1. Acceptance of these terms
By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the website. If you use the website for a company or other organization, you represent that you have authority to act for it.
2. Website purpose
Berkvale provides information about merchant services and commercial business-capital solutions. Website content is provided for general informational and inquiry purposes. It is not a commitment to provide payment processing, financing, or any other product.
3. Eligibility and business use
You must be at least 18 years old and legally able to enter into contracts. Business-capital products discussed on this website are intended for bona fide commercial or business purposes, not personal, family, or household use.
4. Independent providers
Products may be offered, underwritten, funded, processed, or serviced by independent payment processors, acquiring banks, financial institutions, funding providers, equipment providers, or other partners. Those parties may require separate applications and agreements. Their terms control the products they provide.
5. Applications, quotes, and approvals
Submitting an inquiry is not an application approval, financing offer, payment-processing approval, or guarantee of rates or terms. Availability, pricing, limits, settlement timing, reserves, collateral, personal guarantees, repayment terms, and other conditions depend on provider requirements, underwriting, business qualifications, documentation, and applicable law.
6. Accuracy of information
You agree that information you provide will be accurate, current, and complete. Do not submit confidential financial records, account credentials, payment-card data, Social Security numbers, or government-identification numbers through the general contact form. If additional information is required, Berkvale or an authorized provider will give you an appropriate method to provide it.
7. No professional advice
Nothing on the website is legal, tax, accounting, investment, or financial advice. You should consult qualified advisers and carefully review the final written agreement for any product before accepting it.
8. Acceptable use
You may not misuse the website; attempt unauthorized access; interfere with its operation; introduce malicious code; scrape or harvest information; impersonate another person; submit fraudulent or unlawful information; or use the website in violation of law or third-party rights.
9. Intellectual property
The Berkvale name, logo, website design, text, graphics, and other original materials are owned by or licensed to Berkvale and are protected by applicable intellectual-property laws. You may view and print reasonable portions for your own internal business evaluation, but you may not reproduce, modify, distribute, or commercially exploit them without written permission.
10. Communications
When you provide contact information and request information, you authorize Berkvale and, when necessary to address your request, relevant service providers to contact you by email or telephone about that request. Any marketing communications will be sent only as permitted by law. You may ask us to stop marketing communications at any time. Consent to marketing is not a condition of purchasing a product or service.
11. Third-party websites
The website may link to third-party services. Berkvale does not control and is not responsible for their content, availability, security, or privacy practices. A link does not by itself imply endorsement.
12. Disclaimers
To the fullest extent permitted by law, the website and its content are provided “as is” and “as available.” Berkvale does not warrant that the website will always be uninterrupted, error-free, or free of harmful components, or that every description, estimate, or illustration will be complete or current.
13. Limitation of liability
To the fullest extent permitted by law, Berkvale will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of, or inability to use, this website or from an independent provider’s acts or services. Nothing in these terms excludes liability that cannot lawfully be excluded.
14. Changes and availability
We may update the website or these terms and may suspend or discontinue any website feature. Updated terms become effective when posted with a revised effective date. Your continued use after an update constitutes acceptance of the updated terms.
15. Governing law
These terms are governed by California law, without regard to conflict-of-law rules. Subject to any mandatory law, disputes relating to the website will be brought in the state or federal courts located in Los Angeles County, California.
16. General provisions
If any provision is found unenforceable, the remaining provisions remain effective. A failure to enforce a provision is not a waiver. These terms, together with the Privacy Policy and Disclosures, are the entire website-use agreement between you and Berkvale.
17. Contact
Questions about these terms may be sent to info@berkvale.com or +1 820-333-3033.