Terms of Use

Last updated: [Placeholder: effective date]

By accessing or using sapphireholdings.org (the “Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.

Nature of our services

Sapphire Holdings provides financing advisory, SBA loan brokerage, and loan package preparation services. We are not a bank, lender, or government agency, and we are not affiliated with or endorsed by the U.S. Small Business Administration. We do not make credit decisions and do not approve, fund, or guarantee any loan. See our Financing Disclosures.

No offer or commitment

Content on the Site is for general informational purposes only and is not an offer to lend, a commitment to arrange financing, or legal, tax, accounting, or investment advice. Submitting an inquiry does not create an advisory or client relationship; any engagement will be documented in a separate written agreement.

Business Solutions

Insurance, Merchant Services, Pay, and Business Technology solutions are provided by independent third-party providers under their own terms. Services described as “Coming Soon” are not currently offered. Descriptions of services are not offers and may change.

Accuracy of information

We strive to keep information accurate, but program rules and lending criteria change frequently. We make no warranty that Site content is complete or current. You agree to provide accurate information in anything you submit.

Acceptable use

You agree not to misuse the Site, including by submitting false information, attempting to gain unauthorized access, interfering with its operation, or using automated means to submit forms.

Intellectual property

The Site, including the Sapphire Holdings name and logo, is owned by Sapphire Holdings [PLACEHOLDER: confirm legal entity name, e.g. LLC] and protected by applicable law. You may not use our marks without permission.

Third-party links

Links to third-party sites, including SBA.gov, are provided for convenience. We are not responsible for their content.

Disclaimer and limitation of liability

The Site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Sapphire Holdings is not liable for any indirect, incidental, or consequential damages arising from your use of the Site.

Governing law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles. [Placeholder: confirm venue and dispute-resolution terms with counsel.]

Changes

We may revise these Terms by posting an updated version on the Site.