Terms of Use

Acceptance of terms

By accessing or using FactorAtlas you agree to these terms. If you do not agree, do not use the site. These terms apply to all pages, tools, profiles, and downloadable materials on factoratlas.com.

Educational use only

FactorAtlas is an educational reference resource. Content is provided for general informational purposes only and does not constitute financial, legal, tax, accounting, or credit advice. Do not rely solely on this site before signing a financing agreement or choosing a financing structure.

Calculators produce estimates based on user-entered inputs. Results are illustrative and do not represent offers, approvals, or binding quotes from any company.

Accuracy and currency of information

FactorAtlas makes reasonable efforts to keep company profiles and educational content accurate and up to date, but makes no warranty, express or implied, that the information is complete, current, or error-free.

Factoring company terms, fees, and products change over time. Company profile data reflects publicly available information at the time of the most recent review. Verify current terms directly with the provider before making any business decision.

No provider relationship

Listing a company on FactorAtlas does not create an endorsement, agency relationship, referral relationship, or commercial arrangement between FactorAtlas and that company.

FactorAtlas does not accept or process financing applications, and does not forward visitor information to any factoring company, broker, or lender.

Intellectual property

The text, structure, and presentation of FactorAtlas content are the property of the site's publisher. You may quote short excerpts for educational, journalistic, or personal use with attribution to FactorAtlas and a link to the source page.

You may not reproduce substantial portions of the site's content, use the content for commercial distribution, or scrape site data for use in competing directories or databases without prior written permission.

External links

The site contains links to external websites including company pages and government resources. These links are provided for reference only. FactorAtlas does not control the content or availability of external sites and is not responsible for their accuracy, privacy practices, or terms.

Limitation of liability

To the fullest extent permitted by applicable law, FactorAtlas and its publisher are not liable for any direct, indirect, incidental, special, or consequential damages arising from the use of or inability to use this site or its content, even if advised of the possibility of such damages.

This includes but is not limited to losses arising from reliance on company profile data, calculator estimates, glossary definitions, or educational articles.

Modifications

FactorAtlas may update these terms at any time. The Last updated date at the top of this page reflects the most recent revision. Continued use of the site after a revision constitutes acceptance of the updated terms.

Governing law

These terms are governed by the laws of the United States applicable to the publisher's jurisdiction. Any disputes arising from the use of this site will be subject to the exclusive jurisdiction of the applicable courts.