Terms & Conditions
Effective Date: January 1, 2026
Last Updated: January 1, 2026
Welcome to Hacol mehashem. These Terms & Conditions ("Terms") govern your use of our website hacolmehashem.com and our business lending services. By accessing our website or using our services, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.
2. Services Overview
Hacol mehashem is a direct business lender providing various financing solutions including:
- Working capital loans
- Revenue-based financing
- Equipment financing
- Business lines of credit
- Business expansion funding
All lending services are subject to credit approval, underwriting standards, and applicable laws and regulations.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have legal authority to enter into binding agreements
- Operate a legitimate business entity
- Provide accurate and complete information
- Comply with all applicable laws and regulations
4. Application Process
When you submit a lending application:
- You authorize us to verify the information provided
- You consent to credit checks and background verification
- You acknowledge that approval is not guaranteed
- You agree to provide additional documentation as requested
- You understand that submitted applications do not constitute a binding agreement until formal loan documents are executed
5. Loan Terms and Conditions
If your application is approved:
- Specific loan terms will be outlined in a separate loan agreement
- Interest rates, repayment schedules, and fees will be clearly disclosed
- You must review and sign formal loan documents before funding
- Funding is contingent upon satisfactory completion of all conditions precedent
- You are responsible for understanding all terms before accepting funding
SMS Terms & Conditions
If you opt in to receive SMS or text messages from Hacol mehashem, the following terms apply:
Program Description: By opting in, you agree to receive recurring marketing and promotional text messages from Hacol mehashem using an automated telephone dialing system (ATDS). Messages may include information about our financial products, services, offers, updates, and promotional communications.
Frequency: Message frequency varies based on your interaction with our services and current promotions. You may receive up to 4 messages per month.
Cost: Message and data rates may apply as determined by your mobile carrier. We do not charge for messages, but your carrier's rates will apply.
Consent Not Required for Purchase: Consent to receive SMS messages is NOT a condition of purchasing any goods or services from Hacol mehashem. You may still use our services without opting in to SMS communications.
Opt-Out Instructions: You may opt out of SMS messages at any time by replying STOP to any message. After sending STOP, you will receive one final confirmation message, and no further messages will be sent unless you opt in again.
Help: For assistance with SMS messages, reply HELP to any message or contact us at nate@hacolmehashem.com.
Carrier Compatibility: SMS services are available on most U.S. mobile carriers including AT&T, T-Mobile, Verizon, Sprint, and others. Service may not be available on all carriers.
Privacy: We respect your privacy. Your mobile number and consent information will not be shared with third parties for their marketing purposes. See our Privacy Policy for details on how we handle your information.
Terms Changes: We reserve the right to modify these SMS terms at any time. Continued participation after changes constitutes acceptance of modified terms.
6. User Responsibilities
You agree to:
- Provide accurate, current, and complete information
- Maintain the confidentiality of any account credentials
- Notify us immediately of any unauthorized access
- Use our services only for lawful purposes
- Comply with all repayment obligations under any loan agreement
- Update your contact information promptly if it changes
7. Prohibited Uses
You may not:
- Provide false or misleading information
- Use our services for any illegal purpose
- Attempt to circumvent our security measures
- Interfere with the proper functioning of our website
- Use automated systems to access our services without permission
- Impersonate any person or entity
8. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Hacol mehashem and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
9. Disclaimers
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:
- Our services will be uninterrupted or error-free
- Defects will be corrected
- Our website is free of viruses or harmful components
- Information provided is complete, accurate, or current
10. Limitation of Liability
To the fullest extent permitted by law, Hacol mehashem shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services, even if we have been advised of the possibility of such damages.
11. Indemnification
You agree to indemnify, defend, and hold harmless Hacol mehashem, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:
- Your violation of these Terms
- Your use of our services
- Your violation of any third-party rights
- Any false or misleading information you provide
12. Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.
13. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party websites is at your own risk.
14. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
15. Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use our services immediately ceases.
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
17. Dispute Resolution
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
18. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy and any loan agreements, constitute the entire agreement between you and Hacol mehashem regarding your use of our services.
20. Contact Information
If you have questions about these Terms, please contact us:
Hacol mehashem
131 Continental Drive, Suite 301
Newark, DE 19713
Email: nate@hacolmehashem.com
By using our services, you acknowledge that you have read and understood these Terms & Conditions and agree to be bound by them. Last updated: January 1, 2026.