Thank you for selecting the Services offered by Intuit Financing Inc. (referred to as "Intuit", "we", "our", or "us"). Review these Terms of Service ("Agreement") thoroughly. This Agreement is a legal agreement between you and Intuit. By clicking “I Agree,” indicating acceptance electronically, or by, installing, accessing or using the Services, you agree to this Agreement. If you do not agree to this Agreement, then you may not use the Services.
This Agreement describes the terms governing your use of the Intuit online services provided to you on this website, including Content (defined below), updates and new releases (collectively, the “Services”). This Agreement includes by reference:
2.1 The Services are protected by copyright, trade secret, and other intellectual property laws. You are only granted the right to use the Services and only for the purposes described by Intuit. Intuit reserves all other rights in the Services. Until termination of this Agreement and as long as you meet any applicable payment obligations and comply with this Agreement, Intuit grants to you a personal, limited, nonexclusive, nontransferable right and license to use the Services.
2.2 You agree not to use, nor permit any third party to use, the Services in a manner that violates any applicable law, regulation or this Agreement. You agree you will not:
For Services offered on a payment or subscription basis, the following terms apply, unless Intuit or its third-party affiliate notifies you otherwise in writing. This Agreement also incorporates by reference and includes program ordering and payment terms provided to you on the website for the Services:
Use of these Services may be available through a compatible mobile device, Internet access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.
INTUIT MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO:
You can view Intuit’s Privacy Statement provided with the Services and on the website for the Services. You agree to the applicable Intuit Privacy Statement and any changes published by Intuit. You agree that Intuit may use and maintain your data according to the Intuit Privacy Statement, as part of the Services. This means that Intuit may use your data to improve the Services or to design promotions and to develop new products or services. Intuit is a global company and may access or store personal information in multiple countries, including countries outside of your own country to the extent permitted by applicable law.
The Services may include a community forum or other social features to exchange Content and information with other users of the Services and the public. Intuit does not support and is not responsible for the Content in these community forums. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to content of third parties for which Intuit is not responsible.
You agree that Intuit may use your feedback, suggestions, or ideas in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant Intuit a perpetual, worldwide, fully transferable, sublicensable, non-revocable, fully paid-up, royalty free license to use the feedback you provide to Intuit in any way.
Intuit may, but has no obligation to, monitor access to or use of the Services or Content or to review or edit any Content for the purpose of operating the Services, to ensure compliance with this Agreement, and to comply with applicable law or other legal requirements. We may disclose any information necessary to satisfy our legal obligations, protect Intuit or its customers, or operate the Services properly. Intuit, in its sole discretion, may refuse to post, remove, or refuse to remove, or disable any Content, in whole or in part, that is alleged to be, or that we consider to be unacceptable, undesirable, inappropriate, or in violation of this Agreement.
Unless specifically included with the Services, Intuit is not in the business of providing legal, financial, accounting, tax, health care, real estate or other professional services or advice. Consult the services of a competent professional when you need this type of assistance.
You may be offered other services, products, or promotions by Intuit ("Intuit Services"). Additional terms and conditions and fees may apply. With some Intuit Services you may upload or enter data from your account(s) such as names, addresses and phone numbers, purchases, etc., to the Internet. You grant Intuit permission to use information about your business and experience to help us to provide the Intuit Services (including other products and services you might be interested in), to develop new products and services, and to enhance the Services.
Intuit may be required by law to send you communications about the Services or third-party products. You agree that Intuit may send these communications to you via email or by posting them on our websites.
You are responsible for securely managing your password(s) for the Services and to contact Intuit if you become aware of any unauthorized access to your account. The Services may periodically be updated with tools, utilities, improvements, third-party applications, or general updates to improve the Services. You agree to receive these updates.
