Welcome to Special Financing Company. These Terms of Service (“Terms”) govern your use of our website, platform, and services provided through www.sfc.us (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
By using our Services, you confirm that you are at least 18 years old and have the legal authority to enter into these Terms. If you’re acting on behalf of a business or other entity, you represent that you have the authority to bind that entity.
We may update these Terms at any time. Changes will be posted to this page, and your continued use of the Services constitutes acceptance of the revised Terms. Please check this page periodically.
3.1 Account Registration
Some Services require an account. You agree to provide accurate information and keep it up to date. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account.
3.2 Eligibility
Our Services are intended for users in the United States who meet our internal eligibility criteria. We reserve the right to determine eligibility based on business needs and regulatory requirements.
3.3 Availability
We may suspend or limit access to the Services at any time for operational or business reasons.
4.1 Application Process
When applying for financing, you authorize us to retrieve credit and background information. You agree that all information provided is truthful and accurate.
4.2 Approval
We reserve sole discretion to approve or deny applications. Approved applications will be governed by separate financing agreements, which supersede these Terms regarding the specific financing.
4.3 Business Partner Terms
If you’re accessing our Services through a partner, additional terms may apply and will supplement these Terms.
5.1 User Content
If you submit content (e.g., application data or feedback), you retain ownership but grant us a worldwide, royalty-free license to use it as needed to provide and improve our Services.
5.2 Content Standards
You agree not to submit content that is:
False or misleading
Infringing on others’ rights
Illegal, harassing, or offensive
Containing harmful code
Disruptive to the Services
5.3 Prohibited Use
You agree not to:
Break laws using our Services
Access accounts or systems without permission
Use bots or automated tools
Interfere with Service functionality
Bypass security features
Commit fraud or deception
6.1 Ownership
All content and software used in the Services are owned by Special Financing Company or its licensors and protected by law.
6.2 Limited License
We grant you a limited, non-transferable license to use the Services for their intended purpose. This does not include the right to:
Modify or copy content
Use it for commercial gain
Reverse engineer software
Remove copyright notices
Our Services may link to third-party sites. We are not responsible for their content, policies, or practices. Use them at your own risk.
Our Services are provided “as is” without warranties of any kind. We do not guarantee:
Continuous or error-free service
Virus-free software
Suitability for your specific needs
Use is at your own risk.
We are not liable for any indirect, incidental, or consequential damages (e.g., loss of data, profits, or goodwill) resulting from:
Use or inability to use our Services
Third-party conduct or content
Unauthorized access to your information
Some jurisdictions do not allow certain exclusions, so limits may vary by state.
You agree to defend and hold harmless Special Financing Company and its affiliates from any claims or liabilities resulting from your use of the Services or breach of these Terms.
These Terms are governed by the laws of the State of Virginia, without regard to conflicts of law. Any disputes must be brought in the state or federal courts located in Hampton, VA.
12.1 Binding Arbitration
Disputes will be resolved through binding arbitration under the rules of the American Arbitration Association. Arbitration will take place in Hampton, VA.
12.2 Exceptions
We may seek injunctive relief in court to protect our intellectual property or confidential information.
12.3 Class Action Waiver
You agree not to bring or join any class actions or collective arbitrations.
12.4 Opt-Out
You may opt out of arbitration by sending written notice to:
2504 Build America Dr., Hampton, VA 23666 within 30 days of first using our Services.
13.1 By You
You may stop using our Services at any time. If you have a financing arrangement, your obligations remain in effect.
13.2 By Us
We may suspend or terminate your access immediately if you violate these Terms.
13.3 Survival
Provisions that should survive termination—such as ownership, disclaimers, indemnity, and liability limits—will continue to apply.
14.1 Entire Agreement
These Terms represent the entire agreement between you and us.
14.2 Waiver & Severability
Failure to enforce a provision doesn’t waive our right to enforce it later. If a provision is invalid, the rest remain enforceable.
14.3 Assignment
You may not transfer these Terms without our consent. We may assign them freely.
14.4 Force Majeure
We’re not responsible for delays due to events beyond our control (e.g., natural disasters, labor strikes, pandemics).
14.5 Notices
We’ll notify you via the Services or the email you provide. Keep your contact information current.
If you’re a California resident, you may contact the California Department of Consumer Affairs at:
400 R Street, Suite 1080, Sacramento, CA 95814
Phone: (916) 445-1254 or (800) 952-5210
Email: dca@dca.ca.gov
If you are a resident of Nevada, you may have the right to opt out of the sale of certain personal information that we collect about you. While we do not currently sell personal information as defined under Nevada law, you may still submit a verified request to opt out by emailing us at privacy@sfc.us. Once verified, we will record your preference and honor it as required by law.
If you have questions, reach out to:
Special Financing Company
2504 Build America Dr., Hampton, VA 23666
Email: legal@sfc.us
Phone: (757) 825-0450
Special Financing Company connects businesses and consumers through innovative financing solutions, making high-ticket purchases accessible and achievable.