Terms & Conditions

Welcome to DBF Group LLC (DBA: Direct Business Funding). These Terms of Service (the “Agreement”) govern your use of all products, services, strategies, consulting, support, deliverables, and program access (collectively, the “Services”) provided by DBF Group LLC (“DBF Group,” “Direct Business Funding,” “we,” “our,” or “us”), a Florida limited liability company.
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By using our Services, signing a contract, invoice, order form, Statement of Work, or any other purchase document that references these Terms, you agree to be bound by this Agreement. These Terms are binding whether agreed to by clicking “I Accept,” signing a service order, paying an invoice or payment link, executing an agreement, or using any DBF Group services. Additional terms may be defined in a specific Service Agreement, Order Form, Statement of Work, Program Agreement, or Invoice. Those documents are incorporated by reference and collectively form part of your full agreement with DBF Group. The terms outlined herein apply to all Services unless superseded by a more specific written agreement executed by both parties.

Definitions
Capitalized terms used in this Agreement but not otherwise defined herein shall have the meanings set forth in Appendix A – Definitions, included at the end of this document.

1. Scope of Services & Professional Capacity
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DBF Group provides funding-related consulting, strategic, and implementation services. Depending on the product or program purchased, Services may include credit profiling and optimization, funding-readiness consulting, lender positioning, lender introductions, funding sequence strategy, business structuring guidance, bankability preparation, application support, credit-related workflow support, and related implementation assistance.
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DBF Group acts as a consultant, strategist, and intermediary in connection with business funding and credit-related opportunities. We are not a direct lender, bank, credit issuer, underwriter, broker-dealer, law firm, accounting firm, or investment advisor, and we do not make lending decisions on behalf of any financial institution.
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DBF Group does not provide legal, tax, accounting, or investment advice, and our Services should not be interpreted as such. Clients are solely responsible for evaluating funding offers, structuring their businesses, understanding obligations associated with any funding obtained, and complying with all applicable laws, regulations, and financial requirements. Clients are encouraged to consult licensed legal, tax, or financial professionals regarding matters outside the scope of DBF Group’s Services.
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Specific Services, deliverables, program structure, fee terms, and service components may vary by product tier, custom offer, invoice, or order form. Those documents are incorporated by reference and govern the scope of the Client’s purchase.

Client Approval and Consultant Disclaimer

‍DBF serves strictly as a consultant and does not make final decisions for the client. The client is solely responsible for reviewing all information, recommendations, and application details, and for approving or declining any strategy or submission. Any guidance provided by DBF, including recommendations regarding application structuring, income reporting, and related data points, is advisory in nature only. By authorizing submission, the client acknowledges that they have reviewed the information and chosen to proceed at their own discretion.

2. Fees and Payment Terms
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Unless stated otherwise in your invoice, order form, or written agreement, the following terms shall apply:
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Upfront Fees
An upfront program fee may be required to initiate Services. This fee is due according to the terms set forth in the applicable payment link, invoice, order form, or service agreement. If payment is not received within the stated payment period, DBF Group may suspend onboarding, delay service commencement, cancel scheduling, or assess reasonable administrative fees associated with reprocessing, reactivation, or rescheduling.
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Unless otherwise expressly stated in writing, the Client is purchasing access to a service-based program, not a guaranteed funding outcome, not a guaranteed approval amount, and not a time-bound promise of capital within a specific number of days.
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If any Services are commenced, rendered, scheduled, delivered, prepared, or performed in any amount, the upfront program fee shall be considered earned to the extent of Services performed, subject only to any refund review expressly approved under this Agreement.

2.2 Invoices as Controlling Documents
All fees, service types, program tiers, pricing structures, installment schedules, and payment obligations shall be governed by the payment link, invoice, order form, Service Agreement, Program Agreement, or other purchase document issued to the Client. If there is any conflict between these Terms and a more specific written purchase document, the purchase document shall control to the extent of the conflict.All fees, service types, and pricing structures shall be governed by the invoice or order form issues to the client. If there is any conflict between these Terms and the invoice, the invoice shall control.

2.3 Funding Guarantee Dislaimer
Any funding guarantee offered by DBF Group's is conditional and shall be explicitly stated in your invoice or agreement. If no guarantee amount is listed, no funding guarantee shall be implied or assumed. All funding guarantees are subject to client compliance, full cooperation, and completion of the funding sequence as instructed. DBF Group reserves the right to revoke the guarantee if any material terms are violated or if client credit circumstances materially change after onboarding.

2.4 Partnership Commitment
DBF Group may, depending on the program purchased, provide a continuing partnership-oriented service relationship designed to help Client work toward an intended funding objective over time. Unless a specific term is stated in the governing agreement, this partnership commitment is not subject to a guaranteed deadline or guaranteed timeframe.

DBF Group’s partnership commitment means that, so long as Client remains in good standing, fully cooperative, payment-compliant, responsive, and materially aligned with program requirements, DBF Group will continue working with Client through the applicable strategic process until one of the following occurs:

1. the intended funding objective is achieved in DBF Group’s reasonable assessment;
2. the scope of purchased Services has been materially completed;
3. Client materially breaches this Agreement or fails to cooperate with the process;
4. Client abandons participation, becomes unresponsive, or refuses to complete required steps; or
5. the relationship is otherwise terminated in accordance with this Agreement.

