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Terms and Conditions

Effective Date: September 1, 2025
Last Updated: September 13, 2025

Welcome to InclusiFi (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website located at https://inclusifi.org (the “Site”) and any services, resources, or products we provide through it (collectively, the “Services”).

By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. Eligibility

You must be at least 18 years old or the age of majority in your jurisdiction to use our Site or apply for financial services. By using the Site, you represent and warrant that you meet this requirement.

2. Use of the Site

You agree to use the Site only for lawful purposes. Specifically, you agree not to:

  • Misrepresent your identity or submit false information.
  • Attempt to gain unauthorized access to our systems.
  • Interfere with the Site’s operation or the experience of other users.
  • Use the Site in violation of applicable federal, state, or local laws.

3. Financial Services Disclaimer
  • InclusiFi provides community development financial services, including but not limited to lending, technical assistance, and financial education.
  • Loan products are subject to eligibility, underwriting, and approval. Submitting an application does not guarantee funding.
  • Terms, rates, and conditions of loans or other financial products may vary and are subject to change at any time.
  • Nothing on this Site constitutes financial, investment, or legal advice. Please consult qualified professionals for guidance tailored to your situation.

4. Educational Resources and Events
  • We may provide training, workshops, webinars, or resource guides for small businesses and community members.
  • These materials are for informational purposes only and do not create a client, advisory, or fiduciary relationship.
  • We do not guarantee outcomes based on the use of our educational resources.

5. Accounts and Applications

If you create an account or submit an application through our Site:

  • You must provide accurate, complete, and updated information.
  • You are responsible for maintaining the confidentiality of your login credentials.
  • Any false or misleading information may result in the denial of services or termination of your account.

6. Intellectual Property

All content on the Site, including text, images, graphics, logos, reports, and software, is owned by or licensed to InclusiFi and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or modify content without prior written consent.

7. User Content

If you submit or post content (e.g., feedback, testimonials, uploads):

  • You grant us a non exclusive, royalty-free, worldwide license to use and share that content in connection with our mission and Services.
  • You represent that you own or have rights to the content.
  • You may not submit content that is illegal, infringing, harmful, or offensive.

8. Privacy

Your use of our Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content, security, or practices of such websites. Use them at your own risk.

10. Disclaimers
  • The Site and Services are provided on an “as-is” and “as-available” basis.
  • We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of information on the Site.
  • Use of our Services does not guarantee financial outcomes, loan approvals, or business success.

11. Limitation of Liability

To the fullest extent permitted by law, InclusiFi and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or Services.

12. Indemnification

You agree to indemnify and hold harmless InclusiFi from and against any claims, damages, liabilities, and expenses (including legal fees) arising out of your use of the Site, Services, or violation of these Terms.

13. Regulatory Compliance

As a certified Community Development Financial Institution, we comply with applicable federal and state regulations. Use of our Services does not exempt you from compliance with your own regulatory or tax obligations.

14. Termination

We may suspend or terminate your access to the Site or Services at any time if we believe you have violated these Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state of Florida, without regard to its conflict of law principles.

16. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Updates will be effective upon posting, and continued use of the Site constitutes acceptance of the revised Terms.

17. Contact Us

If you have questions about these Terms, please contact us at:

InclusiFi
380 Columbia Drive, Suite 100, West Palm Beach, FL 33409
info@inclusifi.org
(561) 845-8055