Terms of Service

These Terms of Service ("Terms") form a binding agreement between Jon Lynch Financial Group, LLC ("JLFG", "we", "our") and the person or entity ("you", "Customer") accessing the Vault web application, dashboards, APIs, and associated services (collectively, the "Service"). By creating an account, clicking "I agree", or using the Service, you accept these Terms.

1. Acceptance & eligibility

You must be at least 18 years old, have the legal authority to bind your organization, and not be barred from receiving services under U.S. law. By using the Service you represent that all of those things are true. If you accept these Terms on behalf of an entity, you represent that you have authority to bind that entity, and "you" refers to both you and the entity.

2. The Service & what it does

Vault is a back-office platform for merchant cash advance ("MCA") brokers, ISO shops, and funding advisors. It provides:

• Deal pipeline tracking, document collection, and stage automation;
• Lender / funder matching, submission management, and decision tracking;
• Commission & split calculation, payout reporting;
• Client portals, communication templates, and audit logs.

Vault is a workflow tool. It does not originate, underwrite, fund, broker, purchase, or service merchant cash advances. Capital decisions are made by the funders you choose to integrate with — not by us.

3. Your account & security

You are responsible for the credentials you use to access the Service, all activity that happens under your account, and the security of any device used to access it. You must enable multi-factor authentication where offered, keep contact information current, and notify us promptly at hello@jonlynchfinancial.com of any suspected unauthorized access.

4. Customer data & merchant data

"Customer Data" means data you or your reps submit, plus data submitted by your merchants through portals you operate using the Service. As between you and us:

• You retain all rights, title, and interest in Customer Data.
• You grant us a worldwide, royalty-free license to host, copy, transmit, display, and process Customer Data solely to provide the Service, prevent fraud, comply with law, and improve product reliability.
• You are responsible for the lawfulness of Customer Data — including obtaining all merchant consents required for you to share their bank statements, identity documents, and credit information with us and with the funders you select.
• We process Customer Data in accordance with our Privacy Policy.

We do not sell Customer Data. We do not use Customer Data to train third-party AI models. We do not market to your merchants.

5. Acceptable use

You will not, and will not permit any user to:

• Use the Service to violate law, including consumer-protection, fair-lending, anti-money-laundering, sanctions, or unfair-and-deceptive-practices law;
• Submit falsified merchant information, forged bank statements, or fabricated identity documents;
• Attempt to access funder systems you are not authorized to access;
• Reverse-engineer, scrape, copy, or republish the Service or its UI;
• Resell access to anyone outside the legal entity that licensed the Service;
• Send unsolicited bulk messages to merchants ("cold blast SMS / email") through the Service;
• Upload malware, attempt to disrupt the Service, or probe its security except under a written authorization.

6. Fees & billing

The Service is offered on a free Solo tier and on paid Pro and Team tiers. Current pricing is at /pricing/. Paid tiers are billed monthly in advance. Fees are non-refundable except where required by law. Failure to pay may result in suspension. We may change pricing on 30 days' notice for paid plans; any change applies at your next billing cycle.

7. Funder integrations & third parties

The Service integrates with third-party funders, e-sign providers, bank-statement parsers, and CRM tools. Those services are governed by their own terms and privacy policies. We do not control them, do not guarantee their availability, and are not responsible for their decisions, fees, or outages. When you submit a deal to a funder via the Service, you are submitting to that funder, not to us.

8. No financial / legal advice

Anything in the Service — including lender match scores, indicative rates, suggested terms, and any AI-generated text — is informational, not legal, financial, or compliance advice. You are responsible for your own underwriting standards, disclosures, state-licensing posture, and compliance with the laws of every jurisdiction in which your merchants operate. We are not a licensed broker, lender, or money transmitter.

9. Confidentiality

Each party will protect the other's non-public, business-sensitive information using at least reasonable care, will use it only to perform under these Terms, and will not disclose it except to its personnel and contractors who need it and are bound to confidentiality. This does not apply to information that is public, independently developed, or required to be disclosed by law (with prompt notice where allowed).

10. Intellectual property

We own the Service, its underlying software, design, content, and trademarks. We grant you a non-exclusive, non-transferable, revocable license to use the Service during the term subject to these Terms. Feedback you give us about the Service may be used by us without obligation to you.

11. Term & termination

These Terms apply for as long as you use the Service. Either party may terminate for material breach with 30 days' written notice if the breach is uncured. We may suspend the Service immediately for security threats, payment failure, or violations of Section 5. You may export Customer Data within 30 days of termination by request. After that, we delete or de-identify Customer Data in accordance with the Privacy Policy.

12. Disclaimers & limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". WE DISCLAIM ALL WARRANTIES TO THE FULLEST EXTENT ALLOWED BY LAW, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT FUNDERS WILL APPROVE ANY DEAL, THAT MATCH SCORES ARE PREDICTIVE, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

TO THE EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED THE FEES PAID BY YOU TO US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR $100, WHICHEVER IS GREATER. NEITHER PARTY IS LIABLE FOR INDIRECT, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, OR DATA. THESE LIMITS DO NOT APPLY TO YOUR PAYMENT OBLIGATIONS, INDEMNITIES, OR INTELLECTUAL-PROPERTY VIOLATIONS.

13. Indemnification

You will defend, indemnify, and hold us harmless from third-party claims arising from (a) Customer Data, (b) your or your reps' violation of law or these Terms, (c) any merchant's claim against you, or (d) any funder's claim that you misrepresented a deal. We will defend, indemnify, and hold you harmless from third-party claims that the Service, used as permitted, infringes a U.S. patent, copyright, or trademark.

14. Governing law & arbitration

These Terms are governed by the laws of the State of Florida, without regard to conflicts-of-laws rules. Any dispute will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Rules, seated in Miami-Dade County, Florida. Either party may bring an individual claim in small-claims court. Class actions and class-wide arbitration are waived to the extent permitted by law. Either party may seek injunctive relief in court for IP or confidentiality violations.

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with a new "Last revised" date and (for active customers) emailed to your account-owner address at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance.

16. Contact

Questions about these Terms or the Service:

Jon Lynch Financial Group, LLC
Attn: Vault Legal
Email: hello@jonlynchfinancial.com
Security: hello@jonlynchfinancial.com