Terms of Use

These Terms of Use govern your access to and use of vandamcapitalgroup.com (the “Site”), operated by Vandam Capital Group LLC (“Vandam Capital Group”). By using the Site you agree to these terms. If you do not agree, do not use the Site.

1. Business use only

The Site and the financing products described on it are offered to businesses and their authorized representatives for business purposes only. They are not offered to consumers for personal, family, or household purposes. By submitting an application you represent that you are at least 18 years old, that you are authorized to act for the business named, and that any funding requested will be used solely for business purposes.

2. Not an offer of financing

Nothing on the Site is an offer, commitment, or guarantee to provide financing. Amounts, terms, factor rates, and timelines described anywhere on the Site are illustrative of the products Vandam Capital Group offers and do not constitute a quote or approval. All funding is subject to underwriting review, verification of submitted information, and execution of definitive written agreements. The terms of any transaction are governed solely by the signed funding agreement, which controls over anything stated on this Site.

3. Nature of a merchant cash advance

A merchant cash advance is the purchase of a specified amount of a business's future receivables at a discount. It is not a loan and does not create a debtor-creditor relationship in the traditional sense. The difference between the purchase price and the purchased amount is not interest and is not stated as an annual percentage rate. Certain states require specific disclosures for commercial financing transactions; where those apply, Vandam Capital Group will provide them as required.

4. Our role

Vandam Capital Group may act as a direct funder or may refer, broker, or submit your request to third-party funding sources, syndicators, or participants, and may receive compensation for doing so. Vandam Capital Group does not act as your agent, fiduciary, broker for your benefit, or financial advisor, and does not provide legal, tax, or accounting advice. You should consult your own advisors before entering into any financing transaction.

5. Accuracy of information you submit

You agree that all information and documents you submit are true, accurate, and complete, and that you will promptly correct anything that changes. Submitting falsified bank statements, financial documents, or identity documents may constitute fraud and may be reported to funding partners and to law enforcement.

6. Electronic communications and signatures

By using the Site and submitting information, you consent to receive communications from us electronically, and you agree that electronic signatures, agreements, and records satisfy any legal requirement that such communications be in writing.

7. Intellectual property

The Site and its content, including text, design, graphics, and logos, are owned by Vandam Capital Group LLC or its licensors and are protected by intellectual property laws. You may not copy, reproduce, republish, or create derivative works from the Site without our prior written permission.

8. Acceptable use

You agree not to use the Site to submit false or fraudulent information; to scrape, harvest, or automate access; to interfere with the Site's operation or security; to transmit malware; or to violate any applicable law.

9. Third-party links and content

The Site may link to third-party websites or services. We do not control and are not responsible for them, and a link does not imply endorsement.

10. Disclaimer of warranties

The Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that information on it is complete or current.

11. Limitation of liability

To the fullest extent permitted by law, Vandam Capital Group LLC and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or business opportunities, arising out of or relating to your use of the Site, even if advised of the possibility. Our aggregate liability relating to the Site will not exceed one hundred dollars ($100).

12. Indemnification

You agree to indemnify and hold harmless Vandam Capital Group LLC and its members, officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your submissions, or your breach of these terms.

13. Governing law and disputes

These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to the Site or these terms will be brought exclusively in the state or federal courts located in New York, and you consent to the jurisdiction of those courts. This section does not affect any dispute-resolution provision in a signed funding agreement, which controls for that transaction.

14. Changes

We may modify these terms at any time by posting an updated version. Your continued use of the Site after changes are posted constitutes acceptance.

15. Contact

Vandam Capital Group LLC
New York, NY
phil@vandamcapitalgroup.com