8.1 YOUR USE OF THE SERVICES, SOFTWARE, AND CONTENT IS ENTIRELY AT YOUR OWN RISK. EXCEPT AS DESCRIBED IN THIS AGREEMENT, THE SERVICES ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INTUIT, ITS AFFILIATES, AND ITS AND THEIR THIRD-PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, "SUPPLIERS") DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY THAT THE SERVICES ARE FIT FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, DATA LOSS, NON-INTERFERENCE WITH OR NON-INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS, OR THE ACCURACY, RELIABILITY, QUALITY OF CONTENT IN OR LINKED TO THE SERVICES. INTUIT AND ITS AFFILIATES AND SUPPLIERS DO NOT WARRANT THAT THE SERVICES ARE SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT OR DESTRUCTION. IF THE EXCLUSIONS FOR IMPLIED WARRANTIES DO NOT APPLY TO YOU, ANY IMPLIED WARRANTIES ARE LIMITED TO 60 DAYS FROM THE DATE OF PURCHASE OR DELIVERY OF THE SERVICES, WHICHEVER IS SOONER.
8.2 INTUIT, ITS AFFILIATES AND SUPPLIERS DISCLAIM ANY REPRESENTATIONS OR WARRANTIES THAT YOUR USE OF THE SERVICES WILL SATISFY OR ENSURE COMPLIANCE WITH ANY LEGAL OBLIGATIONS OR LAWS OR REGULATIONS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ENTIRE LIABILITY OF INTUIT, ITS AFFILIATES AND SUPPLIERS FOR ALL CLAIMS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO SUCH CLAIM. SUBJECT TO APPLICABLE LAW, INTUIT, ITS AFFILIATES AND SUPPLIERS ARE NOT LIABLE FOR ANY OF THE FOLLOWING: (A) INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES; (B) DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS, CORRUPTION, SECURITY, LOSS OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF BUSINESS, REVENUE, PROFITS OR INVESTMENT, OR USE OF SOFTWARE OR HARDWARE THAT DOES NOT MEET INTUIT SYSTEMS REQUIREMENTS. THE ABOVE LIMITATIONS APPLY EVEN IF INTUIT AND ITS AFFILIATES AND SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS AGREEMENT SETS FORTH THE ENTIRE LIABILITY OF INTUIT, ITS AFFILIATES AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICES AND ITS USE.
You agree to indemnify and hold Intuit and its Affiliates and Suppliers harmless from any and all claims, liability and expenses, including reasonable attorneys' fees and costs, arising out of your use of the Services or breach of this Agreement (collectively referred to as "Claims"). Intuit reserves the right, in its sole discretion and at its own expense, to assume the exclusive defense and control of any Claims. You agree to reasonably cooperate as requested by Intuit in the defense of any Claims.
We reserve the right to modify this Agreement, in our sole discretion, at any time, and the modifications will be effective when posted through the Services or on our website for the Services or when we notify you by other means. We may also change or discontinue the Services, in whole or in part. It is important that you review this Agreement whenever we modify it because your continued use of the Services indicates your agreement to the modifications.
Intuit may, in its sole discretion and without notice, restrict, deny, terminate this Agreement or suspend the Services, related or other Services, effective immediately, in whole or in part, if we determine that your use of the Services violates the Agreement, is improper or substantially exceeds or differs from normal use by other users, raises suspicion of fraud, misuse, security concern, illegal activity or unauthorized access issues, to protect the integrity or availability of the Services or systems and comply with applicable Intuit policy, if you no longer agree to receive electronic communications, or if your use of the Services conflicts with Intuit’s interests or those of another user of the Services. Upon Intuit notice that your use of the Services has been terminated you must immediately stop using the Services and any outstanding payments will become due. Any termination of this Agreement shall not affect Intuit’s rights to any payments due to it. Intuit may terminate a free account at any time. Sections 2.2, 3 through 15 will survive and remain in effect even if the Agreement is terminated.
You acknowledge that the Services, its related website, online services, and other Intuit Services, including the mobile application, delivered by Intuit are subject to restrictions under applicable US export control laws, including US trade embargoes and sanctions and security requirements, and applicable country or local laws to the extent compatible with US laws. You agree that you will comply with these laws and regulations and will not export, re-export, import or otherwise make available products and/or technical data in violation of these laws and regulations, directly or indirectly.
California state law governs this Agreement without regard to its conflict of laws provisions.
ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO THE SERVICES OR THIS AGREEMENT WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN IN COURT, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this provision; the arbitrator shall apply California law to all other matters. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction. WE EACH AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY ENTERING INTO THIS AGREEMENT AND AGREEING TO ARBITRATION, YOU AGREE THAT YOU AND INTUIT ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY. IN ADDITION, YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. YOU AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.
To begin an arbitration proceeding, send a letter requesting arbitration and describing your claim to Intuit Inc., in care of our registered agent Corporation Service Company, 2711 Centerville Road, Wilmington, DE 19808. Arbitration will be conducted by the American Arbitration Association (AAA) before a single AAA arbitrator under the AAA’s rules, which are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees and costs will be governed by the AAA's rules, but if you are unable to pay any of them, Intuit will pay them for you. In addition, Intuit will reimburse all such fees and costs for claims totaling less than $75,000 unless the arbitrator determines the claims are frivolous. Likewise, Intuit will not seek its attorneys’ fees or costs in arbitration unless the arbitrator determines your claims or defenses are frivolous. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location. The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. This Section 14 shall survive expiration, termination or rescission of this Agreement.
This Agreement, including the Additional Terms below, is the entire agreement between you and Intuit regarding its subject matter and replaces all prior understandings, communications and agreements, oral or written, regarding its subject matter. If any court of law, having the jurisdiction, rules that any part of this Agreement is invalid, that section will be removed without affecting the remainder of the Agreement. The remaining terms will be valid and enforceable. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement. You may not assign or transfer this Agreement to anyone without written approval of Intuit. However, Intuit may assign or transfer this Agreement without your consent to (a) an affiliate, (b) a company through a sale of assets by Intuit or (c) a successor by merger. Any assignment in violation of this Section shall be void. If you want to request a transfer of this Agreement, contact Intuit via an email to: firstname.lastname@example.org.
Effective Date: April 2018
Intuit’s mission is Powering Prosperity Around the World – providing small businesses and consumers with More Money, More Time and More Confidence. We tap our global ecosystem of partners and users – all 46 million of them – for high-value insights. We focus the power of many, to drive the prosperity of one. Then we put that power in users' fingertips by delivering awesome product experiences, consistent with our company values, especially Integrity Without Compromise and our Data Stewardship Principles. These principles reflect our philosophy and approach for how we, and our partners, empower our customers throughout the entire financing lifecycle.
All financing partners on our platform must:
We offer financing products that help our customers to get the access to credit they need to financially grow personally or professionally.
Transparency, responsible lending and data-driven insights are cornerstones to how we empower our customers' financial decisions.
We use customer data, with their consent, in a secure and transparent way to help make the application, approval and funding process fast and easy.
We use customer data to surface insights about the state of their finances to help them make smart decisions both prior to and during the financing process. We help to educate borrowers on variety of financing options available and ensure full transparency in loan details.
These Additional Terms and Conditions shall prevail over any conflict or inconsistency with the General Terms of Service above.
USE LIMITATIONS. IMPORTANT NOTICE. IF YOU ARE USING THE INTUIT QUICKBOOKS CAPITAL SERVICES, THE FOLLOWING TERMS APPLY TO YOU IN ADDITION TO THE TERMS OF SERVICE ABOVE. Capitalized terms not otherwise defined below have the meanings provided in the Terms of Service Agreement.
Intuit operates a marketing platform (“Marketplace Service”) to present small businesses with options from financial solution provider(s), including loans offered by Intuit Financing Inc. (“QBC Loans”). We provide a lead generation service to simplify the process of finding a financial business solution. Where required by applicable law, Intuit is a licensed loan broker in certain states. Please see below for more information about our licenses.
Except for QBC Loans, all other financial solutions displayed on this site are provided by independent, third-party financial solution providers (“Providers”). They are solely responsible for their financial solutions advertised or made available via the Marketplace Service, including compliance with all applicable laws and disclosures. We do not make any lending or credit decisions on their behalf, nor do we participate in any underwriting decisions. Intuit provides this Marketplace Service, on your behalf, to help determine if your business might qualify for financial solutions offered by our Providers, and present you with an offer based on your information and some of the Provider’s criteria. Intuit may present you with information about a financial solution, including a link to the Provider’s website to allow you to apply directly with the Provider. The information you provide to us is not a loan application. You acknowledge that we are not the agent of the Provider. From time to time, Intuit may partner with selected Providers to provide you special, exclusive or invitation-only offers (“Special Offers”).
