Disclosure Statement:

 

Verawood Financial is a dedicated and team of professionals looking to assist your business with solutions focused financing options. Our services are designed to offer insights, advice, and connect businesses with potential lending options tailored to the business need. While we intend to provide accurate and up-to-date information, we cannot always guarantee the completeness or accuracy of all information of the financial industry. Therefore, we encourage all our users to conduct their own due diligence and seek financial or legal advice as necessary before making any decisions or commitments. By using our website and our services, you agree to our terms of service and acknowledge that any decisions reached based on information from Verawood Financial was at your own responsibility, and engagement with Verawood Financial signifies your understanding and acceptance of these terms.

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In certain states, loans or financing may not be available or may be limited depending upon borrower and program attributes. Where loans are not available, we may offer a purchase of future receivables. Qualifying factors like Time in business, FICO score, and annual business revenue are some but not all requirements to qualify, and for final approval independently verified information from your application, as well as additional information regarding you and your business may be necessary. Verawood Financial may refer the applicant to one of its third-party financing partners.  Verawood Financial does not guarantee the product attributes or terms of any financing provided by a third-party partner. 

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Law requires certain financial programs need to obtain, verify, and record information that identifies each person who applies to help fight the funding of terrorism and money laundering activities. When you apply for financing, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents along with documents to verify ability to repay. 

 

 

Terms of Use between User & Verawood Financial:   

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This agreement (“Agreement”) governs the use of the Verawood Financial website. It should be read carefully before utilizing this website (Site).

You are currently using the VerawoodFinancial.com website. Verawood Financial and its affiliates provide the information and services located on the Site. Please read these Terms of Use carefully. By accessing this Site you agree to be bound by these Terms of Use.

 

Guidelines for Using Verawood Financial Copyrights and Trademarks:

All of the pages and screens on the Site are owned and controlled by Verawood Financial, except as otherwise expressly stated, and are protected by U.S. copyright laws. The copyright protected materials on the Site include, but are not limited to, text, design, software, images, graphics, source code, “touch and feel” and other content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyright protected material. You may not copy, display, distribute, modify, transfer, link to, reproduce, license, frame, alter, recreate or republish all or any portion of the Site for any commercial or public purpose without Verawood Finanical prior written consent.

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Authorization to Conduct Business Electronically:

By using the Site, you consent to: (a) transact business with Verawood Financial online and electronically; (b) receive certain disclosures electronically or otherwise, either via the Site, an email address provided by you; and (c) receive electronically all relevant documents, communications, notices and contracts related to your business funding application, business financing, servicing, or collection of said financing.

To electronically receive, view, and save Terms of Use and/or disclosures, you must have an electronic device with necessary capabilities and a valid email address. 

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Digital Content Disclaimer:

By using electronic content (Digital Content) provided by Verawood Financial, you accept this disclaimer:

Digital Content is not advice and should not be treated as such. Verawood Financial excludes all representations, warranties, guarantees related to its Digital Content to the maximum extent permitted by applicable law. You must not rely on the information within Digital Content as a substitute to financial, accountancy, legal, taxation, or other advice from a qualified professional. Verawood Financial does not guarantee that Digital Content is correct, accurate, or complete, and that the use of Digital Content guidance will lead to any particular outcome or result. You agree not to hold Verawood Financial liable in respect to any losses or damages of any sort as it relates to digital content of this Site or from Verawood Financial.

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Linked Sites:

The Site may contain links to websites controlled or offered by third parties (non-affiliates). Verawood Financial hereby disclaims liability for any third party’s website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site.

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General:

Verawood Financial reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Site. By continuing to use the Site you agree to be bound by the rules contained in the most recent version of these Terms of Use.

These Terms of Use constitute a contract between User and Verwood Financial governed by the laws of the U.S.

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Privacy Policy:

This is the website of www.VerawoodFinancial.com

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Verawood Financial can be reached via e-mail at VerawoodFinancial@gmail.com or by telephone at 702-917-4682

Verawood Financial may collect the domain name, e-mail address or other indemnifiable information of visitors to its Site, and information provided voluntarily by Users including information provided as part of an application.

Any Information collected may be used for marketing purposes and may be shared with reputable third party companies for commercial purposes. If you do not want us to share your information with third parties, please notify us in writing.

