{"id":648,"date":"2024-01-15T10:20:16","date_gmt":"2024-01-15T10:20:16","guid":{"rendered":"https:\/\/exnoir.site\/?page_id=648"},"modified":"2025-04-11T02:59:33","modified_gmt":"2025-04-11T02:59:33","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/exnoir.site\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"648\" class=\"elementor elementor-648\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7eed57a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7eed57a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66a01c0\" data-id=\"66a01c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e9b3d0 elementor-widget elementor-widget-heading\" data-id=\"3e9b3d0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms and Conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f3b47c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3b47c3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-156cee6\" data-id=\"156cee6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06ef75c elementor-widget elementor-widget-text-editor\" data-id=\"06ef75c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span data-contrast=\"auto\">WHY EX NOIR® Financials Inc. (hereinafter \u201cCompany,\u201d \u201cWe,\u201d \u201cUs,\u201d \u201cOur,\u201d) is dedicated to protecting your privacy and providing the highest level of service. This Policy explains EX NOIR® Financials Inc does to keep information about you private and secure. This Policy covers information that you provide to the Company. Please read this Policy carefully and contact us if you have any questions.<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><\/h6>\n<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span data-ccp-props=\"{\"><br><\/span><span data-contrast=\"auto\">Regardless of any previous decision to opt-in or opt-out of receiving telemarketing calls or SMS messages, you are giving us express consent to contact you for any and all purposes related to your loan and\/or account. This may include calls or messages from our agents, representatives, or employees to any telephone number or physical or electronic address that you have provided. You agree we may contact you in forms including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using an auto telephone dialing system or an automatic texting system. If one of our agents or representatives calls you, they may leave a message on your answering machine, voicemail, or send you a text message. By providing us with your phone number, you give us permission to contact you via SMS, calls, and messages, including prerecorded and artificial voice and auto-dialed messages. We may also contact you through numbers we can associate with your account. These messages will contain information or questions related to your application, loan, and\/or account. You certify that the phone numbers you have provided to us are your valid contact numbers and that you are authorized to receive calls on each of them. If you stop using a particular phone number, kindly notify us promptly. Your cellular or mobile phone provider will charge you based on the type of plan you have. We may contact you via email using any email address you have provided us with or may provide us in the future. Please be informed that we may listen to and\/or record phone calls between you and our representatives without prior notice as permitted by the applicable law. We do so for quality monitoring purposes.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/h6>\n<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span data-ccp-props=\"{}\"><br><\/span><span style=\"color: #000000;\"><strong>Credit Authorization Information:&nbsp;<br><\/strong><\/span><span data-contrast=\"auto\">By signing below, each of the above listed business and business owner\/officer (individually and collectively, \u201cyou\u201d) authorize EX NOIR® Financials Inc (\u201cEX NOIR® Financials\u201d) and each of its representatives, successors, assigns and designees (\u201cRecipients\u201d) that may be involved with or acquire commercial loans having daily repayment features or purchases of future receivables including Merchant Cash Advance transactions, including without limitation the application therefore (collectively, \u201cTransactions\u201d) to obtain consumer or personal, business and investigative reports and other information about you, including credit card processor statements and bank statements, from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors and other third parties. You also authorize EX NOIR® Financials to transmit this application form, along with any of the foregoing information obtained in connection with this application, to any or all the Recipients for the foregoing purposes. You also consent to the release, by any creditor or financial institution, of any information relating to any of you, to EX NOIR® Financials and to each of the Recipients, on its own behalf.<\/span><span data-ccp-props=\"{}\">&nbsp;<br><\/span><span data-ccp-props=\"{}\">&nbsp;<br><\/span><strong><span style=\"color: #000000;\">Personal Information We Collect&nbsp;<br><\/span><\/strong><span data-contrast=\"auto\">The information we collect about you comes from the following:<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><\/h6>\n<p><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Information we receive from your application submission, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications.<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><\/li>\n<\/ul>\n<p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements, bank statements or other reports relating to your debt.<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.<\/span><\/li><\/ul><span data-contrast=\"auto\">&nbsp;<\/span><span data-contrast=\"auto\">By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><\/p>\n\n<p>We will not sell or transfer your personal information to third parties without your consent. We may disclose such information in order to effectively carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider.