Terms & Conditions

Welcome to Your Family Healthcare. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our services.

1. Acceptance of Terms

By accessing and using the Your Family Healthcare website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.

2. Description of Services

Your Family Healthcare provides business funding solutions for healthcare practices and medical professionals. Our services include:

• Working capital loans for healthcare practices
• Equipment financing for medical equipment
• Revenue-based financing options
• Practice expansion financing
• Financial consultation and support services

We are a direct lender and maintain control over the entire funding process from application to approval to disbursement.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding contracts
• Operate a legitimate healthcare practice or business
• Provide accurate and complete information in your application
• Meet our minimum qualification requirements

4. Application Process

Submitting an Application

When you submit a funding application through our website, you represent and warrant that:

• All information provided is accurate, current, and complete
• You have the authority to apply on behalf of your practice or business
• You will provide additional documentation as requested
• You understand that submission does not guarantee approval

Application Review

We review all applications based on various factors including but not limited to:

• Credit history and creditworthiness
• Business revenue and financial health
• Time in operation
• Industry and business type
• Funding amount requested

We reserve the right to approve or deny any application at our sole discretion.

5. Funding Terms

If your application is approved:

• You will receive a funding offer detailing the terms, amount, fees, and repayment schedule
• You must review and accept the offer before funds are disbursed
• All terms are binding once you accept the offer
• Repayment terms vary based on the funding product selected
• Early repayment options may be available depending on your funding agreement

6. Fees and Costs

All fees and costs associated with your funding will be clearly disclosed in your funding offer. These may include:

• Origination fees
• Administrative fees
• Interest charges or factor rates
• Late payment fees (if applicable)

We do not charge hidden fees. All costs will be disclosed upfront before you accept any funding offer.

8. User Obligations

When using our services, you agree to:

• Provide accurate and truthful information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access to your account
• Use our services only for lawful purposes
• Comply with all applicable laws and regulations
• Make timely payments according to your funding agreement

9. Prohibited Uses

You may not use our services to:

• Submit false or misleading information
• Engage in fraudulent activities
• Violate any applicable laws or regulations
• Infringe on the rights of others
• Interfere with the proper functioning of our website or services
• Attempt to gain unauthorized access to our systems

10. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Your Family Healthcare and is protected by copyright and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our content
• Reverse engineer or decompile any software used in our services

11. Limitation of Liability

To the maximum extent permitted by law, Your Family Healthcare shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from:

• Your use of or inability to use our services
• Any errors or omissions in our content
• Unauthorized access to your account or information
• Service interruptions or delays

12. Indemnification

You agree to indemnify, defend, and hold harmless Your Family Healthcare, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any false or misleading information you provide

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the modified Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts located in Galveston County, Texas.

15. Dispute Resolution

In the event of any dispute arising from these Terms or your use of our services, you agree to first attempt to resolve the dispute informally by contacting us at niki@your-family-healthcare.com. If the dispute cannot be resolved informally, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Your Family Healthcare regarding the use of our services and supersede all prior agreements and understandings, whether written or oral.

18. Contact Information

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

Your Family Healthcare
6848 Avenue B
Santa Fe, TX 77510
Email: niki@your-family-healthcare.com

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.