Disclaimers

Not a Lender

CruzFi is NOT a lender, bank, credit union, or financial institution. CruzFi does not originate, underwrite, process, or fund loans of any kind. CruzFi is a business finance consulting firm and referral service that connects business owners with third-party lenders and financial institutions.

Referral Service Only

CruzFi's primary function is to serve as an intermediary between business owners seeking capital and lenders who provide capital. When CruzFi refers a client to a lender who subsequently funds a loan, CruzFi may receive compensation from the lender in the form of a referral or broker fee. This arrangement does not change or increase the cost to the borrower.

Results Not Guaranteed

CruzFi makes no representations or warranties, express or implied, regarding:

• Loan approval likelihood or probability
• Specific loan amounts, interest rates, or terms
• Time to funding or approval timelines
• The availability of specific lenders or programs
• Outcomes from credit repair or credit building services
• Business results from branding or website services

All results depend on individual business qualifications, lender requirements, and market conditions. Past results do not guarantee future outcomes.

Financial Advice Disclaimer

Nothing on this Platform constitutes financial, legal, tax, or investment advice. The information provided is for general informational purposes only. CruzFi advisors are not licensed attorneys, CPAs, or registered investment advisors. You should consult qualified professionals before making financial decisions.

Credit Score Information

Credit scores and credit-related information referenced on this Platform are approximations based on industry ranges. Actual credit decisions are made by lenders using their proprietary scoring models. A minimum credit score referenced on our Platform does not guarantee approval from any specific lender.

Third-Party Lenders

CruzFi is not responsible for the actions, decisions, terms, or conduct of any third-party lender. Lending decisions, interest rates, fees, and terms are set independently by each lender. CruzFi does not endorse any specific lender and cannot control lender conduct.

Regulatory Compliance

CruzFi operates in compliance with applicable federal and state laws governing business finance consulting and referral services. CruzFi is not required to be licensed as a mortgage broker, securities dealer, or financial advisor for the services it provides. However, laws vary by jurisdiction, and clients are responsible for understanding regulations applicable to them.

Testimonials and Case Studies

Any testimonials, success stories, or case studies on our Platform represent individual results that may not be typical. Results vary based on business type, credit history, industry, revenue, and many other factors. Individual results are not guaranteed.

Questions

For questions about these disclaimers, contact us at Capital@cruzfi.com.