1. Acceptance of These Terms
These Terms and Conditions (“Terms”) govern your access to and use of the Halcyon Financing website, forms, services, funding-matching tools, communications, and related services collectively referred to as the “Services.”
By accessing the website, submitting information, requesting financing options, or otherwise using the Services, you acknowledge that you have read, understood, and agreed to these Terms.
If you do not agree with these Terms, you should not use the Services or submit information through the website.
2. About Halcyon Financing
Halcyon Financing provides business-financing comparison, referral, and matching services designed to help businesses identify potential financing options.
Halcyon Financing is not a bank and, unless expressly stated otherwise, is not a direct lender.
Potential financing products may include:
- Working capital
- Business lines of credit
- Term loans
- Equipment financing
- Invoice financing
- Revenue-based financing
- Other commercial financing products
3. No Guarantee of Financing
Halcyon Financing does not guarantee approval, financing availability, a particular rate, financing amount, repayment term, funding speed, or approval by any particular provider.
Each financing provider maintains its own underwriting standards, eligibility criteria, pricing, fees, approval policies, and funding procedures.
4. No Financial, Legal, or Tax Advice
Information provided through Halcyon Financing is for general informational and comparison purposes only. Nothing available through the Services constitutes legal, tax, accounting, investment, or financial advice.
You are responsible for evaluating whether a financing product is suitable for your business and should review all financing terms before accepting any offer.
5. Information You Provide
When using Halcyon Financing, you may provide information about yourself or your business, including:
- Name and business name
- Email address and telephone number
- Business address, type, and industry
- Requested funding amount and intended use of funds
- Time in business
- Monthly or annual revenue
- Business bank activity
- Existing financing obligations
- Credit or repayment information
- Ownership or identification information
- Financial documents voluntarily submitted by you
You represent that all information you submit is accurate, current, complete, and provided lawfully.
6. Confidentiality and Privacy Commitment
Halcyon Financing treats nonpublic information submitted by users as confidential business information.
We do not sell applicant information to unrelated data brokers, unrelated advertisers, or unrelated third parties for their independent general marketing purposes.
Information may be used or disclosed only for legitimate purposes connected with operating the Services, responding to your request, facilitating potential financing, protecting the platform, complying with law, or as otherwise described in these Terms.
8. Referral Compensation
Halcyon Financing may have commercial relationships with financing providers or partners and may receive compensation when a user is referred, applies, receives financing, completes a transaction, or otherwise engages with a financing partner.
Halcyon Financing does not guarantee that every financing provider or product available in the market will be presented.
9. Credit Information
Certain financing products may require review of credit or repayment history. Where a credit report or similar information requires separate authorization under applicable law, the required authorization should be obtained before such information is requested.
A third-party financing provider may separately request authorization to obtain credit information as part of its underwriting process.
10. Security of Information
Halcyon Financing takes commercially reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure.
These measures may include, where appropriate:
- Restricted access to applicant information
- Secure hosting infrastructure
- Authentication and access controls
- Encryption during transmission
- Security monitoring
- Service-provider security requirements
- Confidentiality requirements
No internet transmission, computer system, cloud platform, or electronic storage system can be guaranteed to be completely secure.
11. Data Retention
Halcyon Financing may retain information for as long as reasonably necessary to process financing inquiries, maintain business records, provide customer service, prevent fraud, resolve disputes, comply with legal obligations, and enforce agreements.
12. Privacy Rights
Depending on applicable law, you may have rights to request access, correction, deletion, restriction, or additional information regarding personal information we maintain about you.
We may take reasonable steps to verify your identity before responding to a privacy-related request.
13. Communications
When you provide an email address or telephone number in connection with a financing request, you authorize Halcyon Financing to contact you regarding that request, subject to applicable law.
Communications may include application updates, requests for additional information, financing opportunities, customer service messages, and security notifications.
