Terms & Conditions

Last Updated: January 1, 2024

Welcome to Afthonos Holdings LLC. By accessing our website or using our services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before proceeding.

1. Acceptance of Terms

By using our website, submitting a financing application, or engaging with our services in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree with any part of these Terms, you must not use our services.

2. Services Overview

Afthonos Holdings LLC is a direct business lender providing financing solutions including, but not limited to:

• Equipment financing
• Working capital loans
• Commercial mortgages
• Business expansion financing

All financing is subject to approval based on creditworthiness, business performance, and our internal underwriting criteria.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding contracts
• Operate a legitimate business or have a bona fide business purpose
• Provide accurate and complete information in all applications and communications

4. Application Process

When you submit a financing application:

• You authorize us to verify the information you provide
• You consent to credit checks and background investigations
• You agree that we may share your information with third-party service providers for verification purposes
• You understand that submitting an application does not guarantee approval or funding

5. Loan Terms and Conditions

If your financing application is approved:

• Specific terms will be outlined in a formal loan agreement or financing contract
• Interest rates, repayment schedules, and fees will be clearly disclosed before you accept funding
• You are responsible for reviewing and understanding all terms before signing
• Failure to repay according to the agreed-upon terms may result in additional fees, collection actions, or legal proceedings

6. SMS Terms & Conditions

7. Website Use and Restrictions

You agree not to:

• Use our website for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to our systems or networks
• Transmit viruses, malware, or other harmful code
• Scrape, copy, or reproduce our website content without permission
• Impersonate another person or entity
• Interfere with the proper functioning of our website

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Afthonos Holdings LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.

9. Third-Party Links

Our website may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party links is at your own risk.

10. Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:

• That our website will be uninterrupted, error-free, or secure
• The accuracy, completeness, or reliability of any information on our website
• That any particular financing application will be approved

11. Limitation of Liability

To the fullest extent permitted by law, Afthonos Holdings LLC and its affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless Afthonos Holdings LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any information you provide to us

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in High Point, North Carolina, in accordance with the rules of the American Arbitration Association.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any specific loan agreements, constitute the entire agreement between you and Afthonos Holdings LLC regarding your use of our services.

17. Contact Information

If you have questions or concerns about these Terms, please contact us:

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.