Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the website at mosaicadvance.com and the services offered by Mosaic Advance LLC (“Mosaic Advance,” “we,” “us,” or “our”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

Nature of our services

Mosaic Advance is a broker and referral partner for business financing solutions. We are not a bank or a direct lender. We connect businesses with independent third-party funding providers, and approval, rates, amounts, and terms are solely determined by those providers. Submitting an application does not guarantee that you will receive an offer.

Eligibility

You must be at least 18 years old and legally authorized to act on behalf of the business you represent. By submitting information, you confirm that all details you provide are truthful, accurate, and complete.

No financial advice

Content on the Services is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. We strongly recommend consulting with licensed professionals before making any financial decisions.

Privacy

Your use of the Services is governed by our Privacy Policy. By continuing to use the Services, you consent to the data practices described there, including the use and sharing of your information with funding partners to evaluate and offer funding.

Third-party services

The Services may refer you to, or integrate with, independent third-party funding providers and service vendors that operate under their own terms and privacy policies. Mosaic Advance is not responsible or liable for the decisions, actions, services, or content of those third parties.

Intellectual property

The Services and their content, features, and branding are owned by Mosaic Advance or its licensors and are protected by applicable laws. You may not copy, modify, distribute, or exploit any part of the Services without our prior written permission.

Limitation of liability

To the maximum extent permitted by law, Mosaic Advance will not be liable for any indirect, incidental, special, consequential, or punitive damages, including any funding delays or denials, arising out of or related to your use of the Services.

Disclaimer of warranties

The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no guarantees regarding funding approval, timelines, or outcomes.

Indemnification

You agree to indemnify and hold harmless Mosaic Advance and its officers, employees, and partners from any claims, damages, losses, or expenses arising out of your use of the Services or your violation of these Terms.

Termination

We may restrict, suspend, or terminate your access to the Services at our discretion, with or without notice, including for suspected fraud, misuse, or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict of laws principles.

Changes to these Terms

We may revise or update these Terms at any time. Changes are effective when posted on this page with a revised “Last updated” date. Your continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

Contact us

Questions about these Terms? Email info@mosaicadvance.com or reach us through our contact page.