Terms of Service

Effective Date: January 1, 2025

1. Acceptance of Terms

Welcome to the website of Eastern Financial Partners (EFPTR LLC) ("Company," "we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

These Terms constitute a legally binding agreement between you and Eastern Financial Partners governing your use of our website and consultation services.

2. Description of Services

Eastern Financial Partners provides consultation and advisory services for business owners with Merchant Cash Advance (MCA) agreements. Our services include:

• Analysis and review of MCA agreements
• Assessment of your current financial situation
• Explanation of available options
• Guidance and recommendations
• Ongoing support and communication

Important Notice: Eastern Financial Partners is not a law firm, lender, or financial institution. We do not provide legal advice, loans, or lending services. Our services are advisory and consultative in nature. Results vary by individual situation and are not guaranteed.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a business owner or authorized representative
• Have the legal authority to enter into agreements on behalf of your business
• Provide accurate and complete information

4. User Responsibilities

4.1 Information Accuracy

You agree to provide accurate, current, and complete information about yourself and your business. This includes information about your MCA agreements, financial situation, and contact details. Inaccurate information may affect the quality of our consultation and recommendations.

4.2 Confidentiality of Account

You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

4.3 Prohibited Uses

You agree not to:

• Provide false or misleading information
• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our website
• Copy, reproduce, or distribute our content without permission
• Use our services on behalf of another party without proper authorization

6. Fees and Payment

6.1 Initial Consultation

Our initial consultation is provided at no cost and with no obligation.

6.2 Service Fees

If you choose to engage our services beyond the initial consultation, fees and payment terms will be clearly disclosed and agreed upon in writing before any services begin. We will provide you with a detailed explanation of all costs before you make any commitment.

6.3 No Hidden Fees

We are committed to transparency. All fees will be disclosed upfront before you agree to any paid services.

7. Disclaimers

7.1 No Guarantee of Results

While we strive to provide excellent consultation services, we cannot guarantee specific outcomes. Results vary based on individual circumstances, lender policies, and other factors beyond our control.

7.2 Not Legal or Financial Advice

Our services are advisory in nature. We do not provide legal, tax, or financial advice. We recommend consulting with licensed professionals (attorneys, accountants, financial advisors) for advice specific to your situation.

7.3 Website Information

Information on our website is provided for general informational purposes. While we strive for accuracy, we do not warrant that all information is complete, accurate, or current.

7.4 Third-Party Links

Our website may contain links to third-party websites. We do not control or endorse these sites and are not responsible for their content or practices.

8. Limitation of Liability

To the maximum extent permitted by law:

• Eastern Financial Partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claim arising from these Terms or our services shall not exceed the amount you have paid us for services
• We are not liable for any losses resulting from circumstances beyond our reasonable control

9. Indemnification

You agree to indemnify and hold harmless Eastern Financial Partners, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any rights of another party
• Any inaccurate information you provide

10. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Eastern Financial Partners or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

11. Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Termination

We reserve the right to suspend or terminate your access to our website or services at any time, with or without cause and without notice. You may also terminate your relationship with us at any time by contacting us.

13. Dispute Resolution

13.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us to attempt to resolve any dispute informally.

13.2 Governing Law

These Terms shall be governed by the laws of the State of New Jersey, without regard to its conflict of laws principles.

13.3 Jurisdiction

Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Monmouth County, New Jersey.

14. Modifications to Terms

We may modify these Terms at any time. Changes will be effective when posted on our website with an updated effective date. Your continued use of our website or services after changes are posted constitutes acceptance of the modified Terms.

15. Severability

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

16. Entire Agreement

These Terms, together with our Privacy Policy and any service agreements you sign, constitute the entire agreement between you and Eastern Financial Partners regarding the use of our website and services.

17. Contact Information

If you have questions about these Terms of Service, please contact us:

Eastern Financial Partners (EFPTR LLC)
125 Half Mile Road, Suite 200
Red Bank, NJ 07701
Phone: (888) 381-4057
Hours: Monday - Friday, 8am - 7pm EST