<span style=\"font-size: 16px;\" data-ccp-props=\"{\">&nbsp;<br><\/span><\/p>\n<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span style=\"font-weight: 600;\"><span style=\"color: #000000;\">SMS:<br><\/span><\/span><span data-contrast=\"auto\">Message frequency varies per user.<br><\/span><span data-contrast=\"auto\">Message and data rates may apply.<br><\/span><span data-contrast=\"auto\">Text HELP for help. Text STOP to unsubscribe.<br><\/span><span data-contrast=\"auto\">Carriers are not liable for delayed or undelivered messages.<\/span><\/h6>\n<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span data-contrast=\"auto\"><br><\/span><strong style=\"font-style: inherit;\"><span style=\"color: #000000;\">Opt-out:<br><\/span><\/strong><span data-contrast=\"auto\">We provide you the opportunity to \u2018opt-out\u2019 of having your personally identifiable information used for certain purposes. By providing information to the Company you are consenting to the collection, use and disclosure of such personal information in the manner described in this privacy policy. We provide you the opportunity to withdraw your consent when such information is collected.<\/span><span data-ccp-props=\"{\">&nbsp;<br><\/span><span data-contrast=\"auto\">&nbsp;<\/span><span data-contrast=\"auto\">Such consent may be withdrawn by calling the telephone number provided below or may be done in writing\/email and sent to our customer service department at the following physical address or email address:<\/span><span data-ccp-props=\"{\">&nbsp;<br><\/span><span data-contrast=\"auto\">WHY EX NOIR® Financials Inc. <\/span><span data-contrast=\"auto\">Alpha Tower, Suffolk Street Queensway, Birmingham B1 1TT, UK. E-mail: <\/span><a href=\"mailto:Info@exnoir.site\"><span data-contrast=\"none\">Info@exnoir.site<\/span><\/a><span data-ccp-props=\"{\">&nbsp;<\/span><\/h6>\n<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span data-ccp-props=\"{\"><br><\/span><span style=\"color: #000000;\"><b>Data Protection, How We Protect You:<br><\/b><\/span><span data-contrast=\"auto\">Our professionals serve to protect customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure.<\/span><span data-ccp-props=\"{\">&nbsp;<br><\/span><span data-contrast=\"auto\">This Policy applies to current and former customers. If you have any questions, please contact EX NOIR® Financials Inc at 1 Harmon Meadow Blvd, Secaucus NJ 07094, &nbsp;E-mail:&nbsp;info@exnoir.site<\/span><span data-ccp-props=\"{\">&nbsp;<\/span><\/h6>\n<h6 style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><span style=\"font-weight: normal;\">By using our services, you acknowledge and agree that EX NOIR® Financials Inc. does not represent or act on behalf of any lending institution or bank, nor are we responsible for any terms, agreements, or obligations made between you and any third-party financial provider. EX NOIR® Financials Inc. assumes no liability for any loss or damage resulting from any business financing transaction you may enter into.<\/span><br><span style=\"font-weight: normal;\">Any information, guidance, or materials provided by EX NOIR® Financials Inc. are strictly for informational purposes and should not be construed as financial, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.<\/span><p><\/p>\n<\/h6>\n<h6><strong data-start=\"853\" data-end=\"902\">Important Disclaimers:&nbsp;<\/strong><\/h6>\n<h6><span style=\"font-weight: normal;\">WHY EX NOIR® Financials Inc. is <span data-start=\"928\" data-end=\"944\">not a lender<\/span>, loan provider, or credit decision-maker. We are a <span data-start=\"996\" data-end=\"1040\">business consulting and referral service<\/span> that connects business owners with potential funding options provided by third-party lenders, merchant cash advance companies, and financial institutions. We do <span data-start=\"1202\" data-end=\"1230\">not offer loans directly<\/span>, extend credit, or make underwriting decisions. Any financing or funding decisions made are solely at the discretion of the third-party providers, and we do not guarantee approval, funding amounts, terms, or rates.<br><\/span><\/h6>\n<h6>&nbsp;<\/h6>\n<h6><strong data-start=\"275\" data-end=\"297\">Dispute Resolution<br><\/strong><\/h6>\n<h6><strong data-start=\"275\" data-end=\"297\"><span style=\"font-weight: normal;\">Any dispute, claim, or controversy arising out of or relating to this Agreement, the services provided, or any federal or state statutory or common law claims, shall be resolved through&nbsp;<span data-start=\"485\" data-end=\"508\">binding arbitration<\/span>&nbsp;conducted in&nbsp;<span data-start=\"522\" data-end=\"536\">New Jersey<\/span>, before a single arbitrator, in accordance with the rules of the American Arbitration Association (AAA). This includes, but is not limited to, disputes regarding the interpretation, enforceability, or applicability of this arbitration agreement.<\/span><br style=\"font-weight: 400;\"><span style=\"font-weight: normal;\">The arbitration shall be confidential, and judgment on the arbitration award may be entered in any court having jurisdiction. You agree that arbitration shall be your sole and exclusive remedy for any such claims, to the fullest extent permitted by law.<\/span><\/strong><\/h6>\n<h6><strong data-start=\"275\" data-end=\"297\">&nbsp;<\/strong><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>WHY EX NOIR® Financials Inc. (hereinafter \u201cCompany,\u201d \u201cWe,\u201d \u201cUs,\u201d \u201cOur,\u201d) is dedicated to protecting your privacy and providing the highest level of service. This Policy explains EX NOIR® Financials Inc does to keep information about you private and secure. This Policy covers information that you provide to the Company. Please read this Policy carefully and contact us if [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-648","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Terms and Conditions - EX NOIR® Financials Inc<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/exnoir.site\/terms-and-conditions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms and Conditions - EX NOIR® Financials Inc\" \/>\n<meta property=\"og:description\" content=\"EX NOIR® Financials Inc. 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