Providers may require a loan application, a personal consumer report, additional information and application fee from you before they offer you a financial solution. Providers may provide you with information about a financial solution, including related legal notices or disclosures, an estimate of fees and interests charged to you and whether such fees are refundable. Except where stated in the Terms, we do not provide services to assist you in obtaining a financial solution, including negotiating any terms on your behalf or issuing any documents to you on the Provider’s behalf. You are solely responsible for arranging a loan with your Provider and paying all fees and expenses incurred in connection with your efforts to obtain a financial solution.
With the exception of some Special Offers, we do not receive information during the application process, including the terms of your loan, associated fees and prepayment penalties and if your loan is secured by real property.
Offer information such as interest rates, fees, loan amounts, loan terms and payment information are provided by the Provider solely for informational purposes. Except where stated, such information is not generally an offer or commitment of financing, a lock-in agreement. The information is not a guarantee for approval on any specific terms or conditions. You must apply directly with the Provider even if you have received communication about a specific offer. Information and offers are subject to change and offers are subject to Provider’s underwriting and verification of your information when you apply on their site. Providers will require additional information from you. Offers are not transferable and may not be available in all states.
In some cases, we may not be able to match you with any Providers. This may be due to a number of reasons, including not having enough information about you and/or your business at that time to make a determination. As Providers may consider your business using other criteria and/or may have other programs or products that might meet with your business needs, please contact them directly. Additionally, we may continue to contact you to see if there are other financial solutions that you might interest you.
You may receive QBC Loan offers from us, including via our Marketplace Service, from within our QuickBooks accounting product or via other communications. Such offers are based on your information about your business. By starting the process to obtain a QBC Loan, you authorize us to use and obtain information about you and your business, from third parties, to pre-qualify and underwrite your business. You provide us your ‘written instructions’ under the Fair Credit Reporting Act to obtain a copy of your consumer report from credit reporting agencies to pre-qualify and underwrite your business. We may also review such information to evaluate your eligibility to act as a personal guarantor. As a personal guarantor, you will be held personally liable for the loan even if your business cannot repay it.
You also authorize us to use your information to obtain your information from third parties, including your financial information from your bank accounts. Such accounts that you identify should be business accounts only. You represent and warrant that your business is the owner of such accounts, and that, you have the authority to grant us access to your information.
Please review all loan offer details and terms carefully to make sure you understand all applicable fees, rates and terms of the loan agreement before you apply for the loan and accept the loan agreement. We do not represent or warrant that QBC Loans have more favorable terms than any provider. You should evaluate all your options carefully. All offers are subject to change and final approval. Additional terms and conditions included in our loan agreement apply to you and your business should you accept the QBC Loan. Intuit Financing Inc. is a licensed lender where required by applicable law. For California, our NMLS is 1136148. QBC Loans are not available in all states.
Some Special Offers include pre-approvals or approvals from selected Providers. If you apply for such Special Offers, you are agreeing to the Provider’s terms and conditions, including their electronic signature consent, in addition to these Terms, and you acknowledge you are submitting a loan application to the Provider via the Marketplace Service.
At times, our Marketplace Service may not be able to process offers for you due to technical difficulties, other reasons beyond our reasonable control, or if the Provider needs additional information from you. Please contact the Provider of such offers directly if you have any questions. We may provide you offer for other financial solutions that may have higher rates or fees. Please review all offers and terms and conditions carefully.
Intuit does not charge you a fee to use the Marketplace Service. Intuit receives compensation from Providers that is based on a percentage of your loan amount or a specific dollar amount for a financial solution such as a credit card for our role as a loan broker. Intuit is compensated after your loan closes or upon issuance of a credit card except if stated otherwise. Please see the Disclosure Site for more information. Providers may include the fees they pay to Intuit as part of your terms. Intuit does not control Provider’s fees or terms with you, nor do we have knowledge of what extent the compensation paid to Intuit impacts the interest rates or fees charged to you. Loan terms and conditions are entirely and solely within the Provider’s discretion. Intuit may charge applicable fees and interests if you accept a QBC Loan. Please review those fees and interests carefully before you apply for a QBC Loan or accept the loan agreement for a QBC Loan.
