CashPulse Partners — Terms of Service

Effective Date: October 21, 2025 (Updated)

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1. Introduction

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Welcome to CashPulse Partners (“CashPulse,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, marketplace, and services. By accessing or using our site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, discontinue use immediately.

 

CashPulse Partners operates as a business funding brokerage and marketplace, not a direct lender or funder. We connect small and medium-sized businesses in the United States and Canada with vetted third-party funding sources. All funding decisions, rates, and terms are determined solely by those third-party funders.

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2. Scope of Services

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Our platform facilitates introductions between businesses seeking working capital and independent funders, lenders, and merchant cash advance providers. CashPulse Partners does not itself extend credit or make lending decisions.

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We collect basic business information to assist in matching your company with suitable funding options.

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We do not provide loans, legal advice, accounting, or debt restructuring services.

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3. Eligibility

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To use our services, you must:

 

• Be at least 18 years of age (or the age of majority in your province or state);

• Operate a valid business entity within the United States or Canada;

• Have lawful authority to enter into binding agreements on behalf of that business.

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4. No Guarantee of Funding

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Submitting an application through CashPulse Partners does not guarantee approval or funding.

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Each third-party funder or financing partner independently reviews applications, sets underwriting standards, and determines eligibility, pricing, and offer terms.

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CashPulse Partners is not responsible for any funding decision or denial by a third-party partner.

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5. Compliance With U.S. and Canadian MCA & Commercial Financing Laws

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CashPulse Partners complies with all current U.S. and Canadian Merchant Cash Advance and commercial financing laws, including new and pending 2025 updates.

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Our internal compliance and broker registration policies are designed to align with disclosure, transparency, and fair-practice standards in every jurisdiction where our partners operate.

 

United States:

We adhere to evolving MCA and commercial disclosure statutes, including but not limited to:

 

• California: SB 1235 — Commercial Financing Disclosure Law

• New York: N.Y. Fin. Serv. Law § 801 et seq. — MCA Disclosure and Fair Practices Act

• Connecticut: 2024–2025 MCA Registration and Transparency Requirements

• Utah: Commercial Financing Registration and Disclosure Act

• Virginia: HB 1027 — Commercial Financing Disclosure Law

• Texas: 2025 Commercial Sales-Based Financing Registration Law (effective Sept. 1 2025)

• Florida: 2025 MCA Regulation and Truth-in-Funding Standards

• Georgia: 2025 MCA Fair Practices Amendment

• Maryland: Commercial Financing Disclosure & Enforcement Act (effective Oct 2025)

• Colorado, Illinois, New Jersey, Oregon, North Carolina, and others with newly enacted MCA transparency or registration rules.

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Canada:

CashPulse Partners and its Canadian affiliates observe applicable federal and provincial commercial-financing and privacy statutes, including:

 

• Canada’s Consumer Privacy Protection Act (CPPA) and Personal Information Protection and Electronic Documents Act (PIPEDA);

• Provincial Fair Business and Financing Acts in Ontario, British Columbia, Alberta, Quebec, Saskatchewan, Manitoba, and Nova Scotia, addressing transparency, fair-practice, and disclosure obligations for small-business finance providers.

 

Our marketplace practices are reviewed regularly to esure compliance with updated federal and provincial obligations, including Quebec’s Bill 25 data-protection framework and other 2025 legislative reforms affecting digital financial services.

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6. Representations & Warranties

 

By using our services, you represent and warrant that:

 

• All information you submit is accurate, complete, and truthful;

• You have legal authority to act on behalf of your business;

• You understand that CashPulse Partners acts solely as a referral broker and not as a lender or funding entity.

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7. Third-Party Relationships

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Our platform connects you with external funders and brokers. CashPulse Partners is not responsible for their decisions, disclosures, or conduct. Any contracts, disputes, or liabilities that arise between you and a third-party funder are your responsibility and are governed by that funder’s own terms and conditions.

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8. Limitation of Liability

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To the fullest extent permitted by applicable law, CashPulse Partners, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our platform or participation in any funding transaction.

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Our total aggregate liability shall not exceed the total fees (if any) you paid to CashPulse Partners within the twelve (12) months preceding the claim.

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9. No Financial, Legal, or Tax Advice

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All information on our platform is provided strictly for general informational purposes. CashPulse Partners does not provide professional advice of any kind. Businesses should seek independent counsel, accountants, or licensed advisors before entering into any financial or contractual arrangement.

 

10. Privacy & Data Handling

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CashPulse Partners follows all applicable U.S. and Canadian data privacy laws, including:

 

• U.S. 2025 privacy statutes: California (CCPA/CPRA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Virginia (VCDPA), Iowa (ICDPA), Indiana (INCDPA), Oregon (OCPA), Montana (MTCDPA), Texas (TDPSA), and Maryland (2025 Digital Data Privacy Act).

• Canada: Federal PIPEDA and CPPA (anticipated 2025), plus provincial privacy statutes such as Quebec’s Law 25, Alberta’s PIPA, and British Columbia’s PIPA.

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We implement commercially reasonable technical and organizational measures to safeguard your information in compliance with these laws.

 

11. Termination

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We may suspend or terminate your access to our website or services at any time for any reason, including violations of these Terms or suspected fraudulent or unlawful activity.

 

12. Changes to Terms

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We may modify these Terms at any time to reflect changes in law, regulation, or business practice. Updated Terms will be posted with a new effective date. Continued use after posting signifies your acceptance of the changes.

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13. Governing Law & Dispute Resolution

 

These Terms are governed by:

 

• U.S. users: the laws of the State of Connecticut;

• Canadian users: the laws of the Province of Ontario, and applicable federal laws of Canada.

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Any disputes shall be resolved through binding arbitration in the appropriate jurisdiction (Connecticut for U.S. users / Toronto, Ontario for Canadian users), unless otherwise prohibited by law.

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14. Contact Information

Legal & Compliance Department – CashPulse Partners
Email: cashpulsepartners@gmail.com
Online: www.cashpulsepartners.com
Phone: 860-853-3000
Mail: 777 West Putnam Avenue Greenwich, CT 06830

 

CashPulse AuditPro

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CashPulse AuditPro is an independent Merchant Cash Advance (MCA) Contract Review Service dedicated exclusively to reviewing and auditing MCA agreements. We do not engage in any form of consolidation, debt settlement, escrow programs, stop payment strategies, or any related financial restructuring activities. Our sole purpose is to bridge the gap between merchants and funders by providing research, reconciliation, and audit-based insights into contractual inefficiencies and potential compliance violations.

 

CashPulse AuditPro uses advanced audit technology and compliance review methods to identify overpayments, expose reconciliation errors, and support fair and transparent business practices. Our process encourages reconciliation in MCA-related disputes through evidence-based repayment reviews and overpayment recovery, fostering a fairer and more compliant MCA environment.

 

CashPulse AuditPro does not provide accounting, financial, business, legal, or personal advice. Any information, reports, or resources provided are for informational purposes only and should not be considered a substitute for professional guidance. Clients are strongly advised to consult with qualified advisors, attorneys, or other professionals before taking any action based on our analysis or findings.

 

CashPulse AuditPro assumes no liability for any actions, decisions, or outcomes arising from the use of our services. Our role is strictly limited to contract analysis, reconciliation, and providing research-based insights into MCA agreements. By using our services, you acknowledge and agree to these terms and limitations.

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By using CashPulse Partners’ website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

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End of Terms of Service

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