Effective Date: February 2, 2026

​

These Terms & Conditions ("Terms") govern your use of the Website and services provided by Bridgepoint Business Collective LLC.

​

1. Acceptance of Terms

 

By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Website.

​

2. Changes to Terms

 

We may update these Terms at any time. The "Effective Date" above will reflect the latest version. Your continued use after changes become effective constitutes acceptance of the updated Terms.

 

3. Relationship; Not a Lender or Broker

 

We provide business funding consulting, education, and referral introductions. We are not a lender, do not make credit decisions, and do not act as a broker of record. Funding decisions are made solely by third-party providers. You are responsible for your use of any capital obtained and for your compliance with applicable laws (including but not limited to FCRA, GLBA, Reg Z, and state consumer protection laws) when using any data or tools.

 

4. User Responsibilities

 

You agree to:

​

• Provide accurate and truthful information

• Use the Website for lawful purposes only

• Not submit fraudulent or misleading data

• Maintain confidentiality of any login credentials

 

5. No Legal or Financial Advice

 

Information provided on this Website does not constitute legal, tax, or financial advice. You should consult licensed professionals before making financial decisions.

​

6. Fees, Billing, Refunds & Chargebacks

 

Fees are due as stated at purchase or in your order form. You authorize us and our processors (e.g., Stripe, NMI, Everee for partners) to charge your provided payment method.

 

All sales are final once services are delivered or software access is granted; no refunds or chargebacks will be accepted.

Exception: If a client pays us and a lender subsequently pulls (rescinds) an offer on which we received commissions, we will provide a refund if the client provides documentation of rejection or denial after initial approval. We reserve the right to verify with the lender and to deduct any non-recoverable third-party costs.

​

You agree not to initiate chargebacks to avoid these Terms. Unwarranted chargebacks may result in suspension and collections of outstanding balances, including recovery costs.

 

7. SMS & Electronic Communications

​

By using our services and providing your phone number, you consent to receive electronic communications, including SMS text messages, email, and electronic signatures, in accordance with the E-SIGN Act.

​

Program Name and Description Bridgepoint Business Collective LLC SMS Notifications. By opting in, you will receive transactional and customer-care text messages including: appointment reminders, appointment confirmations, application status updates, and customer support notifications related to your inquiry or request with Bridgepoint Business Collective LLC.

​

Opt-Out Instructions You can cancel the SMS service at any time. Simply text "STOP" to the shortcode or phone number from which you received the message. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

​

Rejoining Instructions To rejoin after opting out, sign up as you did initially through our website forms or surveys with SMS consent, and we will resume sending SMS messages to you.

​

Help Instructions If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to support@bridgepointbusinesscollective.com.

​

Carrier Liability Disclaimer Carriers (including but not limited to T-Mobile, AT&T, Verizon, and others) are not liable for delayed or undelivered messages.

​

Message and Data Rates Disclaimer As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your interactions with our services. For questions about your text plan or data plan, contact your wireless provider.

​

Privacy Policy For privacy-related inquiries, please refer to our privacy policy: https://www.bridgepointbusinesscollective.com/privacy-policy

​

Compliance with Industry Standards Bridgepoint Business Collective LLC follows industry best practices for SMS messaging, including guidelines set forth by the Cellular Telecommunications Industry Association (CTIA) and the Mobile Marketing Association (MMA).

​

Legal Compliance Our SMS messaging program is operated in compliance with applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA), the E-SIGN Act, and FCC regulations governing commercial text messaging.

​

Age Requirement You must be 18 years of age or older to consent to receive SMS messages from Bridgepoint Business Collective LLC. By opting in, you confirm that you are at least 18 years old.

​

Consent By submitting a form, survey, or other opt-in method on our Website that includes SMS consent, you expressly agree to receive text messages from Bridgepoint Business Collective LLC at the phone number provided. Your consent is not a condition of purchasing any goods or services.

​

8. Intellectual Property

​

All Website content, logos, text, graphics, and materials are the exclusive property of Bridgepoint Business Collective LLC and may not be copied, reproduced, or distributed without written permission.

​

If you submit content (e.g., reviews, feedback), you represent that you have the right to do so and you grant us a worldwide, royalty-free, irrevocable, perpetual license to use, reproduce, and display such content in connection with the Services and our business.

​

9. Limitation of Liability

​

To the maximum extent permitted by law, Bridgepoint Business Collective LLC shall not be liable for:

​

• Lost profits or business opportunities

• Indirect or consequential damages

• Third-party actions, decisions or denials

​

10. Indemnification

​

You agree to indemnify and hold harmless Bridgepoint Business Collective LLC from claims arising from your misuse of the Website or violation of these Terms.

​

11. Governing Law & Jurisdiction

​

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

​

12. Termination

​

We reserve the right to suspend or terminate access to the Website or services at our discretion, without notice, for violations of these Terms.

​

13. Third-Party Services

​

The Services may depend on or link to third-party services (e.g., banks, bureaus, analytics, Everee, Stripe, NMI, Intercom). We do not control third-party services and are not responsible for their content or practices. Your use of third-party services is subject to their terms and privacy policies.

​

14. Miscellaneous

​

Entire Agreement. These Terms, the Privacy Policy, and any signed order or partner agreement constitute the entire agreement and supersede prior agreements related to the Services.

​

Assignment. You may not assign or transfer these Terms without our written consent. We may assign to an affiliate or in connection with a merger, acquisition, or sale.

​

Severability. If any provision is unlawful or unenforceable, the remaining provisions remain in full force.

​

No Waiver. Failure to enforce any provision is not a waiver of future enforcement.

​

Notices. We may provide notices via email, in-product messages, or posting on our Sites. You may contact us at info@bpbcollective.com.

​

​

15. Contact Information

​

For questions regarding these Terms:

info@bpbcollective.com
support@bridgepointbusinesscollective.com