Terms of Use

Welcome to our website. These Terms of Use (“Terms”) serve as a binding agreement between you (“User,” “you,” or “your”) and Effective Funding (“Company,” “we,” “our,” or “us”) and govern your access to and use of our website and any associated services, features, portals, or tools (collectively, the “Site”).

By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws. If you do not agree, please do not use the Site.

1. Use of the Site

You may access and use the Site solely for lawful purposes related to exploring or using our services. Any unauthorized use—including but not limited to modifying, distributing, or selling content or data from this Site—is strictly prohibited.

You agree not to misuse the Site in any way that could damage, disable, overburden, or impair it or interfere with any other party’s use. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2. User Eligibility & Information

To use certain parts of our Site or request services, you may be required to provide personal and business information, including financial data. By doing so, you warrant that:

  1. You are at least 18 years of age.
  2. All information submitted is true, complete, and up to date.
  3. You are authorized to provide this information and grant us the right to use it in accordance with our Privacy Policy.

We reserve the right to verify any information you provide and to deny or suspend access if the information is found to be false or misleading.

3. Modifications to Terms

We may update these Terms from time to time without prior notice. Revisions will be effective upon posting on this page with an updated effective date. Your continued use of the Site constitutes your acceptance of the revised Terms.

4. Intellectual Property

All content on the Site—including but not limited to graphics, design, text, software, logos, and images—is owned or licensed by us and protected by intellectual property laws. You may not copy, reproduce, republish, or create derivative works from any content without our prior written consent.

5. Third-Party Links and Software

This Site may contain links to third-party websites or software tools provided for your convenience. We are not responsible for the availability, accuracy, or content of these external sites. Use of such links is at your own risk and subject to the terms of those third-party platforms.

6. Disclaimers

The information and services provided through the Site are offered “as is” and “as available” without warranties of any kind, express or implied. We do not guarantee that the Site will be uninterrupted, error-free, or secure, nor do we warrant the accuracy or reliability of any content.

You agree that your use of the Site is at your own risk and that we are not liable for any loss or damage resulting from your reliance on information from the Site.

7. Limitation of Liability

Under no circumstances shall we or our affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use—or inability to use—the Site, even if we were advised of the possibility of such damages.

This includes, but is not limited to, damages for lost profits, lost data, or service interruptions.

8. Privacy

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the Site, you consent to the practices outlined in the Privacy Policy.

9. Security

While we implement appropriate safeguards to protect your data, no method of electronic transmission is 100% secure. We do not guarantee the security of any information you transmit and you do so at your own risk.

In the event of a data breach involving your personal information, we will notify you in accordance with applicable laws.

10. Consent to Electronic Communication

By using our Site, you agree to receive communications from us electronically, including through email, SMS, or via the Site itself. You agree that all notices, disclosures, and other communications we provide electronically meet any legal requirement that such communications be in writing.

11. Consent to Contact

You expressly consent to receive calls, text messages, and other communications—including those made using automated technology—at the telephone numbers you provide. These communications may include informational, servicing, or transactional content.

Standard message and data rates may apply depending on your mobile carrier.

12. Jurisdiction & Governing Law

These Terms shall be governed and interpreted in accordance with the laws of the State of Florida, without regard to conflict of laws principles.

Any disputes arising under these Terms shall be resolved in the courts located in Florida, unless we elect arbitration as described below.

13. Dispute Resolution

We may, at our sole discretion, require that any dispute arising from or related to your use of the Site be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Florida, and judgment upon the award may be entered in any court with proper jurisdiction.

14. Indemnification

You agree to defend, indemnify, and hold harmless our company, affiliates, officers, employees, and agents from any claims, damages, obligations, or expenses (including attorney’s fees) arising from your use of the Site, violation of these Terms, or any infringement by you or a third party using your account.

15. Site Availability

We make no guarantees that the Site will be available at all times. Service may be interrupted, suspended, or terminated without notice due to maintenance, updates, or technical issues. We are not liable for any loss or inconvenience caused by such interruptions.

16. Miscellaneous

These Terms represent the entire agreement between you and the Company regarding your use of the Site. If any part of these Terms is deemed invalid, the remainder will continue in full force and effect.

No waiver of any provision shall be deemed a further or continuing waiver of such term or any other term. Headings are for convenience only and have no legal effect.

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