Application Agreement
1. Business Union Financial Terms and Conditions
The Business Union Financial service and website (each as defined below) are operated by Carey Investment Group an Michigan corporation. Business Union Financial is in the business of providing customers with small business loans, lines of credit and related services (“Service”). Business Union Financial is not a broker, investment advisor or financial planner, and we do not provide financial, securities, legal or tax advice. Before making any decision or implementing any strategy you should consider obtaining additional information and advice from your accountant, attorney, and/or other advisors.
2. Accepting the Terms
By using the information, tools, features and functionality located at Business Union Financial.com or subdomains (the “Website”) or by submitting an application for credit to Business Union Financial, you agree to be bound by these terms and conditions (the “Agreement”). You must read this Agreement in its entirety and accept the terms and conditions contained herein.
You may not use the Service and you may not accept this Agreement if you are under 18 years of age. You represent that you have the capacity to bind the company or entity applying for credit, on behalf of such company or entity. Before you continue, you should print or save a copy of this Agreement for your records.
3. Privacy, Personal and Company Information
For information about Business Union Financial’s data protection practices, please read our Privacy Policy, which can be accessed on the Website, as modified from time to time, which is hereby incorporated into this Agreement. The Privacy Policy explains how Business Union Financial collects and treats your personal and company information, and protects your privacy, when you access Business Union Financial and use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the Website.
4. Identity Verification
To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record identifying information that identifies each person and entity applying for credit. Therefore, when your company applies for credit, we ask for your name, address, and other information that allows us to identify you and your company. We may also ask for a driver’s license or other identifying documents.
In connection with the provision of the Service, users may submit financial information from their business banking account to Business Union Financial. Business Union Financial uses this information for its lending decisions and to monitor the performance of customers on an on-going basis. With the Service, users may direct Business Union Financial to retrieve such company information maintained online or otherwise by third-party financial institutions or organizations authorized to house such information.
5. Proprietary Rights
You are permitted to use content delivered to you through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology.
6. Credit Profile Authorization
You certify that (i) you are authorized on behalf of the company whose name you have entered to apply for credit and use the service, and (ii) all information you provide is true, correct and complete and that you will notify us of changes to such information. You understand and agree that we and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports and make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose, and that Business Union Financial has the authority for the foregoing in connection with any update, renewal, or extension of the credit to the company on whose behalf you are applying for credit. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that Business Union Financial is making no commitment or guarantee that any product, evaluation, or guidance provided by Business Union Financial will result in an approval for credit from Business Union Financial.
7. Electronic Communications
You hereby consent to receive by electronic means this Agreement and any and all disclosures and/or notices required to be given by applicable law or regulation. You also consent to allow Business Union Financial to respond to any inquiries by e-mail regardless of the format of the original inquiry.
8. Telephone Communications
You hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls and SMS messages (including text messages) from Business Union Financial, its affiliates, marketing partners, agents and others calling at Business Union Financial’s request or on its behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular or mobile telephone numbers) and you acknowledge that telephone calls to and from Business Union Financial may be recorded. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You acknowledge that no purchase of credit is contingent upon the foregoing consent, and you may apply for business credit by contacting us directly. You may opt out of receiving calls and marketing from Business Union Financial and its affiliates, marketing partners, agents and others as provided in the Privacy Policy or by contacting us directly.
For Ohio applicants: You understand that the Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.