Intuit has an interest in an entity that will purchase Special Offer loans from the Provider that may result in distributions to Intuit. Any amount received from this interest is separate from compensation we earn as a loan broker.
While we may work with preferred Providers from time to time, Intuit does not endorse any of the Providers or any of their solutions or products. Intuit does not guarantee that (i) you will receive an offer from us or any Provider; (ii) the financial solutions that are made available to you have the best terms or the lowest rates on the market; (iii) you will be approved by us or a Provider even if you have received a pre-approval or approval with specific terms; or (iv) you will receive funding by any specified time. You should rely on our own judgment and evaluation in selecting the financial solution that is appropriate for your business needs. Intuit is not liable for any damages or costs arising out of or in connection with your use of the Services. Intuit is not in the business of providing legal, financial (other than QBC Loans), accounting, tax, real estate or other professional services or advice. Consult the services of a competent professional when you need this type of assistance.
By using the Services, you hereby authorize Intuit and our Providers to obtain and use your information to provide the Services. You provide us and our Providers your ‘written instructions’ under the Fair Credit Reporting Act to obtain a copy of your consumer report and other information from third parties, including credit reporting agencies, to use for Marketplace Services. Intuit and Providers may use your information in connection with evaluating your business for offers from Providers.
You must be eighteen (18) years or older to use the site or the Services. While the Services is available to businesses incorporated in the United States or has a principal place of business in the United States, not all financial solutions or Providers are available in all states. You agree to only use the site or Services for a bona fide business purpose. You represent you are a business entity and agree you will not use the site or Services for personal, family, household or other consumer purposes. Intuit is not a credit reporting agency or a consumer reporting agency as defined in the Fair Credit Reporting Act (“FCRA,”) and the information in this site has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined in the FCRA.
We may contact you to provide you information regarding our services, including related to any transactions or inquiries, your relationship with Intuit as well as to answer any questions you may have. We may also contact you with marketing offers that might be of interest to you. This may occur despite not being able to find any offers initially when you used the Services, as additional financial products and Providers may be added onto the Services or available elsewhere.
You expressly agree to be contacted at the email addresses, mailing addresses and phone numbers you provided or that we obtained through legal means such as skip tracing for transactional and marketing purposes. You agree to receive manually dialed calls or text messages from us.
Providing your consent to allow us to contact you for marketing purposes is not a condition of the Services. Calls or text messages to you may be made by or on our behalf. Marketing calls or text may be made even if your telephone number is registered on any state or federal Do Not Call list. You acknowledge that you may incur a charge for these calls or text messages by your telephone carrier and that we are not responsible for these charges.
We may send you “prescreened” offers of credit based on information in your credit report indicating that you meet certain criteria. If you do not want to receive prescreened offers of credit from Intuit or other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); or write them individually at: Experian Target Marketing, PO Box 919, 701 Experian Parkway B2, Allen, TX 750513; Equifax Options, PO Box 740123, Atlanta, GA 30374-0123; TransUnion Corporation, Attn: Marketing Opt Out, PO Box 505, Woodlyn, PA 19094-0505.
As a QBC Loan customer, you as the “Borrower” may be provided access to a QuickBooks Capital web portal which may enable you to view your loan balance and transaction history, schedule a one-time payment, cancel automatic payments, pay by debit card, or for other purposes related to your QBC Loan. Your use of the web portal will require establishing a login and password, and will be subject to the terms of this Agreement and the following terms below. The QuickBooks Capital web portal and included services on this site are provided by Intuit Financing Inc.’s third-party servicer, Total Card Inc. (“TCI”). To have access to this site and services, you understand and agree to the following:
(a) Information on the Web Portal. The information available via the QuickBooks Capital web portal is as of 12:00 a.m. Central Time; therefore, it may not accurately represent real time, current information regarding your account at the time you access. You should contact TCI at (877) 327-7310 during business hours if you require absolute up-to-date account information. TCI’s business days /hours are Monday through Friday 7:00 a.m. to 9:00 p.m. (Central Time) and Saturday 7:00 a.m. (Central Time) to 2:30 p.m. (Central Time), except certain holidays on which TCI may be closed. Access to the QuickBooks Capital web portal is available twenty-four (24) hours a day, seven (7) days a week, except during maintenance periods or unscheduled down times.
