APEXCommercial Funding

Legal

Privacy Policy & Disclosures

Effective date: [DATE] [ATTORNEY REVIEW]

Draft placeholder text. Everything on this page is a starting draft and must be reviewed and finalized by a licensed attorney before the site goes live. Bracketed items need to be completed.

1. Who we are

Apex Commercial Funding ("Apex," "we," "us") is a commercial finance brokerage and advisory firm. Contact: James Fillmore, james@apexcommercialfunding.com, 240-535-9291. [ATTORNEY REVIEW]

2. Not a lender; no commitment

Apex is not a bank, direct lender, or broker-dealer. We help businesses and investors prepare financing requests and introduce them to third-party funding sources. Submitting an application, inquiry, or documents does not create a commitment to lend, invest, or provide services, and does not guarantee approval, rates, or terms. All financing is subject to the independent underwriting and approval of third-party funding sources. [ATTORNEY REVIEW]

3. Commercial purpose only

Our services and this website are for business and commercial purposes only, not for personal, family, or household purposes. [ATTORNEY REVIEW]

4. Securities disclaimer

Nothing on this website is an offer to sell, or a solicitation of an offer to buy, any security. Apex does not offer or sell securities through this website. Any securities offering by a company or sponsor we work with will be made only through that issuer's offering documents, to eligible investors, and in compliance with applicable securities laws. Information submitted through the Equity Raising application is used only to evaluate the request. [ATTORNEY REVIEW]

5. Information we collect

Do not submit full Social Security numbers, bank login credentials, or passwords through this website.

6. How we use and share information

We use your information to evaluate and structure your request, communicate with you, and introduce your request to prospective lenders, investors, and service providers you authorize. We may use software tools, including automated and AI-assisted tools, to organize and review submissions; a person reviews every file before it is presented to a funding source. We do not sell personal information. [Describe service providers, retention periods, and any other disclosures.] [ATTORNEY REVIEW]

7. Text messages and calls

If you opt in to text messages, you may receive messages about your application. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Consent is not a condition of any service. [ATTORNEY REVIEW]

8. Data security and retention

We use reasonable administrative, technical, and physical safeguards to protect information. No method of transmission or storage is completely secure. We keep information for as long as needed for the purposes described here or as required by law. [Specify retention schedule.] [ATTORNEY REVIEW]

9. Your choices and state privacy rights

You may ask to access, correct, or delete your information by contacting james@apexcommercialfunding.com. Residents of certain states may have additional rights. [Add state-specific language as advised by counsel.] [ATTORNEY REVIEW]

10. Commercial financing disclosures and licensing

Certain states require specific disclosures for commercial financing offers, and some require brokers to be licensed or registered. Any required disclosures will be provided by the funding source or by Apex at the time of an offer. [Insert license numbers and state notices as applicable.] [ATTORNEY REVIEW]

11. Fees

[Describe how Apex is compensated, such as broker or advisory fees paid by the client or the funding source, and when fees are earned.] [ATTORNEY REVIEW]

12. Website terms

Content on this website is for general information only and is not legal, tax, accounting, or investment advice. Examples and descriptions of financing programs are illustrative, and availability, terms, and requirements vary. [Add limitation of liability, governing law, and other terms of use.] [ATTORNEY REVIEW]

13. Changes to this policy

We may update this page from time to time. The effective date above shows when it was last revised. [ATTORNEY REVIEW]