Terms of Service

1. Acceptance of Terms

By accessing or using OfferFlow MCA (“the Platform”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Platform.

2. Description of Service

OfferFlow MCA is a technology platform for MCA brokers. It includes branded application intake, AI statement scrubbing, interactive offer pages, e-sign acceptance, document collection, and automated follow-up. We do not underwrite, fund, or broker deals. You are responsible for your own lending decisions, compliance, and merchant relationships.

3. Account & User Responsibilities

• You must provide accurate information when creating an account.
• You are responsible for maintaining the confidentiality of your login credentials.
• You must obtain proper consent before submitting merchant or partner data.
• You may not use the Platform for unlawful, fraudulent, or abusive purposes.
• You are responsible for compliance with all applicable laws and regulations.

4. Subscription & Billing

OfferFlow MCA is offered on a subscription basis. Fees are billed monthly through our payment processor. By subscribing, you authorize us to charge your payment method on each billing cycle. Prices and plan limits are displayed at signup and in your billing settings.

5. Cancellation & No Refunds

You may cancel your subscription at any time from your billing settings. Cancellation stops future renewals; you retain full access through the end of your current paid period. After the paid period ends, your account enters a limited-access state for 7 days, then becomes disabled. Reactivation requires starting a new subscription.

All fees are non-refundable. We do not provide refunds for partial months, unused files, or downgrades.

6. Platform Limitations

• We do not guarantee funding approval, merchant acceptance, or deal closing.
• AI statement analysis is for informational purposes and does not replace underwriting judgment.
• Email deliverability depends on recipient servers and spam filters; we do not guarantee inbox placement.
• The Platform may experience downtime for maintenance or unforeseen issues.

7. Intellectual Property

All software, designs, trademarks, and content provided by OfferFlow MCA are our property or licensed to us. You receive a limited, non-exclusive, non-transferable license to use the Platform during your active subscription. You retain ownership of your data and content.

8. Data & Security

We implement reasonable security measures to protect your data. However, no system is completely secure. You acknowledge that you transmit and store data at your own risk. You are responsible for ensuring your own devices and networks are secure.

9. Termination

We may suspend or terminate your account if you violate these terms, engage in fraud, or create legal risk. We may also terminate accounts that remain inactive or unpaid after the grace period.

10. Limitation of Liability

To the fullest extent permitted by law, OfferFlow MCA and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform. Our total liability is limited to the amount you paid in the 12 months preceding the claim.

11. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Disputes will be resolved in the courts of Delaware or through binding arbitration at our discretion.

12. Changes to Terms

We may modify these Terms at any time. Material changes will be posted on the Platform or sent via email. Continued use after changes constitutes acceptance.

13. Contact

Questions about these Terms? Contact us at support@offerflowmca.com.