14. Third-Party Financing Providers
Financing providers introduced through Halcyon Financing are independent third parties. Halcyon Financing does not control their underwriting decisions, rates, fees, collateral requirements, repayment schedules, contract terms, servicing practices, collection procedures, or privacy practices.
Once you provide information directly to a financing provider, that provider's own privacy policy and agreements may govern its use of your information.
15. Third-Party Websites
The Services may contain links to websites operated by third parties. Halcyon Financing is not responsible for third-party websites, their content, security, availability, products, terms, or privacy practices.
16. Eligibility and Authority
You may use the Services only if you have legal capacity to enter into a binding agreement. If you submit information on behalf of a business, you represent that you have authority to act for that business.
17. Prohibited Use
You may not use the Services to:
- Commit or facilitate fraud
- Provide intentionally false or misleading information
- Impersonate another person or business
- Submit information without authorization
- Attempt unauthorized access to our systems
- Introduce malware or malicious code
- Circumvent website security
- Use the Services for unlawful purposes
18. Intellectual Property
Unless otherwise stated, the Halcyon Financing website, branding, design, graphics, software, text, logos, and other original materials are owned by or licensed to Halcyon Financing and are protected by applicable intellectual-property laws.
19. Website Availability and Accuracy
Halcyon Financing does not guarantee that the website will always be available, uninterrupted, error-free, or free from technical issues.
Financing products and provider requirements may change. Users should rely on final written disclosures and agreements supplied by the actual financing provider before entering into a transaction.
20. Limitation of Liability
To the maximum extent permitted by applicable law, Halcyon Financing and its owners, officers, employees, affiliates, contractors, representatives, and service providers will not be liable for indirect, incidental, consequential, exemplary, punitive, or special damages arising from your use of the Services.
Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.
21. No Liability for Financing-Provider Decisions
Halcyon Financing is not responsible for an independent financing provider's decision to approve, deny, modify, withdraw, suspend, or condition an offer.
22. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Halcyon Financing and its owners, employees, contractors, representatives, and affiliates from third-party claims resulting from your fraudulent use of the Services, violation of these Terms, violation of law, or infringement of another person's rights.
23. Fraud Prevention and Verification
Halcyon Financing may take reasonable steps to verify information and protect users, partners, and the platform from fraud, identity theft, money laundering, cybercrime, and other unlawful activity.
24. Corporate Transactions
If Halcyon Financing undergoes a merger, acquisition, restructuring, financing, or sale of business assets, information may be transferred as part of that transaction subject to applicable confidentiality and legal requirements.
25. Children
Halcyon Financing provides commercial financing services intended for businesses and adults authorized to act on behalf of businesses. The Services are not directed toward children or minors.
26. Changes to These Terms
Halcyon Financing may revise these Terms periodically to reflect changes to our Services, technology, business relationships, or legal and regulatory requirements.
Material revisions will be reflected by an updated “Last Updated” date.
27. Severability
If any provision of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.
28. No Waiver
A failure by Halcyon Financing to enforce any provision of these Terms does not constitute a waiver of that provision or of our right to enforce it later.
29. Governing Law
These Terms will be governed by the laws of [INSERT STATE / COUNTRY], except where applicable law requires otherwise.
30. Dispute Resolution
Before commencing formal legal proceedings, the parties should make a reasonable good-faith effort to resolve disputes informally where permitted by applicable law.
31. Entire Agreement
These Terms, together with any Privacy Policy, consent disclosures, application authorizations, and other terms specifically presented in connection with the Services, govern your use of Halcyon Financing.
32. Contact Us
Privacy Commitment
We take the confidentiality of your business information seriously.
We do not intentionally publish your confidential application information or release it to the general public. We do not sell applicant information to unrelated data brokers, unrelated advertisers, or unrelated third parties for independent general marketing purposes.
Relevant information may be shared with selected financing partners, service providers, professional advisers, or authorities only when reasonably necessary to provide the Services, protect the platform, comply with law, or fulfill the purposes described in these Terms.