Terms of Service

1. Agreement to Terms

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Invoice Factoring Xchange (“IFXI,” “we,” “us,” or “our”), concerning your access to and use of the https://ifxi.com website as well as any other media form, media channel, mobile website, or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”).

By accessing the Site, you agree that you have read, understood, and agreed to be bound by all of these Terms of Service. If you do not agree with all of these terms, you are expressly prohibited from using the Site and must discontinue use immediately.

2. Financial Services Disclaimer

The content provided on the Site is for general informational purposes only. Submitting an application, requesting a quote, or providing information through the Site does not constitute a binding commitment from IFXI to provide funding, invoice factoring, or any other financial services.

All approvals and funding are strictly subject to our underwriting criteria, due diligence, and the execution of a separate, formal, and legally binding written agreement (e.g., a Factoring Agreement or Loan Agreement) between you and IFXI or its lending partners.

3. User Representations

By using the Site, you represent and warrant that:

  • You have the legal capacity and authority to agree to these Terms of Service (including on behalf of your business entity).

  • You are not a minor in the jurisdiction in which you reside.

  • All registration, business, and financial information you submit will be true, accurate, current, and complete.

  • You will maintain the accuracy of such information and promptly update it as necessary.

  • You are seeking our services for commercial and business purposes only, and not for personal, family, or household use.

4. Prohibited Activities

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to:

 

 

  • Systematically retrieve data or other content from the Site to create or compile a collection, compilation, database, or directory without written permission from us.

     

     

  • Trick, defraud, or mislead us, especially in any attempt to learn sensitive account or financial information.

  • Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.

  • Use the Site as part of any effort to compete with us.

  • Upload or transmit viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use and enjoyment of the Site.

  • Submit false, forged, or altered financial documents or identity information.

5. Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property. All source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

6. Privacy Policy

We care about data privacy and security. Please review our Privacy Policy. By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Service.

7. Site Management and Modifications

We reserve the right, but not the obligation, to:

  • Monitor the Site for violations of these Terms of Service.

  • Take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Service.

  • Change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice.

  • Modify or discontinue all or part of the Services without notice at any time.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance, resulting in interruptions, delays, or errors.

8. Governing Law

These Terms shall be governed by and defined following the laws of [Insert Your State]. Invoice Factoring Xchange and yourself irrevocably consent that the courts of [Insert Your County/State] shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

9. Limitations of Liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Site, even if we have been advised of the possibility of such damages.

10. Contact Us

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:

Invoice Factoring Xchange (IFXI)