This partnership commitment does not create a guarantee of approval, guarantee of timing, or perpetual obligation to perform regardless of Client conduct.

2.5 Stored Card Authorization
If Client elects to pay in multiple installments, agrees to recurring billing, provides a card for future charges, or authorizes DBF Group to retain a payment method for outstanding balances, Client authorizes DBF Group to securely store the payment method on file and charge the card or payment method for scheduled installments, approved invoices, outstanding balances, late fees, reactivation fees, or other payment obligations arising under the Agreement.A processing fee of 4% will be applied to all payments made via credit card. This fee reflects actual costs incurred by DBF Group to process card transactions. Clients may avoid this fee by paying via ACH or Wire Trasnfer.

No additional approval is required for each scheduled installment or authorized charge, unless otherwise required by law.

2.5 Stored Card Authorization
If Client elects to pay in multiple installments as outlined in the Agreement, Client hereby authorizes DBF Group to securely store their payment method and automatically charge the card on file for each installment on the scheduled payment dates listed in the Agreement. No further approval or notice is required for each charge.

2.6 Invoice Disputes
Client must notify DBF Group in writing within three (3) business days of receiving an invoice if Client disputes any invoiced charge. After that period, invoices shall be deemed accepted absent manifest error. Client remains responsible for undisputed amounts and must pay them in accordance with the stated payment terms.DisputesYou must notify DBF Group in writing within three (3) days of receiving an invoice to dispute any charges. After that period, invoices are deemed accepted. You remain responsible for undisputed amounts and must pay them in accordance with the stated payment terms.

2.7 Late Payments
A late administrative fee of one hundred dollars ($100) may be assessed for overdue balances. Interest may also accrue at the rate of 1.5% per month, or the maximum amount permitted by law, whichever is lower. Client is responsible for reasonable collection costs, including attorneys’ fees and costs, if collection efforts are required.A late fee of $100 will be assessed for overdue payments. Interest will also accrue at 1.5% per month (or the maximum permitted by law). You are responsible for any collection costs, including reasonable attorney fees.

2.8 Refund Review Policy / Dissatisfaction Procedure
DBF Group does not offer no-questions-asked cancellations or automatic refunds once Services have begun, because Client is purchasing a strategic service program that requires time, planning, internal labor, and coordination.
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If Client believes DBF Group has materially failed to deliver Services required under the governing Agreement, Client may submit a written request for refund review. A valid refund review request must be sent by email to DBF Group and must include the subject line: “Dissatisfaction with Services and Refund Request.”A late administrative fee of one hundred dollars ($100) may be assessed for overdue balances. Interest may also accrue at the rate of 1.5% per month, or the maximum amount permitted by law, whichever is lower. Client is responsible for reasonable collection costs, including attorneys’ fees and costs, if collection efforts are required.A late fee of $100 will be assessed for overdue payments. Interest will also accrue at 1.5% per month (or the maximum permitted by law). You are responsible for any collection costs, including reasonable attorney fees.

The written request must include, at a minimum:
1. a specific description of the Services or deliverables Client believes were not provided;
2. the factual basis for Client’s dissatisfaction;
3. the relevant dates or time period involved; and
4. an explanation of why Client believes a refund is warranted under the Agreement.

A general message such as “cancel my service,” “I changed my mind,” “stop the program,” or “I want my money back,” without supporting factual detail, shall not constitute a valid refund review request.
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Upon receipt of a valid request, DBF Group will conduct a good-faith internal review of the Client file, communications, service history, deliverables, level of completion, and Client cooperation. DBF Group will generally complete this review within seventy-two (72) business hours, excluding weekends, holidays, and delays caused by incomplete information or the need for further investigation.
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If DBF Group determines, in its reasonable business judgment and in good faith, that there was a legitimate and material failure by DBF Group to perform Services required under the Agreement, DBF Group may approve a partial refund or full refund, less:

- the fair market value of Services already rendered;
- labor, strategy, planning, support, onboarding, consulting, implementation, optimization, or application work already performed; and
- any hard costs, software costs, administrative costs, or third-party expenses incurred on Client’s behalf.

The valuation of Services rendered and expenses incurred shall be determined by DBF Group in good faith and in its reasonable business judgment.
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No refund shall be owed where dissatisfaction results in whole or in part from Client non-cooperation, delay, lack of responsiveness, failure to submit required documentation, failure to complete required action items, failure to attend meetings, failure to follow guidance, unauthorized outside applications, material changes in credit or business profile, loss of interest, or a mere desire to discontinue the program.
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Client acknowledges that a change of mind, change in preference, pause in interest, or unwillingness to continue does not create a right to cancellation or refund.

