Terms and Conditions

Cube Financials Terms and Conditions

Our terms of use our simple and crafted to ensure we maintain a long-term partnership

This is a legal agreement between you (“you,” “Customer,” or “user”) and Cube Financials, (“we,” “us, “our,” “Company,” “Cube Financials”). By accessing this website, and any sub-sites of this website (together the “Site”) and/or using any of the Services (“Services”), you agree to, and are bound by, the terms and conditions of this Terms of Use agreement and the Cube Financials Privacy Policy (collectively, “Terms”) for as long as you continue to use the Site or Services. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS, YOU MUST STOP USING THE SITE OR THE SERVICES IMMEDIATELY.

1. Cube Financials Services

Cube Financials Financial offers Services to Customers, who include small business owners and individuals. Cube Financials Financial’s primary Service is to offer loans to our small business owner Customers through Cube Financials’s own sources of capital, or serves as a marketplace on behalf of banks, non-depository lenders, and other lending sources. For these credit services and products Cube Financials originates, Cube Financials aids small business owners in preparing required documents, processing the loan, and funding the loan. In addition, Cube Financials Financial provides Services through relationships with its third-party partners (“Affiliate Partners) who may connect Customers with offers for products and services relevant to Customers’ personal and/or business needs. For example, Cube Financials Financial operates as a referral partner, on behalf of Affiliate Partners, to connect Customers with opt-in offers for Affiliate Partner products and services, including but not limited to personal loans, credit cards and insurance.

2. Use of Site and Services

You must be at least 18 years old to use our Services. If you are an individual accepting these Terms on behalf of a company, then you are binding the company to these Terms, and represent and warrant that you have full power and authority to do so. Cube Financials may modify these Terms from time to time as further described in Section 14. a. Account. You may register to use the Site by following the instructions on the Site to create a Registered User Account (an “Account”). As a user of the Site or a user registered to use any of the Services (a “Registered User”), you agree to the following:

Use of Information

We may use the information you provide about yourself and/or your business to fulfill your requests for our Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. We may use your information to improve and personalize the Services and any related services, including future products and services. For example, we may use your information to pre-fill form fields on the sites for your convenience.

3. User Information

License Regarding User Information. You retain all ownership interest in and to the User Information and other content you provide to the Site or as part of your use of the Services. By submitting your content, including your personal and business information, you hereby grant to Cube Financials a perpetual, non-exclusive, irrevocable, royalty-free license to: reproduce, adapt, edit, modify, translate, publish, transfer, and/or distribute any of your content. This license specifically includes the right for Cube Financials to make such content available to other trusted companies, organizations, and/or individuals with whom Cube Financials has a business relationship in order to carry out the performance of the Services. Disclosure by Law. You acknowledge and agree that Cube Financials may disclose information you provide if required or permitted to do so by law, at the request of a third-party, or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with law, requests, or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); or (ii) protect or defend standard Cube Financials’s, or a third-party’s rights or property. Information Security. We work hard to protect Cube Financials and our Customers from unauthorized access to or unauthorized alteration, disclosure, or destruction of information we hold. In particular: We encrypt many of our services using SSL. We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems. We restrict access to personal information to Cube Financials employees, contractors and agents who need to know that information in order to process it, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations. Use of Aggregate/Anonymous Information for Research. By using the Site and/or Services, you agree to allow Cube Financials to anonymously use the information you provide to us and from your experiences through the Services to continue Cube Financials’s research into successful business practices, as well as to improve the Services.

4. Proprietary Rights

Ownership of Proprietary Information. You hereby acknowledge and agree that standard Cube Financials is the owner of and has all rights to the Site and Services. You are permitted to use the Site and Services only as expressly authorized by these Terms. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Site or Services or technology. Content. All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Site is owned by Cube Financials and is protected by trade dress, copyright, trademark, and other property laws and unfair competition laws. Any misuse of the Content will be at your peril and Cube Financials will do all that is lawful to enforce and protect the Content. No Use of Confidential Information. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Site or Services, without first obtaining the prior written consent of the owner of such proprietary rights. License to Provided Content. By providing information or content to any Account or via the Site or Services, you automatically grant, and you represent and warrant that you have the right to grant, to Cube Financials and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Site in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.