These Terms and Conditions ("Terms") govern your use of the Optimal Networking Enterprises LLC website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
1. Use of Website
Permitted Use
You may use our website for lawful purposes related to exploring and applying for business financing services. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Transmit any harmful code, viruses, or malicious software
- Attempt to gain unauthorized access to our systems or networks
- Interfere with the proper functioning of the website
- Impersonate any person or entity or misrepresent your affiliation
- Use automated systems to access the website without our permission
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Optimal Networking Enterprises LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
2. Services and Application Process
No Guarantee of Approval
Submission of a funding application does not guarantee approval. All applications are subject to our underwriting standards, verification processes, and business criteria. We reserve the right to accept or decline any application at our sole discretion.
Accuracy of Information
You represent and warrant that all information provided in your application is accurate, complete, and current. Providing false or misleading information may result in immediate disqualification and potential legal consequences.
Credit Authorization
By submitting an application, you authorize us to obtain credit reports, verify information with third parties, and conduct due diligence as necessary to evaluate your request.
3. SMS Terms & Conditions
Text Messaging Program
By opting in to receive text messages from Optimal Networking Enterprises LLC, you agree to the following terms:
Consent: You expressly consent to receive recurring marketing and promotional SMS/MMS messages from Optimal Networking Enterprises LLC sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, product information, and other communications about our financial services.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply according to your mobile carrier's plan. Check with your carrier for details.
Supported Carriers: The service is available on major U.S. carriers. Carriers are not liable for delayed or undelivered messages.
How to Stop: Reply STOP to any message to opt out. You will receive a confirmation message. After opting out, you will no longer receive SMS messages from us unless you re-subscribe.
Help: Reply HELP for assistance or contact us at taneshia@optimal-networking-enterprises.com.
Consent is NOT a Condition of Purchase: You are not required to consent to receive marketing text messages as a condition of purchasing any goods or services from Optimal Networking Enterprises LLC. Alternative methods of contact and service access are available.
Privacy: We respect your privacy. Your mobile number and opt-in data will not be shared with third parties for their marketing purposes. See our Privacy Policy for details on how we handle your information.
4. Fees and Costs
There is no fee to submit a funding application or receive a quote. If your application is approved and you accept our funding offer, fees and costs will be clearly disclosed in your loan or financing agreement. These may include:
- Origination fees
- Processing fees
- Interest or factor rates
- Late payment fees (if applicable)
All fees and terms will be provided in writing before you commit to any funding agreement.
5. Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:
- Warranties of merchantability or fitness for a particular purpose
- Warranties that the website will be uninterrupted, error-free, or secure
- Warranties regarding the accuracy or reliability of information
We do not warrant that the website will meet your requirements or that any errors will be corrected.
6. Limitation of Liability
To the fullest extent permitted by law, Optimal Networking Enterprises LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of our website or services.
Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you paid us, if any, in the twelve months preceding the claim.
7. Indemnification
You agree to indemnify, defend, and hold harmless Optimal Networking Enterprises LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or related to:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of another party
- Any false or misleading information you provide
8. Third-Party Links
Our website may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy policies, or practices of these external sites. Accessing third-party links is at your own risk.
9. Governing Law and Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles.
Dispute Resolution
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Sandusky County, Ohio. You waive any right to a jury trial or to participate in a class action lawsuit.
10. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of our website or services after such changes constitutes acceptance of the modified Terms.
It is your responsibility to review these Terms periodically. If you do not agree to any changes, you must discontinue using our services.
11. Termination
We reserve the right to suspend or terminate your access to our website and services at any time, with or without notice, for any reason, including but not limited to:
- Violation of these Terms
- Fraudulent or illegal activity
- Provision of false information
- Behavior that harms or threatens other users or our business
12. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
13. Entire Agreement
These Terms, together with our Privacy Policy and any other written agreements, constitute the entire agreement between you and Optimal Networking Enterprises LLC regarding your use of our website and services, and supersede all prior or contemporaneous communications.
14. Contact Information
If you have questions about these Terms or our services, please contact us:
Optimal Networking Enterprises LLC
1907 Croghan St
Fremont, OH 43420
Email: taneshia@optimal-networking-enterprises.com
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.