Welcome to HMW Consulting Co. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our services.
2. Services
HMW Consulting Co provides business financing and lending services. Our services include working capital loans, equipment financing, revenue-based financing, and commercial real estate financing.
All financing is subject to credit approval and underwriting. The terms, rates, and conditions of any loan will be outlined in a separate loan agreement.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the legal authority to bind your business to a financing agreement
- Provide accurate and complete information
- Operate a legitimate business in good standing
4. Application Process
When you submit a financing application, you authorize us to:
- Verify the information you provide
- Obtain credit reports and business information
- Contact you via phone, email, or text message (if you've opted in)
- Share your information with partner lenders if applicable
Submission of an application does not guarantee approval or create any obligation on our part to provide financing.
5. SMS Terms & Conditions
Text Messaging Program Terms
If you opt in to receive text messages from HMW Consulting Co, you agree to the following terms:
Consent and Authorization
By opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from HMW Consulting Co using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency
Message frequency varies. You may receive up to 4 messages per month. We will not send excessive messages.
Message and Data Rates
Message and data rates may apply based on your mobile carrier's plan. Please consult your carrier for details on your specific plan.
Opt-Out / STOP
You may opt out of text messages at any time by replying STOP to any message. After sending STOP, you will receive a confirmation message and no further messages will be sent.
Help / Support
For help or questions about the text messaging program, reply HELP to any message or contact us at helena@thehmwconsulting.com.
Supported Carriers
Our text messaging program is supported by major U.S. carriers. Delivery is subject to carrier availability and network conditions.
Not a Condition of Purchase
Consent to receive text messages is NOT a condition of purchase or service. You may apply for financing and use our services without opting in to text messages.
Privacy
Your mobile phone number and text message data will not be shared with third parties for their marketing purposes. See our Privacy Policy for more information.
6. Website Use
You agree to use our website only for lawful purposes. You may not:
- Use the site in any way that violates applicable laws
- Attempt to gain unauthorized access to our systems
- Introduce viruses, malware, or other harmful code
- Scrape, copy, or duplicate content without permission
- Impersonate another person or entity
7. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of HMW Consulting Co or its licensors and is protected by copyright and trademark laws. You may not use our content without written permission.
8. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
- The website will be uninterrupted or error-free
- Defects will be corrected
- The site is free of viruses or harmful components
9. Limitation of Liability
To the fullest extent permitted by law, HMW Consulting Co 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.
10. Indemnification
You agree to indemnify and hold harmless HMW Consulting Co, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of these external sites.
12. Modifications to Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
13. Termination
We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to our business or other users.
14. Governing Law
These Terms & Conditions are governed by the laws of the State of Pennsylvania, without regard to its conflict of law provisions. Any disputes arising from these terms will be resolved in the courts of Pennsylvania.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
16. Entire Agreement
These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and HMW Consulting Co regarding the use of our website and services.
17. Contact Information
If you have questions about these Terms & Conditions, please contact us:
HMW Consulting Co
5768 MONOCACY DR
BETHLEHEM, PA 18017
Email: helena@thehmwconsulting.com