Last updated: 11/08/2026
Please read these Terms of Service («Terms») carefully before using smallbizfinancelab.com (the «Site»), operated by Small Biz Finance Lab («we,» «us,» or «our»).
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. About This Site
Small Biz Finance Lab provides educational content about small business financing, including loans, lines of credit, grants, and related topics. We are not a lender, broker, bank, or financial institution, and nothing on this Site constitutes a loan offer, loan application, or guarantee of financing.
2. Not Financial, Legal, or Tax Advice
The content on this Site is provided for general informational purposes only and does not constitute financial, legal, tax, or professional advice. You should not rely on any content on this Site as a substitute for consultation with a qualified financial advisor, attorney, accountant, or lender regarding your specific circumstances.
Rates, terms, eligibility requirements, and program details referenced on this Site are typical ranges or examples and may not reflect current or exact offerings from any specific lender. Always confirm current terms directly with the relevant lender or institution before making financial decisions.
3. No Guarantee of Outcomes
We do not guarantee that any information on this Site will result in loan approval, a specific interest rate, or any particular financial outcome for your business. Financing decisions are made solely by the relevant lender based on their own underwriting criteria.
4. Third-Party Links and Services
The Site may contain links to third-party websites, lenders, and services, including affiliate links (see our [Advertiser Disclosure]). We do not control and are not responsible for the content, accuracy, products, services, or privacy practices of any third-party site. Your use of any third-party site or service is governed by that party’s own terms and policies.
5. Intellectual Property
All content on this Site — including text, graphics, logos, and design — is owned by or licensed to SmallBizFinanceLab and is protected by applicable copyright and trademark laws, unless otherwise noted. You may not reproduce, distribute, or create derivative works from our content without our prior written permission, except for personal, non-commercial use with proper attribution.
6. Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose or in violation of these Terms
- Attempt to gain unauthorized access to the Site, its servers, or any connected systems
- Interfere with or disrupt the Site’s functionality, including through malware, scraping, or excessive automated requests
- Reproduce, resell, or republish substantial portions of our content without permission
- Use the Site to submit false, misleading, or fraudulent information through our contact forms or other tools
7. User Submissions
If you submit information to us (for example, through our contact form or newsletter sign-up), you represent that the information is accurate and that you have the right to submit it. See our [Privacy Policy] for how we handle this information.
8. Disclaimers
THE SITE AND ITS CONTENT ARE PROVIDED «AS IS» AND «AS AVAILABLE,» WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY INFORMATION ON THE SITE IS CURRENT OR ACCURATE AT ALL TIMES.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SMALL BIZ FINANCE LAB AND ITS OWNERS, EMPLOYEES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT ON THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THIS INCLUDES, WITHOUT LIMITATION, ANY FINANCING DECISIONS MADE BASED ON INFORMATION FOUND ON THIS SITE. YOU ARE SOLELY RESPONSIBLE FOR EVALUATING AND VERIFYING ANY FINANCIAL PRODUCT OR LENDER BEFORE ENTERING INTO AN AGREEMENT.
10. Indemnification
You agree to indemnify and hold harmless Small Biz Finance Lab, its owners, employees, and contributors from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Site or violation of these Terms.
11. Changes to the Site and These Terms
We may modify, suspend, or discontinue the Site, or any part of it, at any time without notice. We may also update these Terms from time to time; continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.
12. Governing Law
These Terms are governed by the laws of the State of [State], without regard to its conflict of law principles, unless otherwise required by applicable law.
13. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
14. Contact Us
If you have questions about these Terms, please contact us:
Email: legal@smallbizfinancelab.com Mailing address: Small Biz Finance Lab, Valencia, 46002
You can also reach us through our [Contact Us] page.
This Terms of Service page is provided as a general template and does not constitute legal advice. We recommend having this document reviewed and customized by a licensed attorney familiar with applicable law before publishing it on your live site.