Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the website and services provided by NORVEX HOLDINGS INC ("NORVEX," "Company," "we," "us," or "our"), a financial services company located at 1222 Avenue M, Brooklyn, NY 11230 (EIN: 42-3170358).

By accessing our website or submitting an application or inquiry, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

1. Use of Website

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

• Use the site in any way that violates applicable federal, state, or local law or regulation
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any portion of the website or its related systems
• Interfere with or disrupt the integrity or performance of the website
• Provide false, misleading, or inaccurate information in any application or inquiry

2. Financial Services Disclaimer

NORVEX HOLDINGS INC is a direct lender providing business financing solutions. Nothing on this website constitutes financial, legal, tax, or investment advice. All funding products are subject to underwriting review and credit approval. Terms, rates, and availability vary and may change without notice. Not all applicants will qualify for all products.

We encourage you to consult with appropriate professional advisors before making financial decisions.

3. Application and Submission

When you submit a funding application or inquiry through our website, you represent and warrant that:

• All information provided is accurate, current, and complete
• You are authorized to apply on behalf of the business entity named in the application
• You consent to our review and verification of the information provided
• You understand that submission of an application does not guarantee approval or funding

4. SMS Terms and Conditions

By opting in to receive SMS or text messages from NORVEX HOLDINGS INC, you agree to the following SMS Terms:

5. Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is the property of NORVEX HOLDINGS INC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

6. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. NORVEX HOLDINGS INC does 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, completeness, or suitability of any information on the website for any particular purpose.

7. Limitation of Liability

To the fullest extent permitted by applicable law, NORVEX HOLDINGS INC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the website or services, including but not limited to loss of profits, data, or business opportunities.

Our total liability to you for any claims arising from your use of the website shall not exceed one hundred dollars ($100).

8. Indemnification

You agree to indemnify, defend, and hold harmless NORVEX HOLDINGS INC and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the website, your violation of these Terms, or your violation of any applicable law or third-party rights.

9. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. NORVEX HOLDINGS INC does not endorse and is not responsible for the content, accuracy, or practices of any linked third-party sites.

10. Privacy Policy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data collection, use, and sharing practices, including our SMS data handling policy.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising under or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Kings County (Brooklyn), New York.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the website with a new effective date. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices posted on the website, constitute the entire agreement between you and NORVEX HOLDINGS INC with respect to your use of the website and supersede all prior agreements and understandings.

15. Contact Us