Terms of Use

By using our website or services in any way — including browsing, submitting a funding inquiry, completing an application, or communicating with us — you confirm that you have read, understood, and agree to be legally bound by these Terms of Use and our Privacy Policy.

These Terms constitute a binding legal agreement between you and New Tide Media LLC dba New Tide Funding. If you are using our services on behalf of a business, you represent that you have the authority to bind that business to these Terms.

New Tide Funding is a financial services marketplace that connects small business owners with third-party lenders and funding partners. We facilitate the funding process but are not a bank, direct lender, or credit union. We do not make credit decisions, and all funding is subject to the underwriting criteria of our third-party funding partners.

Our services include:

• Collecting and evaluating funding applications submitted by small business owners
• Matching applicants with appropriate third-party lenders based on their business profile
• Facilitating communication between applicants and funding partners
• Providing educational content about business funding options

We earn a commission from our funding partners when a successful match and funding arrangement is completed.

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of or operate a business legally registered in the United States
• Have the legal authority to enter into financial agreements on behalf of your business
• Provide accurate, complete, and truthful information in any application or communication

We reserve the right to deny services to any applicant at our discretion, including those we believe may be providing false or misleading information.

When using our website and services, you agree to:

• Provide accurate, current, and complete information in all applications and communications
• Not impersonate any person or entity or misrepresent your authority to act on behalf of a business
• Not submit fraudulent, misleading, or fabricated financial documentation
• Not use our website for any unlawful purpose or in violation of applicable federal or state law
• Not attempt to reverse-engineer, scrape, or disrupt our website or systems
• Not use automated bots or scripts to access or interact with our services

We reserve the right to immediately terminate access to our services for violations of this section and to report suspected fraud to relevant authorities.

Rates, terms, and funding amounts described on our website are illustrative averages and may vary significantly based on your business profile, creditworthiness, industry, state of operation, and the criteria of individual funding partners.

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, completeness, or timeliness of content on the website

New Tide Funding is not a licensed financial advisor, broker-dealer, investment advisor, or attorney. Nothing on our website constitutes financial, legal, tax, or investment advice. Always consult with qualified professionals before making financial decisions for your business.

To the fullest extent permitted by applicable law, New Tide Media LLC dba New Tide Funding and its officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, loss of data, or business interruption — arising out of or related to your use of our services, even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claims arising out of or related to these Terms shall not exceed the greater of (a) the fees paid by you to New Tide Funding in the twelve months preceding the claim, or (b) one hundred dollars ($100).

Some jurisdictions do not allow certain limitations on liability, so some of the above may not apply to you.

You agree to indemnify, defend, and hold harmless New Tide Media LLC dba New Tide Funding and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from:

• Your use of our website or services
• Your violation of these Terms of Use
• Your submission of false, misleading, or fraudulent information
• Any infringement by you of any intellectual property or other rights of any third party

All content on the New Tide Funding website — including text, graphics, logos, images, and software — is the property of New Tide Media LLC dba New Tide Funding or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may view and print content from our website for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from our website without our prior written permission.

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our practices, including how we handle your personal information and SMS consent data.

Our services involve connecting you with third-party funding partners who have their own terms, conditions, and privacy practices. By accepting a funding offer from a third-party partner, you enter into a separate agreement with that partner, subject to their terms.

New Tide Funding is not responsible for the products, services, content, or practices of any third-party funding partner, and your dealings with those partners are solely between you and them.

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason — including if we believe you have violated these Terms, provided false information, or engaged in fraudulent activity.

You may stop using our services at any time. If you have opted in to SMS communications, reply STOP to any message to immediately opt out.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.

You agree that any claim or cause of action arising out of these Terms must be filed within one (1) year after the claim arose, or it will be permanently barred.

We may update these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will update the "Effective Date" at the top of this page. We may also notify you by email or by posting a notice on our website.

Your continued use of our services after any update constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

If you have questions or concerns about these Terms of Use, please contact us: