TERMS OF SERVICE

These Terms of Service ("Terms") govern your use of the website thomas-j-stone.com and the services provided by Thomas J Stone LLC ("we," "us," or "our"). By accessing our website or using our services, you agree to these Terms.

Use of Website

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

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website
• Transmit any harmful, offensive, or disruptive content
• Use automated systems to access the website without permission

Services

Thomas J Stone LLC provides direct business lending services. All funding arrangements are subject to separate written agreements between Thomas J Stone LLC and the borrower. Information on this website is for general informational purposes and does not constitute a binding offer of financing.

Application Process

By submitting a funding application, you represent that:

• All information provided is accurate and complete
• You are authorized to apply on behalf of the business
• You consent to our review of the information provided
• Submission of an application does not guarantee approval

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Thomas J Stone LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written consent.

Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, Thomas J Stone LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the website or our services.

Indemnification

You agree to indemnify and hold harmless Thomas J Stone LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the website or violation of these Terms.

Governing Law

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

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page. Your continued use of the website constitutes acceptance of the updated Terms.

SMS/Text Messaging Terms

By opting in to SMS communications from Thomas J Stone LLC, you agree to receive text messages at the mobile number provided, including messages sent via automatic telephone dialing system (ATDS). You understand that consent is not a condition of any purchase.

You may receive messages for: customer care, account notifications, and promotional/marketing purposes. Message frequency varies. Message and data rates may apply.

To opt out, reply STOP at any time. For help, reply HELP or email joe@thomas-j-stone.com.

Contact

For questions about these Terms, contact us at:

Thomas J Stone LLC
Email: joe@thomas-j-stone.com
Yonkers, NY