Terms & Conditions

Effective Date: January 1, 2025

Welcome to Monarch Company LLC ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Acceptance of Terms

By accessing our website or submitting a funding application, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Services Overview

Monarch Company LLC is a direct business lender providing:

• Working capital loans
• Equipment financing
• Revenue-based financing
• Other commercial lending solutions

All funding applications are subject to credit approval, underwriting, and verification of information provided. Approval is not guaranteed, and terms may vary based on creditworthiness, business performance, and other factors.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be authorized to represent and bind the business entity applying for funding
• Provide accurate, complete, and truthful information
• Operate a legitimate business entity in good standing

4. Application Process

When you submit a funding application, you authorize us to:

• Verify the information provided through third-party sources
• Obtain credit reports and financial information
• Contact references and financial institutions
• Retain and use the information for underwriting, compliance, and future marketing (subject to your communication preferences)

Submitting an application does not constitute a binding commitment from either party. Funding agreements are subject to final underwriting, documentation, and mutual acceptance of terms.

5. Use of Website

You agree to use our website only for lawful purposes and in compliance with these Terms. You agree not to:

• Provide false, misleading, or fraudulent information
• Interfere with or disrupt the operation of the website
• Attempt to gain unauthorized access to our systems or data
• Use automated systems (bots, scrapers) without our prior written consent

6. SMS Terms & Conditions

If you opt in to receive SMS or text messages from Monarch Company LLC, the following terms apply:

• Consent: By opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Monarch Company LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
• Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
• Costs: Message and data rates may apply. Standard messaging rates from your carrier will apply.
• Opt-Out: You may opt out at any time by replying STOP to any message. You will receive a one-time confirmation of your opt-out.
• Help: For help or more information, reply HELP to any message or contact us at fidencio@the-monarch-company.com.
• Not a Condition of Purchase: Consent is NOT a condition of purchase or service. You may still access our services without opting in to SMS communications.
• Carrier Limitations: We are not liable for delayed or undelivered messages due to carrier or network issues.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Monarch Company LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.

8. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or control the content of these sites and are not responsible for their privacy practices or terms of use. Use of third-party websites is at your own risk.

9. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that our website will be uninterrupted, error-free, or secure.

10. Limitation of Liability

To the fullest extent permitted by law, Monarch Company LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to lost profits, business interruption, or loss of data.

11. Indemnification

You agree to indemnify, defend, and hold harmless Monarch Company LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney fees) arising out of or related to:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or misleading information you provide

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will post updated Terms on this page with a revised effective date. Your continued use of our website after such changes constitutes your acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms shall be resolved in the state or federal courts located in Palm Beach County, Florida.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Monarch Company LLC regarding the use of our website and services, and supersede all prior agreements and understandings.

16. Contact Information

If you have questions or concerns about these Terms, please contact us:

Monarch Company LLC
13 West Coconut Drive
Lake Worth, FL 33467
Email: fidencio@the-monarch-company.com