Terms of Service

Welcome to BankShare. These Terms of Service govern your access to and use of the BankShare website, applications, and business funding services. By accessing or using our services, you agree to be bound by these terms. If you do not agree, please do not use our platform.

1. Acceptance of Terms

By creating an account, submitting a loan application, or otherwise using BankShare's services, you confirm that you have read, understood, and agree to these Terms of Service, our Privacy Policy, and any additional terms that may apply to specific products or services.

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the platform after changes constitutes acceptance of the revised terms.

2. Eligibility

To use BankShare's services, you must:

• Be at least 18 years of age and legally capable of entering into binding contracts
• Be a U.S. citizen or a legal business entity operating within the United States
• Have the authority to act on behalf of the business you represent
• Not be barred from receiving services under applicable law or sanctions
• Provide accurate, current, and complete information during registration and application

BankShare reserves the right to refuse service, terminate accounts, or cancel applications at its sole discretion, including but not limited to instances of fraud, misrepresentation, or violation of these terms.

3. Description of Services

BankShare operates as a business funding platform that connects small and medium-sized enterprises with capital providers, including banks, credit unions, and alternative lenders. Our services include:

• Loan Matching: Evaluating your business profile and connecting you with suitable funding options
• Application Processing: Collecting, organizing, and transmitting your application data to prospective lenders
• Advisory Support: Providing guidance on loan products, documentation, and qualification requirements
• Account Servicing: Managing communications, repayment reminders, and ongoing account support for funded loans

BankShare is not a lender. We do not originate loans or extend credit directly. All funding is provided by third-party financial institutions within our network. Loan approval, terms, rates, and conditions are determined solely by the originating lender.

4. Application Process & User Representations

When you submit a loan application through BankShare, you represent and warrant that:

• All information provided is true, accurate, and complete to the best of your knowledge
• You have the legal authority to submit the application and bind the business entity
• You are not subject to any pending bankruptcy, insolvency, or debt restructuring proceedings
• The business is in good standing with all relevant state and federal authorities
• You consent to credit checks, background inquiries, and verification of the information provided

Knowingly providing false or misleading information constitutes fraud and may result in denial of funding, termination of your account, and referral to appropriate legal authorities.

5. Fees & Costs

BankShare does not charge borrowers an application fee, origination fee, or upfront cost for using our matching platform. Our compensation comes from our network of lending partners.

However, individual lenders may charge their own fees — such as origination fees, underwriting fees, closing costs, or prepayment penalties — which will be disclosed to you in the loan offer before you accept. You are responsible for reviewing and understanding all lender-specific terms and fees.

Standard carrier rates may apply to SMS communications you opt in to receive.

6. User Accounts & Security

You are responsible for maintaining the confidentiality of your account credentials, including your password and any two-factor authentication methods. You agree to notify BankShare immediately of any unauthorized use or security breach.

You may not share your account credentials with third parties, use another person's account without permission, or create multiple accounts for deceptive purposes. BankShare may suspend or terminate accounts suspected of violating these rules.

7. Intellectual Property

All content on the BankShare platform — including text, graphics, logos, icons, images, software, and code — is the property of BankShare or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the platform for its intended purpose. You may not copy, modify, distribute, sell, lease, reverse-engineer, or create derivative works from any part of the platform without express written permission.

8. Disclaimers & Limitations of Liability

BankShare provides its platform and services on an "as is" and "as available" basis. We do not guarantee that your loan application will be approved, that you will receive funding, or that the platform will be uninterrupted or error-free.

To the maximum extent permitted by law, BankShare shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the platform, even if advised of the possibility of such damages.

Our total liability to you for any claims arising under these terms shall not exceed the greater of (a) the amount you have paid to BankShare for services in the 12 months preceding the claim, or (b) one hundred U.S. dollars ($100).

9. Indemnification

You agree to indemnify, defend, and hold harmless BankShare, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the platform, your violation of these terms, or your infringement of any third-party rights.

10. Governing Law & Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Any dispute arising under these terms shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) in New York, NY. Each party waives the right to a jury trial or to participate in a class action.

11. Changes to These Terms

We may revise these Terms of Service from time to time to reflect changes in our business, legal requirements, or industry practices. Material changes will be communicated via email or a prominent notice on the website. The "Last updated" date at the top of this page reflects the most recent revision.

12. Contact Us

If you have any questions about these Terms of Service, your account, or our services, please contact us: