Terms & Conditions

Last updated: April 2025

1. Acceptance of Terms

By accessing and using the Churchfield Trading Company website (churchfield-trading-company.com) and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

2. Services

Churchfield Trading Company provides business lending and financial services. All lending products and services are subject to approval based on creditworthiness and other underwriting criteria.

3. Eligibility

To use our services, you must:

4. Use of Website

You agree to use our website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use of the website. Prohibited activities include hacking, data scraping, or transmitting malicious code.

5. Application Process

Submission of a funding application does not guarantee approval. All applications are subject to review, verification, and underwriting. We reserve the right to request additional information, deny applications, or modify terms at our sole discretion.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Churchfield Trading Company or its licensors and is protected by copyright and other intellectual property laws.

7. SMS & Text Message Terms

By opting in to receive SMS/text messages from Churchfield Trading Company, you consent to receive recurring marketing and promotional messages sent using an automated telephone dialing system (ATDS).

Message frequency varies. You may receive up to 4 messages per month.

Message and data rates may apply. Your carrier may charge you for each message received.

Reply STOP to opt out at any time. You will receive one final confirmation message.

Reply HELP for assistance or contact us at charles@churchfield-trading-company.com.

Consent is NOT a condition of purchase. You are not required to opt in to SMS communications to use our services or apply for funding.

8. Privacy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how we collect and use your information.

9. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Limitation of Liability

To the fullest extent permitted by law, Churchfield Trading Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.

11. Indemnification

You agree to indemnify and hold harmless Churchfield Trading Company and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses arising from your use of our services or violation of these Terms.

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website or services constitutes acceptance of the revised terms.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Churchfield Trading Company
Email: charles@churchfield-trading-company.com
California