6. Identity Verification, Compliance, and Monitoring

Because we operate in the financial services space, you acknowledge and agree that we may perform or require identity, fraud, and compliance checks in connection with your use of the Services.

A. Verification and Screening

We may verify your identity and/or business information through third parties or databases, including by collecting or verifying:

• name, date of birth, address, tax identification number, or government-issued identification

• business formation, ownership, and beneficial owner information

• bank account or payment method ownership

• sanctions, watchlist, politically exposed person (PEP), or adverse media screening information

• fraud indicators, device risk signals, or transaction anomalies

B. Monitoring and Review

We may monitor account activity, transactions, communications, and usage patterns to detect fraud, security incidents, suspicious activity, policy violations, or legal noncompliance.

C. Delays, Holds, Restrictions, and Denials

We may refuse, delay, freeze, hold, reverse, restrict, suspend, or decline access to the Services or a transaction if we believe it is reasonably necessary to:

• comply with law or a legal request;

• complete identity verification or enhanced due diligence;

• prevent fraud, unauthorized activity, money laundering, sanctions violations, or security incidents;

• investigate disputes, errors, or suspicious activity;

• protect the Company, users, financial partners, or third parties from risk.

We are not liable for losses arising from actions taken in good faith under this section, to the extent permitted by law.

7. User Information and Authorizations

You represent and warrant that all information you submit to us is accurate, complete, and not misleading.

If you connect financial accounts, payment methods, or third-party platforms to the Services, you represent and warrant that:

• you are authorized to access and share the information associated with those accounts;

• you authorize us and our service providers to access, retrieve, use, and process the relevant information as necessary to provide the Services;

• you will comply with any third-party terms applicable to those accounts or platforms.

You acknowledge that third-party institutions and service providers may impose their own terms, restrictions, fees, and processing rules, and that we are not responsible for those third-party policies or actions.

8. Payments, Fees, and Billing

A. Fees

You agree to pay all fees, charges, subscription amounts, transaction fees, implementation fees, service fees, or other amounts applicable to your use of the Services, as disclosed on the website, in an order form, in a pricing schedule, or in another agreement with us.

B. Authorization to Charge

If you provide a payment method, bank account, card, or ACH authorization, you authorize us and/or our payment processors to charge or debit all amounts due in accordance with the applicable pricing terms and authorizations you provide.

C. Taxes

Unless otherwise stated, fees do not include taxes. You are responsible for all sales, use, value-added, withholding, or similar taxes associated with your use of the Services, except taxes based on our net income.

D. Failed Payments

If a payment is declined, reversed, returned, or unpaid, we may retry the charge, collect the amount by other lawful means, suspend access to the Services, charge late fees or returned payment fees where permitted, and/or terminate your account.

E. No Refunds Except as Required by Law or Agreement

Except as expressly stated in a separate written agreement or required by applicable law, fees are non-refundable once charged.

9. Transactions, Transfers, and Payment Instructions

If the Services allow you to initiate payments, transfers, disbursements, ACH transactions, wires, or other financial instructions, the following apply:

A. Authorization

You are responsible for all instructions submitted through your account or otherwise authorized by you.

B. Accuracy of Instructions

You are solely responsible for ensuring that payment instructions, recipient information, account details, invoice details, and transaction amounts are accurate and complete.

C. No Guarantee of Timing or Completion

Transaction timing may depend on banks, card networks, payment processors, counterparties, cutoff times, fraud reviews, holidays, system outages, and other factors outside our control. We do not guarantee that any transaction will be completed within a particular timeframe unless expressly stated in writing.

D. Reversals, Returns, Chargebacks, and Adjustments

We may reverse, reject, delay, return, or adjust transactions where necessary to address errors, unauthorized activity, insufficient funds, compliance concerns, network rules, disputes, chargebacks, or legal requirements.

10. Prohibited Uses

You agree not to use the Services, or permit any other person to use the Services, to:

• violate any law, regulation, court order, or third-party right;

• engage in fraud, deceptive conduct, money laundering, sanctions evasion, terrorist financing, or other unlawful financial activity;

• impersonate another person or misrepresent your identity, business, or authority;

• provide false, inaccurate, or misleading information;

• access or use the Services for unauthorized, speculative, abusive, or illegal transactions;

• interfere with the operation, security, or integrity of the Services;

• reverse engineer, decompile, scrape, or attempt to extract source code except as permitted by law;

• upload or transmit viruses, malware, or malicious code;

• circumvent security controls, access restrictions, or compliance safeguards;

• use the Services in a way that could expose us or our partners to legal, reputational, compliance, or financial risk;

• infringe or violate our intellectual property rights or those of any third party.

We may investigate suspected violations and cooperate with law enforcement or regulators as permitted or required by law.

11. Communications and Electronic Consent

By using the Services, you consent to receive communications from us electronically, including by email, in-app message, SMS (if you opt in or provide a mobile number for account communications), or through notices posted on the Services. 

These communications may include:

• disclosures and legal notices

• account alerts and security notices

• billing and payment notices

• service announcements and operational updates

• marketing communications, via phone or email where permitted by law

By opting in to receive messages and submitting your information, you agree to receive SMS text messages from TJ Funding Group (TJFG LLC) regarding your business inquiry, including application links, document requests, appointment scheduling, account updates, and other one-to-one communications related to your request.

• Message frequency varies.

• Message and data rates may apply.

• Reply STOP to opt out at any time.

• Reply HELP for assistance.

• Consent to receive SMS messages is not a condition of obtaining our services.

• SMS consent is collected separately from consent for phone calls and email.

• SMS consent is not shared with third parties or affiliates for marketing purposes.

​​Consent is not a condition of purchase. Private information such as: Your mobile information will not be sold or shared with third parties for promotional or marketing purposes. tjfunding.group/privacy for all privacy information.

You agree that electronic communications satisfy any legal requirement that such communications be in writing, to the extent permitted by law.

If you want to include ESIGN-style consent language, add a separate “Electronic Communications Consent” agreement if you are delivering regulated disclosures electronically.

12. Intellectual Property

A. Our Rights

The Services, including all software, content, text, graphics, logos, interfaces, workflows, designs, compilations, and other materials, and all intellectual property rights therein, are owned by or licensed to the Company and are protected by law.

B. Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your internal personal or business use in accordance with these Terms.

C. Restrictions

Except as expressly permitted by us in writing, you may not copy, reproduce, modify, distribute, sell, lease, publicly display, create derivative works from, reverse engineer, or otherwise exploit the Services or any portion of them.

D. Feedback

If you provide us with suggestions, ideas, or feedback about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use and exploit that feedback without restriction or compensation to you.