Terms of Service

Effective Date: January 1, 2025

1. Acceptance of Terms

Welcome to Eastern Financial Partners (EFPTR LLC). By accessing our website or using any of our debt restructuring 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 ("Client," "you," or "your") and Eastern Financial Partners ("EFP," "we," "us," or "our").

Important: You must be at least 18 years of age and have the legal authority to bind your business to these Terms to use our services.

2. Service Description

2.1 What We Do

Eastern Financial Partners specializes in Merchant Cash Advance (MCA) debt restructuring services. We provide:

• Comprehensive analysis of your MCA debt situation
• Attorney representation through our network of 500+ licensed attorneys
• Negotiation with MCA lenders to reduce payments and principal balances
• Customized debt restructuring plans
• Ongoing case management and support

2.2 What We Are NOT

Eastern Financial Partners is NOT a lender. We do not provide loans, credit, or financing of any kind. We are a debt restructuring service that works with your existing MCA lenders to negotiate better terms.

2.3 Case-by-Case Basis

All restructuring services are provided on a case-by-case basis. Each client's situation is unique, and results vary based on factors including:

• Total debt amount
• Number and type of MCAs
• Lender cooperation
• Business financial condition
• Payment history

3. Client Responsibilities

As a client of Eastern Financial Partners, you agree to:

3.1 Provide Accurate Information

• Supply complete and truthful information about your business and debts
• Disclose all MCA agreements, including terms, balances, and lenders
• Update us promptly if your situation changes
• Provide requested documentation in a timely manner

3.2 Respond to Communications

• Maintain current contact information
• Respond to calls, emails, and text messages from our team
• Attend scheduled consultations and meetings
• Review and approve proposed settlement agreements

3.3 Comply With Program Requirements

• Do not enter into new MCA agreements during the restructuring process
• Do not make payments directly to lenders without our approval
• Follow the restructured payment plan once agreements are in place
• Notify us immediately if contacted by lenders or collection agencies

3.4 Maintain Business Operations

• Continue operating your business in good faith
• Maintain sufficient cash flow to meet restructured payment obligations
• Do not engage in actions that would harm your ability to fulfill agreements

4. Service Fees and Payment

4.1 Fee Structure

Our service fees are structured to be affordable and aligned with your success:

• No Upfront Costs: We do not charge upfront fees to begin your case analysis
• Fees Included in Restructured Payment: Our service fees are built into your new, lower monthly payment
• You Save From Day One: Even with our fees included, your total payment will be significantly lower than your current obligations

4.2 Payment Terms

Specific payment terms will be outlined in your individual service agreement. Payment obligations begin once restructuring agreements are finalized and you accept the new terms.

4.3 Refund Policy

Due to the nature of debt restructuring services and the immediate work performed by our attorney network:

• Fees are generally non-refundable once work has commenced
• If we are unable to negotiate any improvement to your situation, we may offer partial refunds at our discretion
• Specific refund terms will be outlined in your service agreement

5. No Guaranteed Results

Important Disclaimer: While we have helped 5,500+ businesses restructure over $1 billion in MCA debt, we cannot guarantee specific outcomes for your case.

5.1 Results Depend on Multiple Factors

Successful restructuring depends on:

• Lender willingness to negotiate
• Your business's financial condition
• The specific terms of your existing MCAs
• Your cooperation and compliance with the program
• External economic conditions

5.2 Best Efforts Representation

We commit to providing best efforts legal representation through our attorney network. Our attorneys will:

• Thoroughly analyze your situation
• Develop strategic negotiation approaches
• Leverage our batch settlement power
• Work diligently to secure the best possible terms

However, final results depend on lender decisions that are outside our control.

7. Prohibited Uses

You agree NOT to:

• Provide false, misleading, or incomplete information
• Use our services for any illegal purpose
• Attempt to defraud lenders or misrepresent your financial situation
• Interfere with our website operations or security features
• Copy, reproduce, or distribute our proprietary content without permission
• Impersonate EFP or our representatives
• Use our services if you are not a legitimate business owner with MCA debt

8. Intellectual Property

8.1 Website Content Ownership

All content on this website, including text, graphics, logos, images, and software, is the property of Eastern Financial Partners or our licensors and is protected by copyright and trademark laws.

8.2 Trademark Protection

"Eastern Financial Partners," "EFP," and our logo are trademarks of EFPTR LLC. You may not use our trademarks without our prior written permission.

8.3 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes related to evaluating or using our services.

9. Limitation of Liability

9.1 No Liability for Lender Decisions

We are not liable for lender decisions, including refusals to negotiate or settle. Final restructuring terms are at lender discretion.

9.2 Limited Liability for Damages

To the maximum extent permitted by law, Eastern Financial Partners shall not be liable for:

• Indirect, incidental, or consequential damages
• Lost profits or business opportunities
• Business interruption
• Loss of data or information

Our total liability to you for any claims arising from our services shall not exceed the amount of fees you paid to us.

9.3 Attorney Malpractice

Attorney professional liability is handled separately through our attorney network's professional liability insurance. Malpractice claims should be directed to the specific attorney handling your case.

10. Termination

10.1 Our Right to Terminate

We reserve the right to terminate services if you:

• Fail to comply with these Terms
• Provide false or misleading information
• Fail to cooperate with case requirements
• Engage in prohibited activities
• Fail to make agreed-upon payments

10.2 Your Right to Discontinue

You may discontinue services at any time by providing written notice. Please note:

• You remain responsible for fees incurred up to the termination date
• Terminating services may affect ongoing negotiations with lenders
• Refunds are subject to our refund policy and service agreement terms

10.3 Effect of Termination

Upon termination:

• We will cease active work on your case
• You will be responsible for any outstanding fees
• Negotiated agreements already in place remain valid
• You will need to manage lender relationships directly

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles.

11.2 Jurisdiction

Any legal action or proceeding arising from these Terms shall be brought exclusively in the state or federal courts located in Monmouth County, New Jersey.

11.3 Informal Resolution

Before initiating formal legal proceedings, parties agree to attempt to resolve disputes informally by calling (888) 381-4057.

12. Disclaimers

12.1 No Legal or Financial Advice

Information on our website is for general informational purposes only and does not constitute legal or financial advice. Consult with qualified professionals for advice specific to your situation.

12.2 Website "As Is"

Our website is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose.

12.3 Third-Party Content

We are not responsible for the accuracy, reliability, or content of any third-party websites linked from our site.

13. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. The Privacy Policy is incorporated into these Terms by reference.

14. Changes to Terms

14.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website.

14.2 Notice of Changes

We will notify you of material changes by:

• Updating the "Effective Date" at the top of these Terms
• Posting a notice on our website
• Sending an email to your registered email address (for significant changes)

14.3 Acceptance of Changes

Your continued use of our services after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must discontinue use of our services.

15. Miscellaneous Provisions

15.1 Entire Agreement

These Terms, together with your individual service agreement and our Privacy Policy, constitute the entire agreement between you and Eastern Financial Partners.

15.2 Severability

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

15.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

15.5 Survival

Provisions that by their nature should survive termination (including liability limitations, dispute resolution, and intellectual property rights) shall survive termination of these Terms.

16. Contact Information

For 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, 8:00 AM - 7:00 PM EST

17. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Last Updated: January 1, 2025

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