(b) Payments. Any loan payment received after 12:30 PM Pacific Time on a business day by TCI will be considered to have been made by the Borrower on the next succeeding business day. IMPORTANT NOTICE: Online payments submitted through the QuickBooks Capital web portal will be deducted electronically from your banking account via Automated Clearing House (ACH) and will be charged as an ACH debit item on the banking account designated by you pursuant to the ACH Authorization you provided to us.
(c) Inactive Account Status. We may convert your account and login information to inactive status if you do not sign onto the QuickBooks Capital web portal or do not have any transactions scheduled through the site during any consecutive 90-day period. If your account becomes inactive, you must contact Intuit (see Help and Support below) to have your account reactivated before you are granted access to, or will be able to schedule any further transactions through the site.
(d) Your Right to Stop Pre-Authorized Electronic Funds Transfer Payments. If you have made arrangements with us to make regular payments or withdrawals out of your checking account, you can stop any of these pre-authorized payments. Contact Intuit (see Help and Support below) and allow at least three (3) business days before the pre-authorized payment is scheduled to be stopped.
(e) Terms of Your Loan Agreement. In accordance with the terms of your loan agreement, please be reminded that: Borrower may terminate this authorization or stop a scheduled automatic payment by notifying Lender or any servicer in writing sufficiently in advance to allow Lender or any servicer to act but in no case less than three (3) business days before a Payment Due Date. Borrower’s termination will be effective three (3) business days after the date that Lender receives Borrower’s notice. If Borrower calls Lender or any servicer of Lender, Lender or any such servicer may ask Borrower to provide Borrower’s request in writing to Lender within 14 calendar days of Borrower’s call. Lender may modify or terminate this authorization for any reason by notifying Borrower in writing at Borrower’s last known business mail or email address in Lender’s records. If this authorization is revoked or terminated, Borrower remains responsible for making all remaining payments required under this Agreement by an approved method.
Your loan agreement will include the interest rates and fees for your loan, including applicable late fees, returned check fee/ insufficient funds fee and any other pass-through fees. Those fees are replicated here for your quick reference:
Late Fee: Subject to any restrictions under applicable law, a Late Fee in the amount not to exceed 5% of the outstanding owed amount will be charged if a scheduled payment is not received within 10 days of the Payment Due Date.
Returned Check Fee/ Insufficient Funds Fee: Subject to any restrictions under applicable law, a Returned Check Fee or an Insufficient Funds Fee in the following amount for any dishonored or returned paper or electronic payment that there may be insufficient funds. $10.00 per returned check. $10.00 after three insufficient electronic funds attempts with respect to the same payment due.
Other Pass-Through Fees: Subject to any restrictions under applicable law, lender will charge borrower a pass-through fee if borrower elects to use business debit card as an alternative payment method. Lender reserves the right to charge other pass-through fees for optional services if agreed to by Borrower.
For any other terms of your loan, including fees, please refer to your loan agreement. The loan agreement was emailed to you at the time you accepted the loan. If you need to another copy of the loan agreement, please contact 844.832.2903.
If you would like a statement of specific reasons why you did not receive an offer from a financial solution provider in our Marketplace Service, please contact us at email@example.com within 60 days of using the Marketplace Service. We will provide you with a statement of reason within 30 days after receiving your request. If you were not approved for a Special Offer, you may receive communication from the Provider directly. Please contact Providers if you have any questions about their financial solutions or why you were not approved.
