1. Acceptance of Terms
By accessing or using the Texas Equipment Finance website (the "Site"), submitting a financing application, or engaging with our services in any way, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Site or our services.
These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Texas Equipment Finance ("Company," "we," "us," or "our"). We reserve the right to modify these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
2. Description of Services
Texas Equipment Finance is an equipment financing brokerage that connects businesses with lending partners to facilitate equipment loans and leases. Our services include:
Accepting and processing equipment financing applications
Matching applicants with appropriate lending partners based on credit profile, equipment type, and business needs
Facilitating communication between borrowers, lenders, and equipment sellers
Providing educational resources and tools related to equipment financing
Important: Texas Equipment Finance is not a direct lender. We act as an intermediary between borrowers and lending institutions. Approval of financing is subject to the lending partner's underwriting criteria and is not guaranteed.
3. Eligibility
To use our services, you must be at least 18 years of age and have the legal authority to enter into binding agreements. If you are submitting an application on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms. By submitting an application, you confirm that all information provided is accurate, complete, and truthful.
4. Application Process & Credit Authorization
By submitting a financing application through our Site, you acknowledge and agree to the following:
- You authorize Texas Equipment Finance and its lending partners to obtain credit reports and verify the information you provide, including but not limited to personal credit history, business financials, and bank references.
- You understand that submitting an application does not guarantee approval or any specific financing terms.
- You agree that your application information may be shared with multiple lending partners to identify the best financing options available to you.
- You acknowledge that credit inquiries initiated as part of the application process may affect your credit score.
- You are responsible for reviewing and agreeing to the specific terms of any financing agreement offered by a lending partner before execution.
5. User Obligations
When using our Site and services, you agree to:
You Must
- Provide accurate and complete information
- Keep your contact information current
- Respond promptly to requests for documentation
- Review all financing terms before signing
- Comply with all applicable laws and regulations
You Must Not
- Submit false or misleading information
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to our systems
- Interfere with the Site's operation or security
- Reproduce or distribute Site content without permission
6. Fees & Charges
There is no fee to submit a financing application through Texas Equipment Finance. However, you acknowledge that:
- Lending partners may charge origination fees, documentation fees, or other closing costs as part of the financing agreement.
- Any fees associated with a financing transaction will be clearly disclosed before you execute a financing agreement.
- Texas Equipment Finance may receive compensation from lending partners for facilitating financing transactions. This compensation does not increase the cost of your financing.
7. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, software, and design elements, is the property of Texas Equipment Finance or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any Site content without our prior written consent.
8. Disclaimers & Limitation of Liability
No Guarantee of Approval: Submission of an application does not guarantee financing approval. All financing decisions are made by our lending partners based on their underwriting criteria.
"As Is" Basis: The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Limitation of Liability: To the fullest extent permitted by law, Texas Equipment Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services, regardless of the theory of liability.
Equipment Condition: Texas Equipment Finance does not inspect, warrant, or guarantee the condition, quality, or value of any equipment financed through our services. Buyers are solely responsible for conducting their own due diligence.
9. Indemnification
You agree to indemnify, defend, and hold harmless Texas Equipment Finance, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
10. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Jurisdiction: Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in the State of Texas.
Informal Resolution: Before filing any formal legal action, you agree to first attempt to resolve any dispute informally by contacting us at legal@texasequipmentfinance.com.
11. Termination
We reserve the right to suspend or terminate your access to the Site and our services at any time, with or without cause, and with or without notice. Upon termination, all provisions of these Terms that by their nature should survive termination shall remain in effect, including but not limited to intellectual property provisions, disclaimers, limitations of liability, and indemnification obligations.
12. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, 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 while preserving its original intent.
13. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Texas Equipment Finance regarding your use of the Site. These Terms supersede any prior agreements or understandings, whether written or oral, relating to the subject matter herein.
14. Contact Information
If you have any questions about these Terms of Service, please contact us: