Terms & Conditions

Welcome to HRL Investor LLC. These Terms & 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 submitting a funding application, creating an account, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding contracts
• Operate a legitimate business entity (sole proprietorship, LLC, corporation, etc.)
• Provide accurate and complete information during the application process

3. Services Provided

HRL Investor LLC is a direct business lender offering the following financial products:

• Working Capital Loans
• Revenue-Based Financing
• Equipment Financing
• Other business funding solutions as determined on a case-by-case basis

All funding is subject to underwriting approval, creditworthiness evaluation, and compliance with our lending criteria. We reserve the right to deny any application at our sole discretion.

4. Application Process

When you submit a funding application, you agree to:

• Provide truthful, accurate, and complete information
• Authorize us to verify information through third-party sources (credit bureaus, bank statements, etc.)
• Respond promptly to requests for additional documentation
• Notify us immediately of any changes to your contact or business information

Providing false or misleading information may result in application denial, account termination, and potential legal action.

5. Fees and Costs

All fees, interest rates, and repayment terms will be clearly disclosed in your funding agreement before you accept any offer. Costs may include:

• Origination fees
• Interest charges or factor rates
• Late payment fees (if applicable)
• Third-party processing fees

You are responsible for reviewing and understanding all terms before accepting funding.

6. Repayment Obligations

By accepting funding from HRL Investor LLC, you agree to:

• Repay the full amount owed according to the agreed-upon schedule
• Maintain sufficient funds in your designated bank account for automatic withdrawals (if applicable)
• Notify us immediately if you anticipate any difficulty making payments
• Not engage in any fraudulent activity or misuse of funds

Failure to meet repayment obligations may result in default, additional fees, legal action, and negative impact to your credit.

7. SMS & Text Messaging Terms

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of HRL Investor LLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

9. Prohibited Uses

You agree not to use our website or services for any unlawful or prohibited purpose, including but not limited to:

• Fraudulent or deceptive activities
• Violating any local, state, or federal laws
• Transmitting viruses, malware, or other harmful code
• Interfering with the operation of our website or servers
• Attempting to gain unauthorized access to our systems

10. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of these external sites. Accessing third-party links is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, HRL Investor LLC and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless HRL Investor LLC from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

13. Dispute Resolution

Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will take place in Watervliet, New York, and both parties waive the right to a jury trial.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.

16. Termination

We may suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, all outstanding balances become immediately due and payable.

17. Severability

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

18. Entire Agreement

These Terms, together with our Privacy Policy and any funding agreement you enter into, constitute the entire agreement between you and HRL Investor LLC regarding your use of our services.

19. Contact Information

If you have questions about these Terms & Conditions, please contact us:

HRL Investor LLC
2121 Fourth Ave 1st Floor
Watervliet, NY 12189
Email: harley@thehrlinvestor.com