Last Updated: [08/22/2025]
1. Acceptance of Terms
Welcome to KoboMerchants.com (“Website,” “Site,” “Service,” “we,” “us,” or “our”). These Terms of Service (“Terms,” “Agreement”) govern your access to and use of our Website and our service, which connects businesses with potential third-party lenders.
By accessing, browsing, or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Website.
2. Service Description
KoboMerchants.com is a marketing lead generation service and independent affiliate. We provide an online platform that connects small business owners seeking financing with third-party lenders, financial institutions, and service providers (collectively, “Lending Partners”).
WE ARE NOT A LENDER, BROKER, LOAN ORIGINATOR, FINANCIAL INSTITUTION, OR CREDIT ADVISOR. WE DO NOT MAKE CREDIT DECISIONS, ENDORSE ANY SPECIFIC LENDING PARTNER, OR PROVIDE LOANS. WE DO NOT CHARGE YOU ANY FEE FOR OUR SERVICE.
We are compensated by our Lending Partners for generating leads and facilitating connections. This compensation may be a flat fee or a percentage of the loan amount and does not influence the loan terms presented to you.
3. User Eligibility
You must be at least 18 years old, a resident of the United States, and authorized to represent the business for which you are seeking financing. By using this Service, you represent and warrant that you meet these eligibility requirements.
4. User Consent and Authorization
By submitting your personal and business information through our Website (a “Lead Form”), you expressly request and authorize us to:
- Share your information with our network of Lending Partners.
- Be contacted by our Lending Partners and their agents via telephone, auto-dialer, pre-recorded calls, SMS/text messages, and email at the contact information you have provided, even if your phone number is on a corporate, state, or national Do Not Call list.
- Receive marketing communications from us and our partners related to business loan products.
5. Intellectual Property
All content on this Website, including text, graphics, logos, and software, is our property or the property of our licensors and is protected by intellectual property laws. You are granted a limited, non-exclusive license to access and use the Site for personal, non-commercial purposes.
6. Disclaimer of Warranties; Limitation of Liability
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED.
WE DO NOT GUARANTEE THAT YOU WILL BE APPROVED FOR A LOAN, QUALIFY FOR ANY SPECIFIC LOAN TERMS, OR THAT YOUR INQUIRY WILL BE CONNECTED TO A MINIMUM NUMBER OF LENDING PARTNERS. LOAN APPROVAL, RATES, AND TERMS ARE BASED SOLELY ON THE LENDING PARTNERS’ POLICIES AND YOUR CREDITWORTHINESS. WE ARE NOT RESPONSIBLE FOR ANY CREDIT DECISIONS MADE BY LENDING PARTNERS.
TO THE FULLEST EXTENT PERMITTED BY LAW, KOBO MERCHANTS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF OR INABILITY TO USE THE SERVICE OR YOUR INTERACTION WITH LENDING PARTNERS.
7. Indemnification
You agree to indemnify and hold harmless Kobo Merchants and its affiliates from any claims, losses, liabilities, and expenses (including attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
8. Third-Party Sites
Our Website may contain links to third-party websites. We are not responsible for the content, accuracy, or opinions expressed on such websites. Inclusion of any linked website does not imply our approval or endorsement.
9. Governing Law; Dispute Resolution
This Agreement shall be governed by the laws of the State of New York, without regard to its conflict of law principles. Any dispute arising from these Terms shall be resolved through binding arbitration on an individual basis, waiving the right to participate in a class action lawsuit or class-wide arbitration.
10. Changes to Terms
We reserve the right to modify these Terms at any time. We will post the updated Terms on this page with a revised “Last Updated” 08/22/2025. Your continued use of the Site after any change constitutes your acceptance of the new Terms.
11. Contact Us
If you have any questions about these Terms of Service, please contact us at:
Email: support@kobomerchants.com
Address: 147 Prince St, Brooklyn, NY 11201, United States