Terms & Conditions

Please read these Terms and Conditions ("Terms") carefully before using the website located at crossatlanticfinancial.com or any services provided by Cross Atlantic Financial LLC ("Cross Atlantic Financial," "we," "us," or "our"). By accessing our website or submitting an application, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. Acceptance of Terms

By accessing and using our website, you confirm that you are at least 18 years of age, have the legal authority to enter into binding agreements on behalf of yourself or a business entity, and agree to comply with these Terms and all applicable laws and regulations.

2. Description of Services

Cross Atlantic Financial LLC is a direct business lender offering working capital loans, equipment financing, revenue-based financing, invoice financing, business term loans, and business lines of credit to qualifying small and medium-sized businesses. We are not a bank, credit union, or mortgage lender. All financing is subject to underwriting approval, eligibility requirements, and applicable state and federal regulations.

We do not offer consumer loans, personal loans, student loans, or mortgage products. Our services are exclusively for business purposes.

3. Application and Eligibility

Submitting an application does not guarantee approval or commitment to fund. All applications are subject to our underwriting review, verification of provided information, and final credit decision. We reserve the right to decline applications at our sole discretion without disclosure of specific reasons, subject to applicable fair lending laws.

By submitting an application, you represent that all information provided is accurate, complete, and not misleading. Providing false or materially inaccurate information may result in application denial and may violate applicable laws.

4. SMS Text Message Terms

5. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, audio clips, and software — is the property of Cross Atlantic Financial LLC or its content suppliers and is protected by United States and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent.

6. Website Use and Prohibited Conduct

You agree to use this website only for lawful purposes. You may not:

• Use the site in any way that violates applicable local, state, national, or international laws or regulations
• Transmit unsolicited commercial communications (spam)
• Attempt to gain unauthorized access to any part of the website or its related systems
• Introduce viruses, trojans, worms, or other malicious code
• Scrape, data-mine, or systematically harvest information from our website
• Impersonate any person or entity or falsely represent your affiliation with any person or entity

7. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our website, you consent to the collection and use of information as described in our Privacy Policy.

8. No Financial or Legal Advice

9. Limitation of Liability

To the fullest extent permitted by applicable law, Cross Atlantic Financial LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, revenue, data, or business — arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount of fees paid by you to Cross Atlantic Financial LLC in the twelve (12) months preceding the claim.

10. Disclaimer of Warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of third-party sites and accept no responsibility for their content, privacy practices, or availability. The inclusion of any link does not imply our endorsement of the linked site.

12. Indemnification

You agree to defend, indemnify, and hold harmless Cross Atlantic Financial LLC and its affiliates, officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, and expenses arising from: (a) your use of and access to the website; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; or (d) any claim that information you provided caused damage to a third party.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or your use of our services shall be resolved exclusively in the state or federal courts located in Lancaster County, Pennsylvania, and you consent to personal jurisdiction in such courts.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of the website following any such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cross Atlantic Financial LLC regarding your use of this website and supersede all prior agreements, representations, and understandings.

17. Contact Information