2.9 Chargeback and Payment Dispute Procedure
Client agrees to first submit any dissatisfaction regarding Services through the written refund review procedure above before initiating a chargeback, bank dispute, or card dispute.
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Failure to do so may be considered evidence that Client did not provide DBF Group a reasonable opportunity to review and resolve the matter internally. DBF Group reserves the right to dispute any chargeback or payment reversal where Services were commenced, delivered, scheduled, or otherwise performed.

3. Client Responsibilities
Client agrees to:
- provide accurate, complete, and timely information relating to personal credit, business credit, financial status, business structure, banking relationships, ownership, tax information, and funding objectives;
- promptly provide requested documents, logins, reports, verifications, signatures, supporting records, and other information needed for service delivery;
- respond in a timely manner when decisions, documentation, approvals, or input are required;
- notify DBF Group within twenty-four (24) hours of receiving any funding approval, funding offer, issued account, credit line, loan, or other capital-related result relevant to the engagement;
- avoid submitting funding applications, credit applications, or lender outreach outside DBF Group’s guidance where such conduct may interfere with the funding sequence or strategy;
- attend scheduled meetings, onboarding calls, and follow-up sessions, or timely reschedule where necessary;
- maintain professionalism and act in good faith throughout the engagement; and
- cooperate reasonably with all program requirements necessary for DBF Group to perform Services effectively.
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Client understands that failure to cooperate may delay results, impair outcomes, suspend Services, defeat refund eligibility, or constitute a material breach of this Agreement.Violations may result in penalties or service suspension.
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4. Confidentiality
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Each party agrees to protect Confidential Information shared during the engagement. Obligations last for 3 years from the date of disclosure. Confidential Information does not include information publicly available, independently developed, or required by law to be disclosed. Upon termination, confidential materials must be returned or destroyed unless otherwise permitted.

5. Intellectual Property
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DBF Group owns all rights to materials, deliverables, and methodologies provided under this Agreement. You retain ownership of intellectual property you submit to DBF Group. DBF Group grants you a limited license to use deliverables for internal business use only during the term of service.

6. Warranties and Disclaimers
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Except for the express warranties in this Agreement, all services are provided “as is” and “as available.” DBF Group disclaims any warranties of merchantability, fitness for a particular purpose, or non-infringement. You agree not to rely on outcomes unless explicitly guaranteed.

7. Indemnification
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7.1 Client IndemnityYou agree to indemnify DBF Group and its representatives from any claims, losses, or liabilities arising from your breach of this Agreement, your negligence, or use of content or intellectual property that infringes on third-party rights.

7.2 DBF Group Indemnity DBF Groupagrees to indemnify you against third-party claims that Services or Deliverables provided by DBF Group infringe on intellectual property, subject to stated limitations.

8. Limitation of Liability

DBF Group shall not be liable for any indirect, incidental, or consequential damages. Total liability shall not exceed the total amount paid by you in the 12 months preceding the claim, or $500,000—whichever is less. These limitations do not apply to indemnification or breach of confidentiality.

9. Relationship of Parties
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DBF Groupis an independent contractor. Nothing in this Agreement creates a joint venture, partnership, agency, or employment relationship.

10. Term and Termination
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This Agreement is effective upon your engagement and continues until services are complete or terminated. Either party may terminate for material breach with written notice. DBF Group may terminate if payments are overdue beyond the permitted grace period. Upon termination, outstanding balances are due immediately.

11. Amendments, Waivers and Notices
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Amendments must be in writing and signed by both parties. Notices must be delivered in writing by mail, courier, or email. Waivers apply only to the instance and do not constitute a general waiver.

12. Governing Law and Venue

This Agreement shall be governed by the laws of the State of Florida. Any disputes shall be resolved exclusively in the courts located in the Southern District of Florida. Each party waives the right to a jury trial.

14. Entire Agreement

These Terms, along with your specific Service Agreement, Invoice, or Order Form, constitute the entire agreement between you and DBF Group Any prior agreements or representations are superseded.

Appendix A – Definitions
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“Action” – Any legal proceeding, arbitration, investigation, or lawsuit.
‍“Affiliate” – Any entity controlling, controlled by, or under common control with another.
‍“Business Day” – Any day other than Saturday, Sunday, or U.S. federal holidays.
‍“Client Materials” – Any proprietary information, documents, or data you provide.
‍“Confidential Information” – Non-public business, technical, or financial information.
‍“Deliverables” – Any materials created or provided during service delivery.
‍“Funding Campaign” – DBF Group efforts to obtain financing for the client.
‍“Indemnified Party / Indemnifying Party” – Parties protected from or responsible for indemnification.
‍“Intellectual Property” – Patents, copyrights, trademarks, trade secrets, and other proprietary rights.
‍“Losses” – Any damages, liabilities, costs, or expenses including legal fees.
‍“Person” – Any individual, corporation, or entity.
‍“Representatives” – Affiliates, employees, contractors, agents, or advisors of a party.
‍“Services” – All credit optimization and funding-related services provided by DBF Group.
‍“Trademarks” – All brand names, logos, and domain names used to identify DBF Group or the client.

If you have questions or need further clarification, please contact us at info@directbusinessfunding.io

Date Last Revised
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12/05/2025 © DBF Group. All rights reserved.