Terms & Conditions

Welcome to W&W Holdings Inc. These Terms and Conditions ("Terms") govern your use of our website (thewwholdings.com) and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Acceptance of Terms

By accessing this website or submitting a loan application, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.

2. Services Overview

W&W Holdings Inc provides business financing solutions, including but not limited to:

• Working capital loans
• Revenue-based financing
• Equipment financing
• Custom business funding solutions

All financing is subject to credit approval and verification of information provided. We reserve the right to decline any application at our sole discretion.

3. Eligibility

To apply for our services, you must:

• Be at least 18 years of age
• Be authorized to represent and bind your business
• Provide accurate and complete information
• Operate a legitimate business in the United States
• Have the legal authority to enter into binding agreements

4. Application Process

4.1 Information Accuracy

You agree to provide accurate, current, and complete information during the application process. Any false or misleading information may result in immediate denial of your application and potential legal action.

4.2 Authorization to Verify

By submitting an application, you authorize us to:

• Verify the information you provide
• Obtain credit reports and scores from credit bureaus
• Contact your bank, suppliers, and other references
• Perform background checks as necessary
• Share information with funding partners involved in your loan

4.3 No Guarantee of Approval

Submitting an application does not guarantee approval or funding. All applications are subject to underwriting review and credit approval.

5. Loan Terms and Conditions

5.1 Binding Agreement

If your application is approved, you will receive a loan agreement outlining specific terms, including loan amount, fees, repayment schedule, and other conditions. Signing this agreement creates a legally binding contract.

5.2 Fees and Charges

All fees, interest rates, and charges will be clearly disclosed in your loan agreement before you sign. There are no hidden fees.

5.3 Repayment Obligations

You agree to repay the loan according to the terms outlined in your loan agreement. Failure to make timely payments may result in:

• Late payment fees
• Negative impact on your credit score
• Collection actions
• Legal proceedings

5.4 Default

You will be in default if you fail to make required payments or violate any material term of your loan agreement. Upon default, we may accelerate the entire outstanding balance and pursue all available legal remedies.

6. SMS Terms & Conditions

6.1 Consent to Receive Messages

By checking the SMS consent box on our contact form and providing your mobile phone number, you expressly consent to receive recurring marketing and promotional text messages (SMS/MMS) from W&W Holdings Inc about our financial products, services, offers, and updates. Messages may be sent using an automated telephone dialing system (ATDS).

6.2 Message Frequency and Rates

• Frequency: Message frequency varies based on your activity and our promotional schedule. You may receive up to 4 messages per month.
• Costs: Message and data rates may apply based on your mobile carrier's plan. Check with your carrier for details.
• Carriers: Our SMS program is supported by major U.S. carriers. Carrier delays or failures may affect message delivery.

6.3 Opt-Out and Help

• To unsubscribe: Reply STOP to any message you receive from us. You will receive one final confirmation message, and then you will no longer receive messages from us.
• For help: Reply HELP to any message, or contact us at rachelle@thewwholdings.com.
• Re-subscribing: You may opt back in at any time by contacting us directly or re-checking the SMS consent box on our website.

6.4 Consent Not Required for Purchase

Consent to receive SMS messages is NOT a condition of purchase or obtaining financing from W&W Holdings Inc. You can apply for and receive funding without opting in to text messages.

6.5 Privacy and Data Use

Your mobile phone number and SMS opt-in information will be used solely for the purpose of sending you text messages as described. We will not sell or share your mobile information with third parties for their marketing purposes. For full details, see our Privacy Policy.

7. Website Use

7.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful code, viruses, or malware
• Attempt to gain unauthorized access to our systems
• Harvest or collect information about other users
• Interfere with the proper functioning of the website

7.2 Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of W&W Holdings Inc or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party sites is at your own risk and subject to their terms and conditions.

9. Disclaimers

9.1 No Financial Advice

Information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making financial decisions.

9.2 Website Availability

We strive to maintain website availability, but we do not guarantee uninterrupted or error-free access. We may suspend or discontinue the website at any time without notice.

9.3 "As Is" Basis

The website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Limitation of Liability

To the fullest extent permitted by law, W&W Holdings Inc and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you exceed the amount of fees you paid to us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless W&W Holdings Inc and its affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your violation of these Terms
• Your violation of any law or third-party rights
• Your use of our website or services
• Any information you provide to us

12. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes acceptance of the modified Terms.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles.

14.2 Jurisdiction

Any disputes arising out of or relating to these Terms or our services shall be resolved in the state or federal courts located in Norfolk County, Massachusetts. You consent to the exclusive jurisdiction and venue of these courts.

14.3 Arbitration

At our option, we may require disputes to be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Canton, Massachusetts.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the original intent.

16. Entire Agreement

These Terms, together with our Privacy Policy and any loan agreement you enter into with us, constitute the entire agreement between you and W&W Holdings Inc regarding your use of our website and services.

17. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of W&W Holdings Inc.

18. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations to any party at any time without notice to you.

19. Contact Information

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

20. Acknowledgment

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