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Terms & Conditions

Linktolender.com is owned and operated by KGFA Capital Ventures Inc.  KGFA Capital Ventures Inc. also owns Lendinero.  There is a fiduciary interest by and between KGFA Capital Ventures Inc. linktolender.com and lendinero. KGFA Capital Ventures Inc. can lend, can act as loan intermediary, has financing agreements with lenders and investors and can provide financial and business advisory services.  Linktolender.com is owned by KGFA Capital Ventures Inc. and it is a loan origination and AI loan origination and loan marketplace online.

PERSONAL LOAN APPLICANTS
Disclaimer: The operator of this website is not a lender and does not make credit decisions.  Once your application is submitted it will be sent to KGFA Capital Ventures Inc. and or Lendinero who will contact you to assist you with your personal loan request. They provide different services related to personal loans. This website offers a service that attempts to connect potential borrowers, with available offers, based on on self reported information. By submitting your information through this site, you consent to having it shared with third parties for the purpose of facilitating your request. All financial products and services are presented without warranty and providing your information on this website does not guarantee an approval with said products or services. Pre-qualified offers are not binding. Terms, conditions, and policies vary by product, service, state, and your particular financial situation. It is the user's responsibility to read all third party disclaimers and restrictions before proceeding. 

BUSINESS APPLICANTS
By signing below, each of the above listed business and business owner/officer (individually and collectively, "you") authorize KGFA Capital Ventures Inc. linktolender.com and dba Lendinero and each of its representatives, successors, assigns and designees ("Recipients") that may be involved with or acquire commercial loans, business cash advance, business line of credit or invoice financing having daily repayment, weekly repayment or monthly repayment features.  This also may include the purchases of future receivables including merchant cash advance transactions, including without limitation the application therefor (collectively, "Transactions") to obtain consumer or personal, business and investigative reports and other information about you, including credit card processor statements and bank statements, from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors and other third parties. You also authorize KGFA Capital Ventures Inc., linktolender.com and dba Lendinero to transmit this application form, along with any of the foregoing information obtained in connection with this application, to any or all the Recipients for the foregoing purposes. You also consent to the release, by any creditor or financial institution, of any information relating to any of you, to KGFA Capital Ventures Inc., linktolender.com and dba Lendinero and to each of the Recipients, on its own behalf.

 

By submitting this business funding application on-line, YOU AS THE APPLICANT, hereby give authorization to KGFA CAPITAL VENTURES INC. linktolender.com and D.B.A. LENDINERO ISOA, hereinafter referred to as KGFA Capital, owner of linktolender.com.  You, as the applicant give KGFA Capital ISOA and or processors to take the information which you provided on this business funding application and send it to our funding partners, other lenders, investors, and or funding resources to help you obtain business funding, a business merchant cash advance, business line of credit, invoice financing, reverse consolidation, or a business term loan for the amount you are requesting on this application.  As the application, you are giving KGFA Capital, the authorization by digital signature on this online application to take the information you have provided  and submit it to participating lenders whom we have a relationship with as a syndicate lender, investor, independent sales organization, referral partner, business partner, affiliate, broker or co-broker. You give us the right to submit the application or transfer the information utilizing this automated online system and automatically submitted to our funding partners or underwriters. You attest that information you are providing is true and correct to the best of your knowledge and that there is no fraudulent information or misleading information. In the event, that you provide false or misleading information, you agree to hold harmless KGFA Capital ISOA, funding partners and or affiliates. You as the applicant, understand that a pre-qualification, a pre-approval or a funding commitment may not constitute access in obtaining business funding unless if you can satisfy the conditions subject to funding and that said conditions are verified by an underwriter. You understand that false information or altering documentation is a federal crime and you may receive a fine and imprisonment if you alter or provide fraudulent information. You agree to hold us harmless and or funding partners. You, as the applicant understand that if you cannot comply with the documents requested by underwriting or our funding partners when and if you are approved, that the conditional approval may become null and void.

PERSONAL CREDIT
Also, you give linktolender.com, KGFA Capital Ventures Inc. authorization to transfer information to our funding partners and or apply on your behalf to platforms we think may approve your funding request.  By submitting this application you are giving linktolender.com, KGFA Capital Ventures Inc., Lendinero, its funding partners, investors or lenders we have agreements with or whom we do not have agreements with authorization to obtain a copy of your personal credit report with the personal information you provide as many times it may deem necessary to obtain a credit decision.  Also, you understand that we will only submit the information to 4 financial institutions or lenders. In some cases, these financial institutions or lenders may pull a soft credit pull or a hard inquiry. Soft inquiries do not affect credit scores and are not visible to potential lenders that may review your credit reports. They are visible to you only and will stay on your credit reports for 12 to 24 months, depending on the type. The other type of inquiry is a “hard” inquiry.  A hard inquiry can be seen by other lenders and may reduce your credit score.  Also, a business credit check will be performed in most cases. 

