These Terms of Service ("Terms") govern your access to and use of the website operated by Direct Funds HQ including https://directfundshq.com/ and any associated platforms, services, tools, or applications (collectively, the "Site").

By accessing or using the Site, you agree to comply with these Terms and all applicable laws and regulations. If you do not agree, you must discontinue use immediately.

Direct Funds HQ reserves the right to update or modify these Terms at any time. Updated Terms will be posted on this page, and changes will be effective immediately upon posting. We encourage you to review these Terms periodically.

1. LIMITATIONS OF USE

By using this Site, you represent and warrant on behalf of yourself and any entity you represent that you will NOT:

Modify, copy, create derivative works from, decompile, or reverse engineer any materials or software on the Site.
Remove copyright notices or proprietary markings from any materials.
Transfer materials to another person or "mirror" materials on another server.
Knowingly or negligently disrupt, damage, or interfere with our networks or services.
Upload, transmit, or publish any unlawful, harassing, obscene, fraudulent, or indecent material.
Violate any applicable laws or regulations while using the Site.
Use the Site for sending unauthorized advertising, marketing, or spam.
Collect or harvest user data without consent.
Use the Site in a way that infringes upon any privacy, intellectual property, or contractual rights of others.

2. SMS TERMS & CONDITIONS

Message frequency may vary depending on your interaction with Direct Funds HQ, not exceeding 10 messages per week. Messages may include updates regarding your account, financing requests, service agreements, or related activities.

Message & Data Rates May Apply:
Standard messaging and data fees may be charged by your wireless provider.

Opt-In:
Users may opt in to SMS communications by submitting a request through our website's "Contact Us" page.

Opt-Out:
You may opt out at any time by replying "STOP" to any message. After doing so, you will receive no further SMS messages from Direct Funds HQ unless you opt in again.

To understand how we collect and use your data, please review our Privacy Policy located at:
https://directfundshq.com/privacy-policy

We do not share mobile opt-in data with third parties for marketing or promotional purposes.

For assistance, reply "HELP" to any message or contact our customer support team.

3. USE OF SITE

You may use this Site only for lawful purposes. By creating an account, submitting a financing request, or using any Direct Funds HQ services, you represent and warrant that:

You are at least 18 years old.
Any information provided is accurate, current, and complete.
You will update information as necessary.
You are a business owner or authorized representative of a business operating within the United States.

Direct Funds HQ may restrict or terminate access to the Site at any time, with or without notice.

4. ACCOUNT SECURITY

You are responsible for maintaining the confidentiality of your login credentials. All activity conducted under your account is your responsibility, even if performed by someone else.

You agree not to:

Share your password with others
Attempt to access another user's account
Attempt to bypass security protections

Direct Funds HQ reserves the right to suspend or terminate accounts at its discretion.

5. OWNERSHIP, COPYRIGHTS & TRADEMARKS

All content and materials on the Site—including text, graphics, logos, code, documents, images, software, and other intellectual property—are owned by Direct Funds HQ or our licensors.

Nothing provided on the Site grants you any ownership rights or licenses unless explicitly stated.

You may not copy, reproduce, modify, distribute, or exploit any Site content without written permission.

All Direct Funds HQ trademarks, logos, service marks, and branding are the exclusive property of Direct Funds HQ LLC.

6. USER CONTENT

Any content you provide to the Site, including applications, comments, submissions, or uploads ("User Content"), becomes the property of Direct Funds HQ once submitted.

By submitting User Content, you grant Direct Funds HQ a perpetual, irrevocable, royalty-free, transferable license to use, reproduce, modify, distribute, and display such content for any lawful purpose.

You represent and warrant that:

You own or have rights to the content you submit.
Your submissions do not violate the rights of third parties.
You have obtained necessary permissions for any identifiable individuals included in User Content

Direct Funds HQ may remove or decline to post User Content at its sole discretion.

7. THIRD-PARTY CONTENT & LINKS

The Site may contain links to third-party websites or services for your convenience. Direct Funds HQ does not control, endorse, or guarantee any third-party content.

Your use of third-party websites is at your own risk. We encourage you to review their respective Terms and Privacy Policies.

8. TELEPHONE COMMUNICATIONS CONSENT

By submitting your information on the Site—including financing inquiries—you consent to receiving calls, voicemails, text messages, and prerecorded or auto-dialed communications from:

Direct Funds HQ
Its affiliates
Its third-party service providers
Referral partners
Marketplace participants

This applies even if your number is registered on federal or state Do-Not-Call lists.

Consent is NOT a condition of receiving financing or services.
You may request to stop marketing communications at any time by following provided opt-out instructions.

9. LIABILITY DISCLAIMER

The Site and all materials are provided "as is" and without warranties of any kind, express or implied. To the fullest extent permitted by law, Direct Funds HQ disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Direct Funds HQ is not liable for any:

Consequential or indirect losses
Loss of revenue, business, data, profits, or savings
Damages arising from inability to use the Site

Some jurisdictions do not allow limitations on implied warranties; in such cases, these limitations may not apply.

10. ACCURACY OF MATERIALS

Content on the Site is for general informational purposes only. Direct Funds HQ does not guarantee accuracy, completeness, or reliability of any information presented.

11. RIGHT TO TERMINATE

Direct Funds HQ may suspend or terminate your access to the Site at any time for any violation of these Terms.

12. SEVERABILITY

If any provision of these Terms is deemed unenforceable, the remaining provisions remain in full effect.

13. GOVERNING LAW

These Terms are governed by the laws of the State of New York. Any disputes shall be resolved exclusively in the state or federal courts located in New York.

TERMS OF SERVICE