Terms of Service

1. INTRODUCTION

These Terms of Service (“Terms”) govern your access to and use of the website, software platform, and services provided by Four Corner Funding™ (a product of Four Corner Holdings, LLC) (“Company,” “we,” “our,” or “us”).

By accessing or using the platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the platform or services.

2. PLATFORM DESCRIPTION (B2B FINTECH POSITIONING)

Four Corner Funding operates as a business-to-business (B2B) fintech platform designed to support business credit development, underwriting preparation, and funding eligibility positioning.

Services may include:

• Business Credit Building Programs (Tier 0–Tier 4)
• Underwriting & Prequalification Engine
• Document Management & CRM Tools
• Partner & White-Label Platform Access

Important Disclosure:

The platform may involve the review of personal credit data of business owners (e.g., personal guarantors) strictly for underwriting and funding eligibility purposes. The Company does not provide consumer credit repair services.

No guarantees are made regarding credit outcomes, approvals, funding amounts, or reporting behavior.

3. PLATFORM GOVERNANCE & DATA CONTROLS

The platform operates under strict system controls, including but not limited to:

• Role-Based Access Control (RBAC)
• Multi-tenant data isolation
• Cost-protected API and bureau integrations
• Underwriting approval gating for data access

Users acknowledge and agree that:

• They may not initiate or trigger external data pulls, including credit bureau requests
• All third-party data access is controlled exclusively by the Company
• Data refresh cycles are governed by system rules and third-party limitations
• Platform activity may be monitored, logged, and audited for compliance and fraud prevention

4. PAYMENT TERMS

All fees are due as outlined at the time of purchase or enrollment.

Program Fees:

• Client Enrollment: $2,497 or installment plan
• Certified Partner: $4,997 or installment plan + SaaS fee
• White-Label Partner: $7,997 or installment plan + SaaS fee
• Client Activation Fee (Partners): $800 per borrower

Payments may be processed as one-time or recurring charges depending on selected plan.

Payment Enforcement:

• Failure, reversal, or chargeback constitutes a material breach
• The Company reserves the right to suspend access immediately
• Outstanding balances may be accelerated and become immediately due
• The Company may pursue legal remedies, including collection costs and attorney fees

All sales are final unless otherwise stated in a written agreement.

5. CLIENT & PARTNER RESPONSIBILITIES

Users agree to:

• Provide accurate and complete information
• Use the platform for lawful business purposes only
• Maintain account security and confidentiality
• Avoid misrepresentation of affiliation or services

Partners agree to:

• Operate within approved use cases
• Not resell or represent the platform beyond authorized scope
• Comply with all applicable laws and platform policies

6. CREDIT & DATA AUTHORIZATION

By using the platform, you authorize the Company to:

• Access business and/or personal credit data where applicable
• Share information with third-party service providers, bureaus, or funding sources

All personal credit access will be conducted via compliant soft-pull methods unless separate consent is obtained.

7. NO GUARANTEE / NO ADVICE DISCLAIMER

The Company does not guarantee:

• Credit score improvements
• Tradeline reporting outcomes
• Funding approvals or terms

All outcomes depend on third parties, user actions, and external factors.

The platform does not provide legal, tax, or financial advice. Users are responsible for seeking independent professional guidance.

8. PARTNER RELATIONSHIP DISCLAIMER

Certified and White-Label Partners operate as independent entities. The Company is not responsible for:

• Partner representations or communications
• Fees charged by partners
• Actions taken by partners outside the platform

9. INTELLECTUAL PROPERTY

All platform content, systems, software, and documentation are the exclusive property of Four Corner Holdings, LLC. Users may not:

• Copy, reproduce, or distribute content
• Reverse engineer platform functionality
• Use materials outside permitted scope

White-label rights are limited to approved branding usage only.

10. ACCOUNT SUSPENSION & TERMINATION

The Company reserves the right to:

• Suspend or terminate accounts at its sole discretion
• Restrict access for non-payment, misuse, or fraud
• Revoke access without refund in cases of material breach

11. LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Company is not liable for:

• Third-party funding decisions
• Credit bureau inaccuracies
• Loss of business or revenue
• Indirect, incidental, or consequential damages

Use of the platform is at your own risk.

12. GOVERNING LAW & DISPUTE RESOLUTION

These Terms are governed by the laws of the State of Florida.

Any disputes shall be resolved through binding arbitration in Tampa, Florida, unless otherwise required by law.

13. MODIFICATIONS TO TERMS

The Company reserves the right to update these Terms at any time.

Continued use of the platform constitutes acceptance of revised Terms.

14. CONTACT INFORMATION

Four Corner Holdings, LLC
3750 Gunn Highway, Suite 306
Tampa, FL 33618
support@fourcornerfunding.com
813-391-3333
www.fourcornerfunding.com