Please read these terms carefully before using our services
Effective Date: January 1, 2024
Welcome to Spenceme LLC. By accessing or using our website (spence-me.com), services, or products, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.
These Terms constitute a legally binding agreement between you and Spenceme LLC ("we," "our," or "us"). We reserve the right to modify these Terms at any time, and your continued use of our services after such modifications constitutes acceptance of the updated Terms.
Spenceme LLC is a financial services company specializing in direct business lending. We provide:
Our services are provided to qualified businesses and are subject to underwriting approval, creditworthiness assessment, and compliance with applicable lending regulations.
To use our services, you must:
We reserve the right to refuse service, terminate accounts, or cancel applications at our sole discretion.
When you apply for financing through Spenceme LLC:
We employ technology-driven underwriting processes, including automated decision-making algorithms, to evaluate applications efficiently and fairly.
If your application is approved, specific loan terms will be provided in a separate loan agreement, which will include:
You are responsible for understanding and complying with all terms outlined in your loan agreement. Failure to make timely payments may result in additional fees, negative credit reporting, and collection actions.
Our services may involve various fees, including but not limited to:
All applicable fees will be clearly disclosed in your loan agreement or service contract. We do not charge hidden fees, and all costs will be transparently communicated before you accept any financing offer.
SMS/Text Message Program: By providing your mobile phone number and opting into SMS communications, you expressly consent to receive recurring promotional and transactional messages from Spenceme LLC. These messages may be sent using an automated telephone dialing system (ATDS) and may include marketing offers, account updates, payment reminders, and service notifications.
You acknowledge and agree that by opting into our SMS program, you authorize Spenceme LLC to send you text messages via an automated telephone dialing system (ATDS). Message frequency varies and may include up to 4 messages per month, though frequency may increase based on your account activity and preferences.
Your consent to receive SMS messages is entirely optional and is NOT a condition of purchasing or using our financial services. You may decline SMS communications and still receive all services, account information, and support through alternative channels such as email or our online portal.
Standard message and data rates may apply based on your mobile carrier's plan. Spenceme LLC does not charge for messages sent, but your wireless carrier may impose charges. Please contact your carrier for details regarding your specific plan.
You may opt out of receiving SMS messages at any time by:
Upon opting out, you will receive one final confirmation message, after which no further promotional messages will be sent. You may continue to receive transactional messages related to your active accounts unless you separately request to opt out of those as well.
You consent to receive agreements, disclosures, notices, and other documents electronically, including via email and through our online client portal. Electronic documents have the same legal effect as paper documents.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our data practices as described in the Privacy Policy.
We implement industry-standard security measures to protect your information, but no system is entirely secure. You are responsible for maintaining the confidentiality of your account login credentials.
All content, trademarks, logos, and intellectual property on our website and in our services are owned by or licensed to Spenceme LLC. You may not use, reproduce, or distribute our intellectual property without express written permission.
Our technology platforms, algorithms, and proprietary systems are protected by copyright, trade secret, and other intellectual property laws.
You agree not to use our services for any unlawful or prohibited purpose, including but not limited to:
Violation of these prohibitions may result in immediate termination of your account and legal action.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:
To the fullest extent permitted by law, Spenceme LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services, even if we have been advised of the possibility of such damages.
Our total liability to you for any claims arising from these Terms or our services shall not exceed the amount you have paid to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Spenceme LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:
Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits or class-wide arbitration.
The arbitration shall take place in the state where Spenceme LLC is headquartered, and the arbitrator's decision shall be final and binding.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Spenceme LLC is incorporated, without regard to conflict of law principles.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms, together with our Privacy Policy and any loan agreements or service contracts you enter into with us, constitute the entire agreement between you and Spenceme LLC regarding the use of our services and supersede all prior agreements and understandings.
If you have any questions about these Terms of Service, please contact us:
Spenceme LLC
Email: spence@spence-me.com
Website: spence-me.com