1. Introduction

Welcome to the website of Onyx Funding Group (“Onyx Funding Group,” “we,” “us,” or “our”).
These Terms and Conditions (“Terms”) govern your access to and use of our website, including any content, functionality, and services offered through it (the “Site”), as well as the use of any online forms or applications made available on the Site.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use the Site.

The Site is intended for use by individuals and entities located in the United States who are at least 18 years of age and legally capable of entering into binding contracts.

2. No Offer of Credit / No Guarantee of Approval

Information on the Site is provided for general informational purposes only and does not constitute:

• A commitment to lend
• A loan offer or guarantee of approval
• Financial, legal, tax, or accounting advice

Any loan or financing is subject to formal review, underwriting, eligibility criteria, and the terms of separate, definitive written agreements. We reserve the right to approve or decline any application in our sole discretion.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not:

• Use the Site in any way that violates applicable federal, state, or local law or regulation
• Provide false, inaccurate, or misleading information
• Attempt to gain unauthorized access to any part of the Site, other accounts, computer systems, or networks
• Interfere with or disrupt the operation of the Site or servers
• Use any automated means (including robots, spiders, or scripts) to access the Site for any purpose without our express written permission

We may suspend or terminate access to the Site for any user who violates these Terms or engages in conduct we deem harmful to the Site, other users, or our business.

4. Online Applications and User Information

When you submit information through an application form or contact form on the Site, you agree that:

• All information you provide is accurate, complete, and current to the best of your knowledge
• You are authorized to provide such information on behalf of yourself and/or your business
• We may use and share your information as described in our Privacy Policy

Submission of an application does not obligate us to provide financing or any specific service.

5. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, software, and design (collectively, “Content”), is owned by or licensed to Onyx Funding Group and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may use the Site and its Content for personal or internal business purposes only. You may not copy, reproduce, distribute, modify, create derivative works, publicly display, publicly perform, republish, download, store, or transmit any Content without our prior written consent, except for:

• Temporary caching by your web browser
• Printing or downloading a reasonable number of pages for your own internal, non-commercial use

All trademarks, service marks, logos, and trade names displayed on the Site are the property of Onyx Funding Group or their respective owners. You may not use such marks without prior written authorization.

6. Third-Party Links and Services

The Site may contain links to third-party websites or resources that are not owned or controlled by us. We are not responsible for the content, products, services, or practices of any third-party sites.

Accessing any third-party site is at your own risk, and such sites may be subject to their own terms and privacy policies.

7. Disclaimers

The Site and all Content are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, completeness, reliability, or availability of the Site or Content
• Warranties that the Site will be error-free, secure, or free of viruses or harmful components

You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for data accuracy and security, and for maintaining any means to reconstruct lost data.

8. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Onyx Funding Group, its affiliates, directors, officers, employees, or agents be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising out of or in connection with:

• Your access to or use of (or inability to access or use) the Site
• Any Content on the Site
• Any decisions or actions you take based on information presented on the Site

Our total aggregate liability to you for any and all claims arising out of or relating to these Terms or your use of the Site shall not exceed one hundred U.S. dollars (USD $100), to the fullest extent permitted by law.

9. Indemnification

You agree to defend, indemnify, and hold harmless Onyx Funding Group, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:

• Your use of or access to the Site
• Your violation of these Terms
• Your violation of any third-party right, including any intellectual property or privacy right

10. Governing Law and Jurisdiction

These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the State of Florida and, to the extent applicable, the federal laws of the United States, without giving effect to any choice or conflict of law provisions.

You agree that any legal action or proceeding arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you hereby consent to the jurisdiction and venue of such courts.

11. Changes to the Site and Terms

We may update, modify, or discontinue any part of the Site at any time without notice.

We may revise these Terms from time to time by posting the updated version on the Site and updating the “Last updated” date. Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms.

12. Contact Information

If you have any questions about these Terms, you may contact us at:

Onyx Funding Group
Miami, Florida, USA

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1. Introduction

This Privacy Policy describes how Onyx Funding Group (“Onyx Funding Group,” “we,” “us,” or “our”), based in Miami, Florida, collects, uses, shares, and protects information obtained through our website (the “Site”) and any online forms, including application forms, that you submit.

By accessing the Site or submitting information through it, you agree to the practices described in this Privacy Policy. If you do not agree with this Policy, you should not use the Site or submit information.

This Privacy Policy is intended to comply with applicable U.S. federal and Florida state laws governing privacy and data protection for the types of activities described.

