Disclaimer

Introduction

At Pro Funding Options, we believe in being transparent and honest in all of our advertising and marketing practices. These Advertising & Marketing Disclosures explain how our platform is funded, how we present information to you, and the standards and regulations we adhere to in our marketing communications. By using our site or interacting with our marketing content (emails, advertisements, etc.), you should understand the following:

How We Make Money (Compensation Disclosure)

Pro Funding Options is a direct lender. We generate revenue through the interest and fees associated with the funding we provide directly to you. There are no third-party referral fees or commissions involved. We do not sell or share your information with other companies.

All funding decisions, rates, and terms are determined internally by Pro Funding Options based on your application and creditworthiness. We work directly with you throughout the entire funding process, from application to funding.

Truth in Advertising and FTC Compliance

Pro Funding Options adheres to the principle of "truth in advertising." This means all statements in our advertisements, emails, and web content must be truthful and not misleading, and any claims are supported by evidence. We comply with the Federal Trade Commission (FTC) guidelines and regulations regarding advertising, marketing, and endorsements. For example:

Clear and Conspicuous Disclosures:

If an offer has material conditions (such as "rates as low as X%" which only some users qualify for), we endeavor to disclose those conditions clearly. We avoid fine print that would mislead the average consumer.

Testimonials & Endorsements:

Any testimonials, reviews, or endorsement content we use in marketing are either from real users or identified as such. Some reviews may be aggregated from third-party platforms (e.g., TrustPilot or Google reviews) to provide an overview of user sentiment. If we ever use an endorsement from a person with whom we have a material connection (for example, a paid spokesperson or affiliated brand ambassador), we will clearly disclose the material connection in accordance with FTC Endorsement Guides. We do not falsify or fabricate any reviews or testimonials.

No Guaranteed Results:

We never guarantee that you will achieve specific results (for instance, "cut your debt in half!" or "get a loan in 5 minutes guaranteed"). Any claims about outcomes are either examples or averages, and individual results will vary. Whenever success stories or hypothetical scenarios are mentioned, we clarify that they are not universal.

Monitoring and Compliance:

Our marketing team and compliance team review advertising materials for compliance with laws and guidelines. We remain up-to-date with FTC rules, including guidelines on digital advertising, social media, and email marketing, to ensure our practices meet current standards.

By following these practices, we aim to provide you with information that is helpful without deceptive hype. If you ever spot an advertisement or statement from Pro Funding Options that you believe is inaccurate or misleading, please let us know.

Email & SMS Marketing Disclosures

When Pro Funding Options sends you marketing emails or text messages, we abide by the following principles:

For SMS/text messages, we include instructions on how to opt out (e.g., replying "STOP"). Standard message and data rates may apply, and frequency of messages will be as described when you opted in. We only send SMS messages to users who have given explicit consent, per TCPA requirements.

Funding Offer Disclosure

The funding opportunities described in our marketing materials are originated by Pro Funding Options. Illustrations, comparisons, or testimonials are provided to help you understand how our programs work, but final terms are determined after we review your full application.

• Illustrative Examples: Any sample rates, payment amounts, or timelines are for demonstration only. Actual terms depend on underwriting, including revenue, credit profile, industry, and existing obligations.
• Documentation Requirements: We may request bank statements, tax returns, financial statements, or other documentation to verify eligibility. Failure to provide requested information may delay or prevent approval.
• Program Availability: Certain funding programs or promotional incentives may have geographic, industry, or credit-based restrictions and can change without prior notice.
• No Guaranteed Approval: Submitting an application or receiving a pre-qualification message does not guarantee funding. Approvals occur only after Pro Funding Options completes its underwriting and issues final agreements.

Regulatory Compliance Statements

Pro Funding Options is committed to complying with all applicable federal and state regulations governing our marketing activities. This includes, but is not limited to:

• TCPA (Telephone Consumer Protection Act): We only call or text consumers who have given us proper consent and honor opt-out requests.
• CAN-SPAM Act: Our emails meet CAN-SPAM requirements, including accurate subject lines and functional unsubscribe mechanisms.
• State Privacy Laws: We honor opt-out requests under laws like CCPA/CPRA and comply with data sharing rules. See our Privacy Policy for more details.
• GLBA (Gramm-Leach-Bliley Act): We comply with applicable privacy provisions and safeguard consumer financial data.
• UDAP (Unfair or Deceptive Acts or Practices): We avoid unfair or deceptive acts or practices in all our marketing and business operations.
• FTC Act Section 5: We conduct our advertising in accordance with FTC Act provisions prohibiting unfair or deceptive acts or practices in commerce.

Industry-Specific Disclaimers

Working Capital & Revenue-Based Financing:

Pro Funding Options originates working capital solutions designed to provide fast access to funding for qualified businesses. Repayment structures may include daily, weekly, or monthly drafts based on a percentage of revenue or fixed payments. Actual rates, fees, and repayment terms depend on underwriting factors such as revenue stability, time in business, credit profile, and existing obligations.

Business Lines of Credit & Term Options:

Some of our programs function like revolving credit or term advances. Credit limits, draw schedules, and amortization periods vary by program. Drawing on available credit increases your outstanding balance and may affect future funding eligibility. Late or missed payments can result in additional fees and may impact your credit.

Use of Funds & Compliance:

Funds provided by Pro Funding Options should be used for lawful business purposes. You are responsible for ensuring the use of proceeds complies with applicable laws, existing contractual obligations, and tax requirements. We do not provide legal, tax, or accounting advice; consult qualified professionals before making financial decisions.

Our marketing may reference broader financial topics for educational purposes, but Pro Funding Options does not sell insurance policies, offer credit repair services, or broker mortgages. If we ever promote a product that is not directly originated by us, we will clearly identify the provider and applicable licensing information.

Service Providers & Vendors

Pro Funding Options utilizes trusted third-party vendors to support technology, communications, data security, and compliance operations. These vendors act on our instructions and do not have permission to use your information for their own marketing purposes.

Before onboarding a vendor, we assess their security posture, contractual commitments, and regulatory compliance. We require confidentiality agreements, enforce data protection standards, and monitor performance to ensure they honor opt-out requests and legal obligations.

If you believe a communication sent on our behalf violates these standards, please notify compliance@profundingoptions.com so we can investigate and take corrective action.

Accessibility of Marketing Materials

We are committed to making our marketing content accessible to individuals with disabilities, in accordance with applicable accessibility standards. If you encounter any accessibility barriers in our marketing materials or on our website, please contact us at info@profundingoptions.com. We will work to provide the information in an alternative format that meets your needs.

Updates to These Disclosures

This Disclaimer page may be updated periodically to reflect changes in our practices, services, or applicable laws and regulations. We will post any updated version on our website with a new effective date. Material changes may be highlighted on our website or communicated via email to users. We encourage you to review this page periodically to stay informed about our advertising and marketing practices.

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