Terms & Conditions - Churchfield Trading Company

Agreement to Terms

These Terms and Conditions constitute a legally binding agreement made between you and Churchfield Trading Company ("we," "us," or "our"), concerning your access to and use of our website and services. You agree that by accessing the site or using our services, you have read, understood, and agree to be bound by all of these Terms and Conditions.

If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the site and services and you must discontinue use immediately.

Use of Services

By using our services, you represent and warrant that:

You have the legal capacity and you agree to comply with these Terms and Conditions
You are at least 18 years of age
All information you provide is true, accurate, current, and complete
You will maintain the accuracy of such information and promptly update it as necessary
You will not use the services for any illegal or unauthorized purpose

Financial Services

Churchfield Trading Company provides direct lending and financial services. Our services are subject to:

Completion of required application processes and documentation
Credit evaluation and approval criteria
Compliance with applicable federal, state, and local laws and regulations
Specific terms outlined in individual loan agreements or financial service contracts

All lending decisions are made at our sole discretion. Submission of an application does not guarantee approval or funding.

SMS Terms & Conditions

By providing your mobile phone number and opting in, you agree to receive SMS text messages from Churchfield Trading Company, including messages sent using an automatic telephone dialing system, for customer care, informational, account-related, and promotional or marketing purposes. Message frequency may vary based on your interactions with us. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at charles@churchfield-trading-company.com. Consent to receive SMS messages is not required as a condition of purchase. We reserve the right to modify or discontinue SMS messaging at any time.

Intellectual Property Rights

Unless otherwise indicated, the site and services are our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the site (collectively, the "Content") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

The Content is provided for your information and personal use only. You may not copy, reproduce, distribute, transmit, display, sell, license, or otherwise exploit any Content for any other purposes without our prior written consent.

User Representations and Warranties

By using the site or services, you represent and warrant that:

All registration information you submit will be true, accurate, current, and complete
You will maintain the accuracy of such information
You have the legal capacity to comply with these Terms and Conditions
You will not access the site or services through automated or non-human means
You will not use the site or services for any illegal or unauthorized purpose

Prohibited Activities

You may not access or use the site or services for any purpose other than that for which we make the site available. Prohibited activities include, but are not limited to:

Systematically retrieving data or other content from the site to create a collection or database without our permission
Making any unauthorized use of the site or services
Using the site or services to advertise or offer to sell goods and services
Engaging in unauthorized framing of or linking to the site
Tricking, defrauding, or misleading us and other users
Interfering with, disrupting, or creating an undue burden on the site or the networks or services connected to the site
Attempting to impersonate another user or person
Using any information obtained from the site in order to harass, abuse, or harm another person
Uploading or transmitting viruses, Trojan horses, or other material that interferes with any party's uninterrupted use of the site

Limitation of Liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site or services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of your use of the site or services, breach of these Terms and Conditions, or violation of the rights of a third party.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms and Conditions will be brought exclusively in the courts located in California, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

Dispute Resolution

Any dispute arising from these Terms and Conditions or your use of our services shall first be attempted to be resolved through good faith negotiations between the parties. If a resolution cannot be reached, the dispute may be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.

Modifications to Terms

We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of these Terms and Conditions. Your continued use of the site or services following the posting of revised Terms and Conditions means that you accept and agree to the changes.

Severability

If any provision of these Terms and Conditions is held to be unlawful, void, or unenforceable, then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions.

Contact Information

If you have any questions or comments about these Terms and Conditions, please contact us at:

Churchfield Trading Company
3640 Sagunto St
Santa Ynez, CA 93460
Email: charles@churchfield-trading-company.com