Terms & Conditions — Truth Skin Health, LLC

Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Truth Skin Health, LLC ("Company," "we," "us," or "our") governing your access to and use of the website truth-skin-health.com and all related services.

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must discontinue use of the website immediately.

Services Description

Truth Skin Health, LLC is a financial services company operating as a direct lender, providing business funding solutions including but not limited to working capital loans, revenue-based financing, equipment financing, business lines of credit, business expansion capital, and invoice financing.

All funding products are subject to credit approval, underwriting review, and applicable terms and conditions specific to each product. Submission of an application does not guarantee approval or funding.

Eligibility

To use our website and services, you must:

Be at least 18 years of age
Have the legal capacity to enter into binding agreements
Be a business owner or authorized representative of a business entity
Provide accurate and complete information in all forms and applications

Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

Use the website in any way that violates any applicable federal, state, local, or international law or regulation
Transmit any material that is defamatory, obscene, or otherwise objectionable
Attempt to gain unauthorized access to any portion of the website or any related systems
Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
Use any robot, spider, or other automated means to access the website without our express written permission

Intellectual Property

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, and the design, selection, and arrangement thereof) are owned by Truth Skin Health, LLC and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Application and Funding Terms

Specific terms and conditions related to individual funding products will be provided in separate agreements at the time of application or approval. These Terms do not constitute an offer to lend, a commitment to fund, or a guarantee of any specific terms or rates.

You acknowledge that:

All applications are subject to our underwriting criteria and approval process
We reserve the right to accept or decline any application at our sole discretion
Rates, terms, and funding amounts may vary based on your business profile and creditworthiness
Past performance does not guarantee future results or approval

SMS Terms & Conditions

By opting in to receive SMS or text messages from Truth Skin Health, LLC, you agree to the following terms:

You consent to receive recurring marketing and promotional SMS/MMS messages from Truth Skin Health, LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message frequency varies; you may receive up to 4 messages per month.
Message and data rates may apply depending on your mobile carrier and plan.
You may opt out at any time by replying STOP to any message. Upon receiving your STOP request, we will send a single confirmation message and no further messages will be sent.
For assistance, reply HELP to any message or contact us at benjamin@truth-skin-health.com.
Consent is NOT a condition of purchase. You are not required to consent to receiving text messages as a condition of purchasing any products or services from Truth Skin Health, LLC.
Compatible carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint. Carrier messaging and data rates may apply.

Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, TRUTH SKIN HEALTH, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TRUTH SKIN HEALTH, LLC, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES.

Indemnification

You agree to defend, indemnify, and hold harmless Truth Skin Health, LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the website.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Boulder County, Colorado.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide reasonable notice prior to any new terms taking effect. Your continued use of the website after any changes constitutes acceptance of the new Terms.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Contact Us

If you have any questions about these Terms and Conditions, please contact us at:

Truth Skin Health, LLC
1750 30th St
Boulder, CO 80301
Email: benjamin@truth-skin-health.com