Some third-party sites linked to Verawood Financial, or this Site may track your browsing activities inadvertently.  If you are visiting such third-party sites, your browser allows you to set the DNT signal so that third parties know you do not want to be tracked, however, Verawood Financial makes no representations or warranties with respect to the practices or policies of such third-party sites and recommends you visit such third-party site’s for additional information of their policies.

With respect to cookies: Verawood Financial uses cookies in accordance with its Cookie Policy. Please review the Cookie Policy below.

If you do not want to receive e-mail from Verawood Financial, please let us know in writing.

If you supply Verawood Financial your mailing address online, you may receive periodic mailings from us. If you do not wish to receive such mailings, please let us know in writing.

Persons who supply Verwood Financial with their telephone numbers online may receive telephone contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know in writing.

From time to time, Verawood Financial may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If information practices change at some time in the future, we will post the policy changes to the Site. If you are concerned about how your information is used, you should contact us directly. 

With respect to telephone numbers: If you provide a phone number when interacting with Verawood Financial you expressly consent to receive calls and messages, including marketing and service calls and messages, using automated technology including auto-dialed and pre-recorded message calls, and SMS messages (including text messages) from Varawood Financial, its affiliates, agents, representatives, and others calling at their request or on their behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular telephone numbers). Your cellular or mobile telephone provider may charge you based on type of plan you carry. You acknowledge that consent is not a condition of any purchase of credit or services. You understand that you may opt-out at any time of receiving further communications. 

Verawood Financial takes the security of your information very seriously. Your information is secure with encryption and security protocols. Thus, when you enter sensitive personal information (such as a social security number) on our application forms, we protect that information. When we transfer and receive certain types of sensitive information, such as financial information, we secure that information. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you at our Site.

If you have concern this Site is not following its information policy, you may contact Verawood Financial directly. 

If Verawood Financial is provided banking information online or in hard copy, it is on a read-only basis. Verawood Financial does not have permissions or access to change, edit, or modify bank account information in any way. 

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Information We Collect

We collect the following personal information data (“Personal Information”) from you:

• Contact information such as name, business name, email address, mailing address, and phone number;

• Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;

• Private information like social security number and date of birth;

• Potentially other Unique identifiers such as user name and password, and IP address; and

• Business information including time in business, estimated annual revenue, financing amount requested, industry, company size, business type, company ownership, DBA name, whether your business accepts credit cards, estimated average of the last three months credit card receipts, and lowest of last three months credit card

In addition to gathering information via our Site, Verawood Financial may also review your website to gather information and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Verawood Financial customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your financing or as otherwise needed to provide financing products and related services (the “Service”).

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Use of Information:

Verawood Financial uses the information it collects to:

• Compile, save, use, and analyze your Personal Information in both a personally-identifiable form and an aggregated, non-personally identifiable form;

• Operate, maintain, improve, and provide you the Service and to conduct our business;

• Verify your identity and conduct appropriate diligence;

• Potentially register you as a user and identify you when you sign in to your account;

• Handle your application and determine whether or not your business qualifies for one of our financing products;

• Process your business financing product account, including deducting automatic payments;

• Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;

• Conduct research and analyses to understand our customers better; and produce data analytics and reports containing anonymized summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated, anonymized and will not identify you.

 

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COOKIE POLICY:

By using Verawood Financial website, you are consenting to the use of cookies. If you do not agree to our use of cookies in this way, you should set your browser settings accordingly or not use the site. If you disable the cookies that we use, this may impact your user experience while on the site. The information below summarizes the different types of cookies, together with their respective purpose and duration (i.e. how long each cookie will remain on your device).

Cookies are files or pieces of information that may be stored on your computer (or other internet enabled devices, such as a smartphone or tablet) when you visit the site. A cookie will usually contain the name of the website from which the cookie has come from, the “lifetime” of the cookie (i.e. how long it will remain on your device), and a value, which is usually a randomly generated unique number.

WHAT DO WE USE COOKIES FOR?

cookies can make the easier to use and to better tailor the site and our products to your interests and needs. Cookies may also be used to help speed up your future activities and experience on our site. We also use cookies to compile anonymous, aggregated statistics that allow us to understand how people use our site and to help us improve their structure and content. We cannot identify you personally from this information.

