Acceptance of Terms
By accessing or using the website of Jacobs Marketing Solutions, Inc. ("Company," "we," "our," or "us"), or by applying for financing through our services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you should not use our website or services.
Services Provided
Jacobs Marketing Solutions, Inc. is a direct business lender that provides various financing solutions to small and medium-sized businesses, including but not limited to:
- Working capital loans
- Revenue-based financing
- Equipment financing
- Commercial real estate financing
- Business expansion financing
All financing is subject to credit approval and underwriting review. We reserve the right to decline any application at our sole discretion.
Application Process
Eligibility Requirements
To apply for financing, you must:
- Be at least 18 years of age
- Be the owner, principal, or authorized representative of a legally registered business
- Provide accurate and complete information in your application
- Have the legal authority to bind the business to a financing agreement
Application Accuracy
You certify that all information provided in your financing application is true, accurate, and complete. Providing false or misleading information may result in application denial, loan revocation, or legal action. You agree to promptly notify us of any material changes to the information provided.
Credit Authorization
By submitting an application, you authorize Jacobs Marketing Solutions, Inc. to obtain credit reports, verify information with third parties, and conduct background checks as necessary to evaluate your application. This authorization remains in effect throughout the application process and, if approved, for the duration of the financing relationship.
Loan Terms and Agreements
If your application is approved, you will receive a financing offer that specifies:
- Loan amount
- Interest rate or fee structure
- Repayment terms and schedule
- Any collateral or security requirements
- Default provisions and remedies
The financing offer constitutes a binding agreement only when you sign and return the agreement documents. All loan terms are subject to the specific provisions outlined in your individual financing agreement, which supersedes these general Terms & Conditions in the event of any conflict.
SMS Terms & Conditions
If you opt in to receive SMS/text messages from Jacobs Marketing Solutions, Inc., the following terms apply:
By providing your mobile phone number and consenting to SMS communications, you agree to receive recurring marketing and promotional SMS/MMS messages from Jacobs Marketing Solutions, Inc., sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan.
Supported Carriers: Our SMS program is available on major carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carrier limitations may apply.
Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message. To resume receiving messages, reply START or re-subscribe through our website.
Help: For assistance with SMS messages, reply HELP to any message or contact us at jashaun@jacobs-marketing-solutions.com.
Consent is NOT a Condition of Purchase: Your consent to receive SMS messages is not required as a condition of purchasing any goods or services from us. You may still apply for and receive financing without opting in to SMS communications.
Liability: We are not liable for delayed or undelivered messages due to carrier issues, network problems, or device compatibility. You are responsible for maintaining accurate contact information.
Fees and Charges
All fees, interest rates, and charges associated with your financing will be clearly disclosed in your financing agreement. We do not charge application fees for most financing products. However, certain financing types may include:
- Origination fees
- Processing fees
- Late payment fees
- Returned payment fees
- Prepayment penalties (if applicable)
All applicable fees will be disclosed before you sign your financing agreement.
Repayment Obligations
You agree to repay the loan according to the terms specified in your financing agreement. Payments are due on the dates specified, and you are responsible for ensuring timely payment regardless of whether you receive a reminder or invoice.
Failure to make payments as agreed may result in:
- Late fees and penalties
- Negative impact on your credit score
- Collection actions
- Legal proceedings to recover the debt
- Acceleration of the entire loan balance
Prepayment
Unless otherwise specified in your financing agreement, you may prepay your loan in full or in part at any time. Some financing products may include prepayment penalties; any such penalties will be clearly disclosed in your agreement.
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Jacobs Marketing Solutions, Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
Website Use
You agree to use our website only for lawful purposes and in accordance with these Terms & Conditions. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems or networks
- Transmit viruses, malware, or other harmful code
- Engage in any conduct that restricts or inhibits others from using the website
- Collect or harvest personal information about other users
Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, reliability, or completeness of any information on the website.
Limitation of Liability
To the fullest extent permitted by law, Jacobs Marketing Solutions, Inc. and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify, defend, and hold harmless Jacobs Marketing Solutions, Inc. and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our website or services, your violation of these Terms & Conditions, or your violation of any rights of another party.
Third-Party Links
Our website may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for any third-party content, products, or services. Your interactions with third-party websites are governed by their own terms and privacy policies.
Governing Law and Dispute Resolution
These Terms & Conditions are governed by the laws of the State of Mississippi, without regard to its conflict of law provisions. Any disputes arising out of or relating to these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless otherwise specified in your financing agreement.
Modifications to Terms
We reserve the right to modify these Terms & Conditions at any time. We will post updated terms on our website with a revised "Last Updated" date. Your continued use of our website or services after changes are posted constitutes your acceptance of the modified terms. We encourage you to review these terms periodically.
Severability
If any provision of these Terms & Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms & Conditions, together with any specific financing agreement you enter into with us, constitute the entire agreement between you and Jacobs Marketing Solutions, Inc. regarding your use of our website and services.
Contact Information
If you have questions or concerns about these Terms & Conditions, please contact us:
Jacobs Marketing Solutions, Inc.
12354 White Oak Dr
Gulfport, MS 39501
Email: jashaun@jacobs-marketing-solutions.com