessing or using our website at faksjo.com, submitting an application, or otherwise interacting with our services, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, you must not access or use our website or services. We reserve the right to update these Terms at any time, and your continued use of our services after any changes constitutes your acceptance of the updated Terms.
FAKSJO INC is a direct business lender offering financial products and services to qualifying businesses in the United States, including but not limited to:
All funding decisions are made at the sole discretion of FAKSJO INC. Submitting an application does not guarantee approval or funding. Terms, rates, and available products are subject to change without notice.
To use our services and apply for funding, you represent and warrant that:
By submitting a funding application, you authorize FAKSJO INC to:
You agree that all information submitted in your application is truthful, accurate, and complete. Providing false or misleading information is grounds for immediate denial or termination of any funding agreement and may subject you to legal liability.
By opting in to receive SMS communications from FAKSJO INC, you agree to the following terms governing our text messaging program:
Program Description: FAKSJO INC operates an SMS messaging program to send recurring marketing and promotional SMS/MMS messages to opted-in users, 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. Actual message frequency will depend on your interactions with FAKSJO INC and your account status.
Message and Data Rates: Message and data rates may apply. Standard messaging rates from your mobile carrier will apply to all SMS messages sent or received. FAKSJO INC is not responsible for any charges imposed by your wireless carrier.
Opt-Out / How to Stop: Reply STOP to opt out at any time. Upon receiving your STOP message, we will send a one-time confirmation and remove you from our SMS list. You will receive no further SMS messages from FAKSJO INC unless you re-subscribe.
Help: Reply HELP for assistance. You may also contact us at jonathan@faksjo.com for support with our SMS program.
Consent is NOT a Condition of Purchase: Your consent to receive SMS/MMS messages is completely voluntary and is not required as a condition of applying for or receiving any financial products or services from FAKSJO INC. You may use our services regardless of whether you consent to receive SMS communications.
Supported Carriers: FAKSJO INC's SMS program is available on most major US wireless carriers. Carrier availability is subject to change.
Privacy: All SMS opt-in data and consent information is handled in accordance with our Privacy Policy. SMS opt-in data will not be shared with third parties for their marketing purposes.
All content on the FAKSJO INC website, including but not limited to text, graphics, logos, icons, images, and software, is the property of FAKSJO INC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. FAKSJO INC expressly disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations or warranties regarding the accuracy or completeness of any information on our website.
To the fullest extent permitted by applicable law, FAKSJO INC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, 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.
Our total cumulative liability to you for any claims arising from or related to these Terms or our services shall not exceed the amount you paid to us in the twelve months preceding the claim, or $100, whichever is greater.
You agree to indemnify, defend, and hold harmless FAKSJO INC and its officers, directors, employees, agents, and successors from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our website or services; (b) your violation of these Terms; (c) any false or inaccurate information you provide; or (d) your violation of any third-party rights.
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.
You agree not to use our website or services to:
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.
These Terms, together with our Privacy Policy and any other agreements you enter into with FAKSJO INC, constitute the entire agreement between you and FAKSJO INC regarding your use of our website and services, and supersede all prior agreements, understandings, and representations.
If you have any questions about these Terms and Conditions, please contact us:
FAKSJO INC
Email: jonathan@faksjo.com
Website: faksjo.com