To use SJM AND SON INC DBA AI MCA Exchange you must meet the following requirements:

• →You must be at least 18 years of age
• →You must be the owner, partner, or authorized representative of a legitimate operating business
• →Your business must be legally registered and operating in the United States
• →You must have the legal authority to enter into financial agreements on behalf of your business
• →You must not be prohibited from using financial services under any applicable law

When you create an account on SJM AND SON INC DBA AI MCA Exchange, you are responsible for maintaining the security of your account and all activity that occurs under it.

• →One account per business — you may maintain one active account per business entity
• →Keep credentials secure — you are responsible for maintaining the confidentiality of your login credentials and must not share them with any third party
• →Notify us immediately of any unauthorized access or suspected breach of your account security
• →Accurate information — you must provide accurate, current, and complete information when creating and maintaining your account
• →Account transfer prohibited — your account may not be transferred, sold, or assigned to any other party

SJM AND SON INC DBA AI MCA Exchange provides the following services through our platform:

• →AI-powered funding intake — a personal AI agent that guides you through the funding application process
• →Document collection — secure collection and storage of financial documents required for funding evaluation
• →Lender matching — analysis of your file and matching to appropriate direct lenders based on your business profile
• →Offer presentation — presentation of funding offers from matched lenders for your review and consideration
• →Account management — access to your funding history, documents, and account information through your personal portal

We reserve the right to modify, suspend, or discontinue any aspect of our platform at any time with reasonable notice.

By using our platform you acknowledge and understand that:

• →SJM AND SON INC DBA AI MCA Exchange does not guarantee that you will receive a funding offer or be approved for funding
• →All funding decisions, terms, rates, and conditions are determined solely by the direct lender making the offer
• →Any funding agreement you enter into is directly between you and the lender — SJM AND SON INC DBA AI MCA Exchange is not a party to that agreement
• →You should carefully review all terms of any funding offer before accepting
• →Merchant Cash Advances are business financial products — not consumer loans — and are not subject to the same regulatory protections as consumer lending

By using SJM AND SON INC DBA AI MCA Exchange you agree to use the platform only for obtaining legitimate business funding, treat all communications professionally, comply with all applicable laws, and not attempt to circumvent any security or access control features. You also agree to honor any funding agreement you enter into with a direct lender, not submit applications with intent to deceive, and disclose all existing active MCA positions accurately and completely.

You represent and warrant that all information you provide — including business information, financial statements, bank statements, revenue figures, and identity documents — is accurate, complete, and not misleading in any material respect. Submitting falsified documents may constitute bank fraud and wire fraud under federal law.

SJM AND SON INC DBA AI MCA Exchange provides an AI-powered funding agent to assist you through the funding process. By interacting with our AI agent you acknowledge and agree that:

• →The AI agent is a tool, not a financial advisor. It guides you through the application process — it does not provide financial, legal, or investment advice
• →AI responses are not guarantees. Any estimates or ranges provided by the AI agent are for informational purposes only and do not constitute offers or commitments
• →Conversations may be reviewed. AI agent interactions may be reviewed by our team to improve service quality and ensure compliance
• →Errors may occur. While we work to ensure accuracy, AI systems can make mistakes. Always verify important information with our human team

Any fees, costs, or charges associated with a specific funding product are set entirely by the direct lender and will be disclosed to you in the offer. SJM AND SON INC DBA AI MCA Exchange does not receive a portion of any funding you receive.

• ✕Submitting false, fraudulent, or materially misleading information or documents
• ✕Creating multiple accounts for the same business or individual
• ✕Using the platform on behalf of a business you do not have authority to represent
• ✕Attempting to access accounts, systems, or data belonging to other users
• ✕Using automated bots, scrapers, or other tools to access the platform without written permission
• ✕Reverse engineering, decompiling, or attempting to extract source code from our platform
• ✕Using the platform for any illegal purpose or in violation of any applicable law
• ✕Harassing, threatening, or abusing our team, AI agent, or other users

All content, features, functionality, design, code, trademarks, logos, and materials on the SJM AND SON INC DBA AI MCA Exchange platform are the exclusive property of SJM AND SON INC DBA AI MCA Exchange and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the platform solely for your personal business funding purposes.

The platform is provided "as is" and "as available" without warranties of any kind, express or implied. SJM AND SON INC DBA AI MCA Exchange makes no warranties regarding the availability, accuracy, or reliability of the platform, whether you will receive a funding offer or be approved for any specific amount, or the terms or suitability of any funding offer from a direct lender. Nothing on this platform constitutes financial, legal, tax, or investment advice.

To the maximum extent permitted by applicable law, SJM AND SON INC DBA AI MCA Exchange and its owners, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform. Our total liability to you for any claim arising from your use of the platform shall not exceed the amount you paid to us in the twelve months preceding the claim.

You agree to defend, indemnify, and hold harmless SJM AND SON INC DBA AI MCA Exchange and its owners, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses arising from your use of the platform in violation of these Terms, your submission of false or fraudulent information, your violation of any applicable law or regulation, or any funding agreement you enter into with a direct lender.

Your right to terminate: You may close your account and terminate your use of SJM AND SON INC DBA AI MCA Exchange at any time by contacting us at hello@mcaexchange.ai. Upon termination, we will handle your data in accordance with our Privacy Policy.

Our right to terminate: We reserve the right to suspend or terminate your account at any time if we determine that you have violated these Terms, submitted fraudulent information, or engaged in any activity that threatens the integrity of our platform.

These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the state in which SJM AND SON INC DBA AI MCA Exchange is registered, without regard to conflict of law provisions.

Informal resolution first: Before initiating any formal legal proceeding, you agree to contact us at hello@mcaexchange.ai and attempt to resolve the dispute informally. We will make a good faith effort to resolve any dispute within 30 days.

Arbitration: If informal resolution fails, any dispute arising from or relating to these Terms or your use of SJM AND SON INC DBA AI MCA Exchange shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will be conducted on an individual basis — class action proceedings are not permitted.

We reserve the right to modify these Terms at any time. When we make material changes, we will notify you by email and post a prominent notice on our platform at least 30 days before the changes take effect. We will never use a Terms update to retroactively impose fees on merchants or reduce the core protections we have committed to in these Terms.

Program Description: SJM AND SON INC DBA AI MCA Exchange operates an SMS messaging program to communicate with merchants who have opted in to receive text messages. By providing your mobile phone number and checking the SMS consent box during registration, you consent to receive text messages from SJM AND SON INC DBA AI MCA Exchange at the number provided.

Types of messages we send include:

• →Application status updates and confirmations
• →Document request notifications
• →Funding offer alerts and deal updates
• →Account security notifications including your verification code
• →Appointment reminders and callback confirmations
• →Contract and closing status updates

Message Frequency: Message frequency varies based on your application activity and account status. You may receive up to several messages per week during active application periods.

How to Opt Out: You may opt out of SMS messages at any time by replying STOP to any message you receive from us. After texting STOP, you will receive one final confirmation message and no further messages will be sent to that number. You may also opt out by contacting us at hello@mcaexchange.ai or calling (732) 402-4299.

How to Get Help: Text HELP at any time to receive assistance, or contact us directly at hello@mcaexchange.ai or (732) 402-4299.

Supported Carriers: Compatible U.S. carriers include AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, MetroPCS, U.S. Cellular, and other major and regional carriers. Carrier support may vary.

Consent Not Required for Purchase: Consent to receive SMS messages is not a condition of obtaining funding or using any services offered by SJM AND SON INC DBA AI MCA Exchange.

For full details on how we handle your mobile number and messaging data, please review our Privacy Policy.