Terms & Conditions - 1 Touch Processing

Welcome to 1 Touch Processing, LLC. By accessing or using our website and services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before proceeding.

1. Acceptance of Terms

By accessing our website at 1touchprocessing.com or using any of our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree to these Terms, you must not use our website or services.

2. Services Overview

1 Touch Processing, LLC is a direct business lender offering various financing solutions including:

Working capital loans
Equipment financing
Revenue-based financing
Business expansion loans

All financing products are subject to credit approval and eligibility requirements. We reserve the right to modify, suspend, or discontinue any service at any time without prior notice.

3. Eligibility and Application

To apply for our services, you must:

Be at least 18 years of age
Have legal authority to bind your business to a financial agreement
Operate a legitimate business entity
Provide accurate and complete information in your application

Submission of an application does not guarantee approval or funding. We reserve the right to request additional documentation and information to verify your identity and assess creditworthiness.

4. Loan Terms and Conditions

Specific terms for approved financing, including interest rates, repayment schedules, fees, and other conditions, will be outlined in a separate loan agreement. By accepting funding, you agree to:

Repay the loan according to the agreed-upon schedule
Maintain accurate financial records
Notify us of any material changes to your business
Use funds only for legitimate business purposes

5. Fees and Charges

All applicable fees, charges, and interest rates will be clearly disclosed before you accept any financing offer. You are responsible for:

Timely repayment of principal and interest
Any late fees or penalties for missed payments
Third-party fees (such as wire transfer charges, if applicable)

We do not charge application fees unless explicitly stated in writing.

6. Representations and Warranties

By applying for or accepting financing, you represent and warrant that:

All information provided is accurate, complete, and truthful
You have the legal authority to enter into a binding agreement
Your business is in good standing and not subject to bankruptcy proceedings
You are not in default on any other financial obligations
You will use the funds solely for lawful business purposes

SMS Terms & Conditions

If you opt in to receive SMS/MMS text messages from 1 Touch Processing, LLC, the following terms apply:

By consenting to SMS communications, you authorize us to send recurring marketing and promotional messages to the mobile number you provide
Messages may be sent using an automated telephone dialing system (ATDS)
Message frequency varies; you may receive up to 4 messages per month depending on your interaction with our services
Message and data rates may apply. Check with your mobile carrier for details on your plan
We are not responsible for delays or failures in message delivery caused by your carrier or network issues
To opt out of SMS communications at any time, reply STOP to any message. You will receive a confirmation of your opt-out
For assistance with SMS services, reply HELP or contact us at heather@1touchprocessing.com
Consent to receive SMS messages is NOT a condition of purchase or eligibility for our financing services
You may continue to receive transactional or account-related messages even after opting out of marketing messages

Supported Carriers: AT&T, T-Mobile, Verizon, Sprint, and most major U.S. carriers. Coverage and availability may vary.

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of 1 Touch Processing, LLC and is protected by copyright, trademark, and other intellectual property laws. You may not:

Reproduce, distribute, or create derivative works from our content without written permission
Use our trademarks or branding in any manner that suggests affiliation or endorsement
Scrape, mine, or harvest data from our website using automated tools

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy.

9. Limitation of Liability

To the fullest extent permitted by law, 1 Touch Processing, LLC and its officers, directors, employees, and agents shall not be liable for:

Any indirect, incidental, special, or consequential damages arising from your use of our services
Loss of profits, revenue, or business opportunities
Errors or inaccuracies in website content
Unauthorized access to or alteration of your transmissions or data

Our total liability for any claim arising from your use of our services shall not exceed the amount of fees you have paid to us in the preceding 12 months.

10. Indemnification

You agree to indemnify, defend, and hold harmless 1 Touch Processing, LLC and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including attorney fees) arising from:

Your breach of these Terms
Your violation of any law or regulation
Your infringement of any third-party rights
Your misuse of our services

11. Termination

We reserve the right to suspend or terminate your access to our website and services at any time, with or without notice, for:

Violation of these Terms
Fraudulent or illegal activity
Non-payment or default on loan obligations
Any reason we deem necessary to protect our business or other users

Termination does not relieve you of any outstanding financial obligations.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through:

Informal Resolution: We encourage you to contact us first to resolve any concerns
Binding Arbitration: If informal resolution fails, disputes will be settled through binding arbitration in Maricopa County, Arizona, in accordance with the rules of the American Arbitration Association
Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in a class action lawsuit

13. Changes to Terms

We may update these Terms from time to time to reflect changes in our practices, services, or legal requirements. Updated Terms will be posted on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them valid and enforceable.

15. Entire Agreement

These Terms, together with our Privacy Policy and any applicable loan agreements, constitute the entire agreement between you and 1 Touch Processing, LLC regarding the use of our website and services, superseding any prior agreements or understandings.

16. Contact Information

If you have any questions or concerns about these Terms, please contact us:

1 Touch Processing, LLC
7137 E Rancho Vista Dr Ste B05
Scottsdale, AZ 85251
Email: heather@1touchprocessing.com

17. Acknowledgment

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.