Welcome to hacolmehashem.com (the "Site"), operated by Hacol Mehashem ("we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site.
1. Use of Our Website
You agree to use this website only for lawful purposes and in accordance with these Terms. You may not use the Site in any way that could damage, disable, or impair the Site or interfere with any other party's use of the Site.
2. Financial Services Disclaimer
Hacol Mehashem provides business lending and financial services. All funding decisions are subject to our underwriting criteria and approval process. Submission of an application does not guarantee approval or funding. Terms, rates, and conditions vary based on individual business qualifications.
Information presented on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. We encourage you to consult with qualified professionals before making financial decisions.
3. Application and Funding Process
By submitting an application through our Site, you represent that:
- All information provided is accurate, complete, and current
- You are authorized to act on behalf of the business applying for funding
- You consent to our verification of the information provided
- You understand that approval is not guaranteed
We reserve the right to decline any application at our sole discretion. Approved funding is subject to execution of a separate funding agreement with specific terms and conditions.
4. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of Hacol Mehashem or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.
5. Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.
6. SMS Terms & Conditions
By opting in to receive text messages from Hacol Mehashem, you agree to the following terms:
Consent: By checking the SMS consent box on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Hacol Mehashem, including offers, updates, and information about our financial products and services. These messages may be sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Costs: Message and data rates may apply. Contact your wireless carrier for details about your messaging plan.
Opt-Out: You may opt out at any time by replying STOP to any message. After opting out, you will receive a single confirmation message and no further promotional texts.
Help: Reply HELP for assistance, or contact us at info@hacolmehashem.com.
No Purchase Required: Consent to receive text messages is NOT a condition of purchase or of receiving any services from Hacol Mehashem.
Carriers: Supported carriers include but are not limited to AT&T, Verizon, T-Mobile, Sprint, and other major US carriers. Carrier participation may vary.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Hacol Mehashem shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use the Site or services
- Any unauthorized access to or use of our servers and/or personal information stored therein
- Any errors or omissions in any content on the Site
- Any third-party content or conduct
8. Indemnification
You agree to indemnify and hold harmless Hacol Mehashem, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of or related to your use of the Site or violation of these Terms.
9. 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. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New Castle County, Delaware.
10. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.
11. Contact Information
For questions about these Terms & Conditions, please contact us:
Hacol Mehashem
131 Continental Drive, Suite 301
Newark, DE 19713
Email: info@hacolmehashem.com