2. Information We Collect

We may collect the following categories of information when you visit the Site or submit an application or contact form:

a. Information You Provide Directly

• Personal Information: Name, email address, phone number, mailing address, date of birth, and other identifying information.
• Business Information: Business name, entity type, industry, business address, time in business, revenue, number of employees, employer identification number (EIN), and similar details.
• Financial Information: Bank account information, transaction history, business financial statements, tax returns, outstanding debts, and other information relevant to evaluating financing eligibility.
• Application Details: Requested loan amount, purpose of financing, product preferences, and any other data you include in your application, uploads, or messages.

b. Information Collected Automatically

When you visit the Site, we may automatically collect certain information about your device and usage, such as:

• IP address
• Browser type and version
• Device identifiers
• Operating system
• Referring/exit pages
• Pages viewed and links clicked
• Dates and times of visit

This type of information is generally collected through cookies, pixels, and similar technologies.

c. Information from Third Parties

We may obtain information about you from third-party sources, such as:

• Credit bureaus and consumer reporting agencies
• Banking partners and financial institutions
• Public records and commercially available databases
• Service providers that assist us with identity verification, fraud detection, and creditworthiness assessment

We use this information to help verify your identity, assess your application, comply with legal obligations, and improve our services.

3. How We Use Your Information

We may use the information we collect for the following purposes:

• To process, evaluate, and underwrite your application for financing
• To verify your identity and perform credit checks or other due diligence
• To communicate with you about your application, account, or inquiries
• To provide, maintain, personalize, and improve the Site and our services
• To send you important updates, legal notices, and information about changes to our terms or policies
• To send marketing or promotional communications (where permitted by law and consistent with your choices)
• To detect, investigate, and prevent fraud, unauthorized activities, or other misuse
• To comply with applicable laws, regulations, legal processes, and regulatory requests
• For internal analytics, reporting, and business operations

We will not sell your personal information to third parties in the ordinary sense of “sale,” although we may share information in ways described below.

4. How We Share Your Information

We may share your information with:

• Affiliates and Business Partners: Entities related to Onyx Funding Group or partners that help evaluate or provide financing solutions.
• Service Providers: Third-party vendors who perform services on our behalf, such as data hosting, IT support, analytics, customer support, identity verification, credit checks, and payment processing.
• Financial Institutions and Lenders: Banks or other lending partners that participate in providing or funding your financing.
• Credit Bureaus and Consumer Reporting Agencies: As part of application review, ongoing account servicing, and reporting.
• Professional Advisors: Lawyers, accountants, auditors, or consultants as needed.
• Legal and Regulatory Authorities: When required to comply with law, regulation, legal process, or government request, or to protect our rights, property, or safety, or that of our users or others.
• Business Transfers: In connection with a merger, acquisition, restructuring, sale of assets, or similar corporate transaction involving Onyx Funding Group, your information may be transferred as part of that transaction.

We require service providers and partners to protect personal information and use it only for permitted purposes.

5. Cookies and Tracking Technologies

We may use cookies, web beacons, pixels, and similar technologies to:

• Recognize your browser or device
• Remember your preferences
• Analyze Site traffic and usage
• Improve Site performance and user experience
• Support security and fraud prevention

You may be able to set your browser to refuse cookies or to alert you when cookies are being sent. However, some parts of the Site may not function properly without cookies.

6. Data Security

We use reasonable physical, administrative, and technical safeguards designed to protect personal information from loss, misuse, unauthorized access, disclosure, alteration, or destruction.

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, and you use the Site and provide information at your own risk.

7. Data Retention

We retain personal information for as long as necessary to:

• Fulfill the purposes for which it was collected
• Provide requested services and manage our relationship with you
• Comply with applicable legal, regulatory, and reporting obligations
• Resolve disputes and enforce our agreements

The specific retention period can vary depending on the nature of the information and legal requirements.

8. Your Choices and Rights

Depending on applicable law, you may have certain rights regarding your personal information, such as:

• Accessing or requesting a copy of the personal information we hold about you
• Requesting that we correct inaccurate or incomplete information
• Requesting deletion of personal information, subject to legal and legitimate business constraints
• Opting out of certain marketing communications

You can exercise your rights or update your preferences by contacting us using the information in the “Contact Us” section below.

If you receive marketing emails from us, you can opt out by following the unsubscribe instructions included in those emails. Even if you opt out of marketing, we may still send you non-marketing messages relating to your application, account, or legal notices.

9. Children’s Privacy

The Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete it. If you believe a child under 13 has provided us with personal information, please contact us.

10. Do Not Track Signals

Certain web browsers may allow you to send “Do Not Track” signals. At this time, we do not respond to browser-based “Do Not Track” signals. We may revisit this practice if a uniform standard is adopted.

11. State-Specific Notices

Depending on your state of residence, you may have additional rights under state law (for example, certain U.S. states provide enhanced privacy rights or disclosures). If you are a resident of such a state and applicable law grants you additional rights, you may contact us to exercise those rights, and we will respond in accordance with applicable law.

12. International Users

The Site is intended for individuals and businesses located in the United States. If you access the Site from outside the U.S., you understand that your information may be transferred to and processed in the United States, where data protection laws may differ from those in your jurisdiction.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. Any changes become effective when posted on the Site. Your continued use of the Site after the effective date of the revised Policy constitutes your acceptance of the changes.

14. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Onyx Funding Group
Miami, Florida, USA

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