FEE & INTEREST RATE DISCLOSURES
Any fees associated in obtaining any type of financing will be disclosed prior to funding.  Interest rates and any APR will be disclosed prior to funding.  Any other fees related to services provided will be disclosed.

PRIVACY INFORMATION
We do not resell data.  Your information is secured and will only be used for conducting financials analysis or obtaining financing.

Questions and concerns: email: contact@linktolender.com

ADDITIONAL TERMS OF USE

www.ai.linktolender.com Communications
You agree that linktolender.com may send electronic mail to you for the purpose of informing you of upcoming events or other offers, notifying you of significant site changes, or other purposes we deem appropriate.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched with one of our third party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders' websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Withdrawing Consent. Your E-Consent for our matching service and for our third party lenders' consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched with one of our Lending Partners ("Lending Partners"). In order to offer you a loan, the Lending Partners need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the Lending Partner directly. The Lending Partners will provide paper copies. The Lending Partners will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the Lending Partner and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party Lending Partner may process your information and interact during all online interactions with you electronically. The Lending Partner may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party Lending Partners’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the Lending Partners, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party Lending Partners.

Withdrawing Consent. Your E-Consent for our matching service and for our Lending Partners’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more Lending Partners, you are free to withdraw your E-Consent with those Lending Partners at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the Lending Partner. Contact the Lending Partner directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party Lending Partners informed of any change in your electronic address or mailing address. You may update such information by logging into the third party Lending Partner’s website or by sending the Lending Partner a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING ON ANY BOX OR LINK TO PROCEED ON THIS WEBSITE, YOU AGREE TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

BY CLICKING ON ANY BOX OR LINK TO PROCEED ON THIS WEBSITE, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDING PARTNER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDING PARTNERS OVER THE INTERNET.

Privacy Policy

1. How We Use Collected Information
Our servers record your computer's IP address and website usage in "server logs" when you use this website. No personally identifiable information is contained in these logs, such as name, address, phone numbers or email addresses. We use these logs to help diagnose problems with our servers, analyze traffic patterns and to administer this website.

Cookies
We use cookies on certain pages of our website. Cookies are small text files stored on your hard drive, not on our website. A cookie is not a program, and does not itself have the ability to automatically collect personal information about you. A cookie can store certain information that identifies your browser to our servers in order to make the websites operate more smoothly. For example, we use cookies to aid in the functioning of a sign in form. Most cookies we use are "session cookies" which means that they are automatically deleted when you leave the website.

Voluntary Contact
If you send us information voluntarily, such as through personal correspondence or email, or if other users or third parties send us correspondence about your activities, we may collect such information. We use such information, and other information that we obtain from your use of the services, to resolve disputes, troubleshoot problems and enforce our Terms of Use agreement, among other things. Please also note that information you volunteer in public areas is not protected information, and anyone could potentially collect and use such information in ways we cannot control. In addition to using your information as described above, we also may occasionally send you email announcing special promotions, changes in our services, and other information we believe will be of interest to you. You may opt in or out of receiving these mailings by using the join/unsubscribe feature located in email sent. We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Statement. For example, we may be forced to disclose information to the government or third parties under certain circumstances without your consent, or third parties may unlawfully intercept or access transmissions or private communications. We can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability. However, we will not use your information for marketing purposes. We do not sell or rent our list of users past or present to any third party without your consent.

2. Linked Websites
For your convenience, this website contains links to other sites. Please be aware that ai.linktolender.com is not responsible for the privacy practices or content of such other websites, which may differ significantly from our own. We encourage our users to be aware when they leave our websites and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this website.

3. Security
This website has procedural security measures in place to protect the loss, misuse and alteration of the information under our control. Only authorized individuals have access to your information.

4. A Special Note About Children
Persons under the age of 18 are not eligible to use our website without parental supervision and consent and we ask that children under the age of 13 not submit personal information to us. We believe that is important that parents supervise their minor children when they are online. As a result, we require that persons under the age of 18 use this website only in conjunction with parents or legal guardians.

5. Contacting Us
If you have any questions about this Privacy Statement, the practices of this website, or your dealings with this website, you may email us at contact@linktolender.com.

Credit Report Authorization

By proceeding, you understand and agree to authorize ai.linktolender.com or linktolender.com to send, on your behalf, all your information to Lending Partners (as defined in our Terms of Use) and providers; and you hereby provide “written instructions” to such lending partners under the Fair Credit Reporting Act authorizing lending partners to obtain information from your personal credit profile or other information from one or more credit reporting agencies such as Experian, TransUnion, and/or Equifax.

Telephone and Email Consent

By proceeding, you are providing express “written” consent authorizing linktolender.com or ai.linktolender.com, affiliated marketplaces and or Lending Partners (as defined in our Terms of Use) and providers to contact you via telephone using auto dialed or artificial/prerecorded calls, SMS text, mobile device and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. Your consent to receive these calls and communications is not required as a condition of purchasing any good or service.

 
 
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