Terms of Use

Agreement to Terms

By accessing or using the OrchiFunds website (the "Site") or any services provided through the Site (collectively, the "Services"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Services.

Description of Services

OrchiFunds is a loan marketplace that connects consumers with potential lenders. We are NOT a lender and do not make credit decisions. We do not guarantee that you will receive a loan offer or that any lender will approve your application. Loan terms, including interest rates and fees, are determined by the lender, not by OrchiFunds.

Eligibility

To use our Services, you must:

• Be at least 18 years old
• Be a legal resident of the United States
• Have a valid email address
• Have a bank account in your name
• Not be a resident of a state where our Services are prohibited

User Responsibilities

By using our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account information
• Notify us immediately of any unauthorized access to your account
• Use the Services only for lawful purposes
• Not impersonate any person or entity
• Not interfere with the proper functioning of the Site

No Guarantee of Loan Approval

We make no guarantee that you will be matched with a lender or receive a loan. Loan approval depends on various factors determined by individual lenders, including but not limited to your credit history, income, and other financial information.

Third-Party Lenders

If you receive a loan offer through our Services, the loan will be provided by a third-party lender. You should carefully review all terms and conditions provided by the lender before accepting any loan offer. OrchiFunds is not responsible for the actions or policies of any lender.

Credit Checks

When you submit a request through our Services, we may perform a "soft" credit inquiry that will not affect your credit score. However, if you proceed with a lender's offer, the lender may perform a "hard" credit inquiry, which may impact your credit score.

Intellectual Property

All content on our Site, including text, graphics, logos, and software, is the property of OrchiFunds or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.

Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ORCHIFUNDS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

Indemnification

You agree to indemnify and hold OrchiFunds, its affiliates, and their respective officers, directors, employees, and agents harmless from any claims, losses, or damages arising from your use of the Services or violation of these Terms.

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.

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 our Site. Your continued use of the Services after such changes constitutes acceptance of the new Terms.

Contact Information

For questions about these Terms, please contact us at: