Effective Date: March 18, 2026

Welcome to R James & Associates LLC. These Terms of Service ("Terms") govern your access to and use of our website at https://www.rjamesandassociates.com and our business funding consulting services. By using our website or services, you agree to be bound by these Terms.

1. Services Provided
R James & Associates LLC provides small business funding consulting and loan referral services, including:

Small Business Loans

Business Line of Credit

SBA Loans

Equipment Financing

Accounts Receivable Financing

Merchant Cash Advance / Working Capital

We act as a funding consultant and loan broker. We connect business owners with third-party lending partners. We are not a lender and do not guarantee loan approval, specific funding amounts, interest rates, or repayment terms. All final lending decisions are made solely by our lending partners.

2. Eligibility
To use our services, you must:

Be at least 18 years of age

Be a legal resident or entity authorized to operate in the United States

Provide accurate, complete, and truthful information in all applications

3. SMS Messaging Terms
By providing your mobile phone number and opting in to receive SMS from R James & Associates LLC, you agree to:

Receive text messages including loan updates, funding alerts, appointment reminders, and follow-ups

Message Frequency: Up to 4 messages per month

Message & Data Rates May Apply

To opt out, reply STOP to any message

To request help, reply HELP or call +1 (866) 764-7760

Consent to SMS is not a condition of any purchase or service

4. User Responsibilities
By using our services, you agree to:

Provide accurate and complete information on all funding applications

Not misrepresent your business, finances, or personal information

Not use our website or services for any unlawful or fraudulent purpose

Keep your contact information current

5. No Guarantee of Funding
R James & Associates LLC does not guarantee that any funding application will be approved. We are not liable for any declined application or failure to secure funding.

6. Fees & Compensation
R James & Associates LLC may receive compensation from lending partners upon the successful completion of a funding transaction. Our services to you as a borrower are provided at no direct charge unless otherwise disclosed in writing.

7. Intellectual Property
All content on our website, including text, graphics, and logos, is the property of R James & Associates LLC and protected by applicable copyright laws. You may not reproduce or distribute any content without our express written consent.

8. Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind. We do not warrant that the website will be uninterrupted or error-free.

9. Limitation of Liability
To the fullest extent permitted by law, R James & Associates LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

10. Privacy Policy
Your use of our services is also governed by our Privacy Policy, available at https://www.rjamesandassociates.com/privacy-policy.

11. Governing Law
These Terms shall be governed by the laws of the State of Florida. Any legal disputes shall be resolved exclusively in the state or federal courts of Duval County, Florida.

12. Changes to These Terms
We reserve the right to modify these Terms at any time. Continued use of our services after any changes constitutes acceptance of the updated Terms.

13. Contact Us
R James & Associates LLC
444 W 60th St, Jacksonville, FL 32208
📧 [email protected]
📞 +1 (866) 764-7760
🌐 https://www.rjamesandassociates.com