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Terms of Service

1. Agreement to Terms

By accessing or using the 4 Pillar Funding website (the "Site") or any services offered through the Site (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not access or use the Site or Services. These Terms constitute a legally binding agreement between you and 4 Pillar Consulting LLC, d/b/a 4 Pillar Funding ("Company," "we," "us," or "our").

2. Services Description

4 Pillar Funding is a capital advisory firm that acts as an intermediary between businesses seeking working capital and various capital providers ("Capital Partners"). We are not a direct lender. We do not fund, originate, or underwrite loans or credit facilities. Our services include:

  • Consultation and assessment of business capital needs
  • Matching businesses with appropriate Capital Partners based on financial profile, use of funds, and facility requirements
  • Guidance on documentation and application processes
  • Educational content and resources related to business capital

All funding decisions are made solely by the Capital Partners. We act in an advisory capacity only.

3. No Guarantee of Funding

Submitting a consultation request, application, or any information through our Site or to our team does not guarantee approval, funding, or any specific terms or rates. All capital facility recommendations are subject to:

  • Underwriting review by the Capital Partner
  • Verification of documentation and financial information
  • Capital Partner approval at their sole discretion
  • Market conditions and availability of capital

Past performance of our advisory services or examples of prior transactions do not guarantee future results.

4. Accuracy of Information

You agree to provide accurate, current, and complete information in connection with any form submission, application, or communication with our team. You further agree to update such information as necessary to maintain its accuracy. Providing false, misleading, or incomplete information may result in:

  • Immediate termination of our advisory relationship
  • Rejection of your application by Capital Partners
  • Legal liability for any damages resulting from false representations

5. User Representations

By using our Site and Services, you represent and warrant that:

  • You are at least 18 years of age
  • You are authorized to act on behalf of the business entity for which you are seeking capital (if applicable)
  • Your business is located in and operates within the United States
  • You have the legal authority to enter into binding agreements on behalf of your business
  • Your use of the Services does not violate any applicable law, regulation, or obligation
  • The information you provide is truthful and does not misrepresent your business or financial condition

6. Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, images, data compilations, software, page layout, and design — is the property of 4 Pillar Funding or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not:

  • Reproduce, distribute, modify, or create derivative works from any content without prior written permission
  • Use our trademarks, service marks, or logos without written authorization
  • Scrape, data-mine, or systematically extract content from the Site
  • Frame or mirror the Site or any portion thereof

7. TCPA Consent

By providing your telephone number through our Site or to our representatives, you expressly consent to receive telephone calls and/or SMS/text messages from 4 Pillar Funding, its affiliates, and its agents at the number(s) you provide, including through the use of automated dialing systems and prerecorded or artificial voice messages, for the purposes of:

  • Discussing your consultation or application status
  • Providing information about capital facility options
  • Requesting or confirming documentation
  • Marketing communications about our services

Consent is not a condition of purchasing any services. You may revoke consent at any time by contacting us at operations@4pillarfunding.com or by replying STOP to any text message. Standard message and data rates may apply.

8. Arbitration Clause

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and 4 Pillar Funding agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with us (collectively, "Disputes") shall be resolved through binding individual arbitration rather than in court, except as set forth below.

Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association ("AAA") Commercial Arbitration Rules then in effect. The arbitration shall take place in Saratoga County, New York, or at a location mutually agreed upon. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Exceptions: Either party may bring an individual action in small claims court for Disputes within the jurisdiction of such court. Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

9. Class Action Waiver

YOU AND 4 PILLAR FUNDING AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. Unless both parties agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not preside over any form of class, collective, or representative proceeding.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL 4 PILLAR FUNDING, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Any loss of profits, revenue, data, or business opportunities
  • Any damages arising from your reliance on information provided through the Site or Services
  • Any damages resulting from a Capital Partner's decision to approve or deny funding
  • Any damages exceeding the total fees paid by you to 4 Pillar Funding in the twelve (12) months preceding the claim

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless 4 Pillar Funding, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Site or Services
  • Your violation of these Terms
  • Your violation of any law or regulation
  • Any inaccurate, false, or misleading information you provide
  • Any dispute between you and a Capital Partner
  • Your infringement of any third-party rights

12. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, 4 PILLAR FUNDING DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
  • ANY WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE
  • ANY WARRANTY REGARDING THE ACCURACY OR COMPLETENESS OF CONTENT
  • ANY WARRANTY REGARDING THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES

13. Financial Information Disclaimer

Nothing on this Site constitutes financial advice, investment advice, tax advice, or legal advice. All content, including articles, guides, case studies, and calculators, is provided for informational and educational purposes only. You should consult with qualified financial, legal, and tax professionals before making any decisions regarding capital, debt, or financial obligations. 4 Pillar Funding is not a registered investment advisor, broker-dealer, or financial planner.

14. Third-Party Links

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by 4 Pillar Funding. We do not endorse and are not responsible for the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that we are not liable for any damage or loss caused by your use of or reliance on any third-party content, goods, or services.

15. Termination

We reserve the right to suspend or terminate your access to the Site and Services at any time, with or without cause, and with or without notice. Reasons for termination may include, but are not limited to:

  • Violation of these Terms
  • Providing false or misleading information
  • Conduct that we determine to be harmful to our business, reputation, or other users
  • Request by law enforcement or government agencies

Upon termination, your right to use the Site and Services ceases immediately. Sections of these Terms that by their nature should survive termination (including but not limited to arbitration, limitation of liability, indemnification, and intellectual property) shall survive.

16. Governing Law

These Terms and any Disputes arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. To the extent that the arbitration clause above does not apply, you consent to the exclusive jurisdiction of the state and federal courts located in Saratoga County, New York.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such finding shall not affect the validity of the remaining provisions, which shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and 4 Pillar Funding regarding your use of the Site and Services. These Terms supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and 4 Pillar Funding regarding the subject matter hereof.

19. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. Material changes will be communicated through a notice on the Site. Your continued use of the Site or Services after the posting of revised Terms constitutes your acceptance of such changes. If you do not agree to the modified Terms, you must stop using the Site and Services.

20. Contact

Questions, concerns, or notices regarding these Terms should be directed to:

4 Pillar Funding (4 Pillar Consulting LLC)
268 Broadway, Suite 201
Saratoga Springs, NY 12866
Phone: 518.520.4552
Email: operations@4pillarfunding.com

Call 518.520.4552