Necessary Cookies: These cookies are essential to make the site work correctly. They enable you to move around our website and use our features. Examples include remembering previous actions (e.g. entered text) when navigating back to a page in the same session. These cookies do not identify you as an individual. If you do not accept these cookies, it may affect the performance of the website, or parts of it.

Performance Cookies: These cookies help us understand how visitors interact with our website by providing information about the areas visited, the time spent on the website, and any issues encountered, such as error messages. This helps us improve the performance of our website. These cookies do not identify you as an individual. All data is collected and aggregated anonymously.

Functionality Cookies: These cookies allow our website to remember the choices you make to provide a more personalized online experience. They can also enable visitors to watch videos and engage with social tools, such as blogs, chatrooms, and forums. The information these cookies collect may include personally identifiable information that you have disclosed, such as your username or profile picture. We shall always be transparent with you about what information we collect, what we do with it, and with whom we share it. If you do not accept these cookies, it may affect the performance and functionality of the website and may restrict access to content on the website.

Targeting/Advertising Cookies: These cookies are used to deliver content that is more relevant to you and your interests. These cookies may be used to deliver targeted advertising or to limit the number of times you see an advertisement. They also help us measure the effectiveness of advertising campaigns on BriteCap.com and other websites. We may use these cookies to remember websites you have visited, and we may share this information with other parties, including advertisers and our agencies. These cookies track customers via their IP Address.

HOW CAN I CONTROL OR DELETE COOKIES?

Most internet browsers are initially set up to accept cookies automatically. You can change the settings to block cookies or to alert you when cookies are being sent to your device. There are some ways to manage cookies. Please refer to your browser instructions or help screen to learn more about how to adjust or modify your browser settings.

If you disable the cookies that we use, this may impact your experience while on the site. You may not be able to visit certain areas, or you may not receive personalized information when you visit our site. If you use different devices to view and access the site (e.g. your computer, smartphone, tablet, etc.) you will need to ensure that each browser on each device is adjusted to suit your cookie preferences.

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CREDIT APPLICATION DISCLAIMER:

Submission of an electronic financing application shall have the same force and effect as an application with original inked signature. The submitter certifies that the funds, account, or financing will be used for business and commercial purposes. The applicant, or the person submitting this application if not the applicant, hereby represents and warrants that the applicant(s), owner(s) and guarantor(s) (if any) have expressly authorized the applicant to enter into contracts on behalf of the business, and that Verawood Financial and its assigns, including select finance company partnerships and thrid-party affiliates (collectively “BC”), may consider this information as true, accurate, and complete in all respects, until the applicant provides BC with a written notice of change. Each applicant authorizes BC to (1) obtain at any time, now or in the future, investigative reports and credit reports through a credit agency chosen by BC, and (2) investigate any references or other information obtained from or about the individual owner/guarantor and the business (including contacting the current payment processor of the business to verify processing history) for purposes of this application. The applicant acknowledges that, based upon such information and other factors that may apply, BC in its sole discretion, may either grant or decline to grant credit. By submitting an application, the applicant agrees to receive updates from BC and its partners regarding this account/financing via the telephone numbers, email address, or other forms of communication methods provided for the account/financing. If the applicant has provided a mobile device number, applicant expressly agrees to receive communications at that number from BC and its authorized agents.

If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial.  To obtain the statement, please contact us within 60 days from the date you are notified of our decision.  We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement.

 

No Minor Use:

This Site is applicable to and should only be used by persons 18 years of age or older. Access and use of this Site by persons under the age of 18 is strictly prohibited.

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USA PATRIOT Act:

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account.

When you open an account or utilze finanaing from Verawood or its partners and third-party affiliates; we will ask for your name, mailing address and other information that will allow them to verify your identity. Verawood Financial may also ask to see a driver’s license or other identifying documents.

Notice:  The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.  The federal agency that administers compliance with this law is the Federal Trade Commission,

  

Indemnity:

You agree to defend, indemnify, and hold harmless Verawood Financial, its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Site; (ii) your violation of any term of these Terms of Use; (iii) your violation of any third-party right, including, without limitation, any copyright, property, or privacy right; or (iv) your violation of any other terms applicable to your use of the Services. This indemnification obligation will survive these Terms of Use and your use of the Site.