Welcome to J&V Brands Inc. These Terms of Service ("Terms") govern your access to and use of our website, services, and funding products. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.
1. Acceptance of Terms
By accessing or using the J&V Brands Inc website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time, and your continued use of our services constitutes acceptance of any changes.
2. Eligibility
Our services are intended for businesses and individuals who are at least 18 years of age and have the legal authority to enter into binding contracts. By using our services, you represent and warrant that:
- You are at least 18 years old
- You have the authority to bind your business to these Terms
- All information you provide is accurate and truthful
- You will comply with all applicable laws and regulations
3. Our Services
J&V Brands Inc is a direct business lender providing funding solutions including:
- Working Capital Loans
- Revenue-Based Financing
- Business Funding
- Short-Term Financing
We fund directly from our own capital and do not act as a broker or intermediary. All funding decisions are made at our sole discretion based on our underwriting criteria.
4. Application Process
Submission of Information
When you submit a funding application or inquiry, you agree to provide accurate, complete, and current information about your business. You authorize us to verify the information you provide and to obtain additional information from third parties, including credit bureaus and financial institutions.
No Guarantee of Approval
Submission of an application does not guarantee approval or funding. We reserve the right to approve or deny any application at our sole discretion. We are not obligated to provide reasons for any denial.
Application Review
We will review your application using our proprietary underwriting criteria. Review times may vary depending on the complexity of your application and the completeness of the information provided.
5. SMS Terms & Conditions
Important: If you provide your mobile phone number and consent to receive text messages, the following terms apply to our SMS communications.
Consent to Receive Text Messages
By providing your mobile phone number and checking the SMS consent box on our contact form, you expressly consent to receive text messages from J&V Brands Inc. These messages may be sent using an automatic telephone dialing system (auto-dialer) and may include:
- Application status updates and notifications
- Important account-related messages
- Funding opportunities and promotional offers
- Service announcements and reminders
Message Frequency
You may receive up to 5 text messages per week. Message frequency may vary depending on your application status and account activity. Message and data rates may apply based on your mobile carrier's plan.
Your consent to receive text messages is NOT required as a condition of purchasing any goods or services from J&V Brands Inc. You may decline to receive text messages and still access all of our funding services and support.
Automatic Telephone Dialing System
You acknowledge and agree that J&V Brands Inc may use an automatic telephone dialing system to send text messages to the mobile phone number you provide. By consenting to receive text messages, you understand that your mobile carrier may charge you for incoming messages according to your plan.
Opt-Out and Unsubscribe
You may opt out of receiving text messages from us at any time, free of charge, by:
- Texting STOP to any message you receive from us. You will receive one final confirmation message that you have been unsubscribed.
- Contacting us at victo@jv-brands.com with your opt-out request.
After you opt out, you will no longer receive text messages from us unless you re-subscribe by providing your consent again.
Help and Customer Support
If you need assistance with our text messaging service or have questions:
- Text HELP to any message you receive from us for automated assistance.
- Email us at victo@jv-brands.com for personalized support.
Carrier Compatibility and Charges
Our text messaging service is available on all major U.S. mobile carriers. Message and data rates may apply according to your carrier's plan. Please contact your mobile carrier for information about your plan and potential charges.
Changes to SMS Service
We reserve the right to modify or discontinue our text messaging service at any time without prior notice. We are not liable for any modification, suspension, or discontinuation of the service.
6. Use of Website
Permitted Use
You may use our website for lawful purposes only. You agree not to:
- Violate any applicable laws or regulations
- Infringe on the intellectual property rights of others
- Transmit any harmful code, viruses, or malicious software
- Attempt to gain unauthorized access to our systems
- Interfere with the operation of our website
- Use our website for fraudulent purposes
Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of J&V Brands Inc and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
7. Funding Terms
If your application is approved, you will receive a funding agreement outlining the specific terms of your funding, including:
- Funding amount
- Repayment terms and schedule
- Fees and charges
- Default provisions
The funding agreement will constitute a separate contract between you and J&V Brands Inc. You should carefully review all terms before accepting any funding offer.
8. Fees and Charges
We do not charge application fees. Any fees associated with funding will be clearly disclosed in your funding agreement before you accept the offer. You are responsible for all fees and charges as outlined in your funding agreement.
9. Privacy and Data Security
We take your privacy seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using our services, you consent to our data practices as described in the Privacy Policy.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. We encourage you to review the terms and policies of any third-party websites you visit.
11. Disclaimers
No Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components.
No Financial Advice
Information provided on our website is for general informational purposes only and does not constitute financial, legal, or professional advice. You should consult with qualified professionals before making any business or financial decisions.
12. Limitation of Liability
To the fullest extent permitted by law, J&V Brands Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to 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, defend, and hold harmless J&V Brands Inc, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of your use of our services, violation of these Terms, or infringement of any third-party rights.
14. Termination
We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, with or without notice. Upon termination, all provisions of these Terms that by their nature should survive termination shall survive.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in Brooklyn, New York.
16. Dispute Resolution
In the event of any dispute arising out of or relating to these Terms or our services, the parties agree to first attempt to resolve the dispute through good faith negotiations. If the dispute cannot be resolved through negotiations, it may be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.
18. Entire Agreement
These Terms, together with our Privacy Policy and any funding agreement you enter into with us, constitute the entire agreement between you and J&V Brands Inc regarding your use of our services and supersede all prior agreements and understandings.
19. Contact Information
If you have any questions about these Terms of Service, please contact us:
J&V Brands Inc
1815 East 12 Street
Brooklyn, NY 11229
Email: victo@jv-brands.com
Summary of Key SMS Terms:
- Consent is NOT required as a condition of purchase
- We may use an automatic telephone dialing system
- Text STOP to opt out at any time | Text HELP for assistance
- Message and data rates may apply
- Up to 5 messages per week
- Service available on all major U.S. carriers
By using our services, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.