QuickBooks Capital operates a marketing platform to provide businesses with finance options provided by independent lenders or providers. We may identify offers from our providers based on your information and provider’s criteria. You provide us consent to use and share your data with our providers. If you are interested, you must apply with our providers. We do not make any loan eligibility determinations and we do not guarantee that you will receive any offers or loans. While we may receive some information from our providers after your loan closes, we do not receive specific information about your loan terms during the application process or after your loan closes. In some cases, we may partner with selected providers to offer invitation-only or special offers for selected loans. To learn more about our free marketplace platform, our role as a lead generator or to find additional disclosures, please refer to the QuickBooks Capital Terms of Service. These disclosures form a part of the legal agreement between you and Intuit, and are incorporated into the QuickBooks Capital Terms of Service. Please print and retain a copy of this notice for your records. You consent, acknowledge and agree that you have read and received a copy of this disclosure.
QuickBooks Capital is provided by Intuit Financing Inc., a corporation incorporated in the state of Delaware, headquartered at 2700 Coast Avenue, Mountain View, CA 94043. It is a subsidiary of Intuit Inc., a corporation incorporated in the state of Delaware, headquartered at 2700 Coast Avenue, Mountain View, CA 94043.
Intuit Financing Inc. is a licensed broker in states that require a license. Our service is limited to commercial or business loans only.
Nationwide Mortgage Licensing System and Registry ID: 1136148
Real Estate Broker License #: 01960430
Finance Lending License #: 6054856
As most loan applications are handled by the provider, Intuit may not receive information about your loan such as payment and loan balance scenarios during the application process. Intuit generally does not provide loan applications, nor do we receive completed application from you or provider. With some special offers, Intuit may allow you to submit your information via our service.
License #: MBR1804
For mortgage loans, Intuit receives a percentage of the loan amount as compensation, not to exceed any maximum amounts permitted by applicable law. While we do not charge you a fee to use our service, providers may include the compensation they pay us as part of fees or interest rates in your loan. Providers determine the terms of your loan in their sole discretion. Where required, providers may provide you a good faith estimate of the fees charged to you.
License #: MBL-8619
License #: MC 0025220
QuickBooks Capital is operated by Intuit Financing Inc., the company that enters into the QuickBooks Capital Terms of Service with you.
Intuit Financing Inc. is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, Kansas 66603.
Real Estate Broker License #: 40375193
Mortgage Broker License #: MN-MO-1136148
For mortgage loans, Intuit receives a percentage of the loan amount as compensation from providers. Intuit generally does not receive information about your loan such as the interest rates, fees for your loan, if the fees are refundable and the escrow account in which the fees are deposited during the loan application process. Any interest rate charged to you is solely at the discretion of the provider; such providers are subject to applicable laws regarding maximum interest rates. You should understand the terms of your loan before you obtain your loan. While we may continue to send you information about loan products (unless you change your communications settings), our services end after we provide you information about your loan options, if any, or after you provide us your consent to disclose your data to a provider, where available.
DISCLOSURES REQUIRED BY NEBRASKA LAW.
THE STATE OF NEBRASKA HAS NOT REVIEWED AND DOES NOT APPROVE, RECOMMEND, ENDORSE, OR SPONSOR ANY LOAN BROKERAGE AGREEMENT. THE INFORMATION CONTAINED IN THIS DISCLOSURE DOCUMENT HAS NOT BEEN VERIFIED BY THE STATE. IF YOU HAVE QUESTIONS, SEEK LEGAL ADVICE BEFORE YOU SIGN A LOAN BROKERAGE AGREEMENT.
Intuit Inc. provided QuickBooks Capital from February of 2013 to August 2013. Thereafter, Intuit Financing Inc. has been providing this service.
The following are the names and titles for Intuit Financing Inc.:
Intuit Financing Inc. has entered into the following number of loan brokerage agreements that succeeded in the approved loans in the previous twelve months (time period Jan 2017 - Dec 2017): 48.
License #: 01899
This brochure contains some common terms and definitions, which are intended to help you better understand your credit transaction. Credit costs money, so it is important that you fully understand the terms of your credit transaction. If you come across terms you do not understand, look up the terms, or ask our personnel to explain the terms to you. Ask questions. Make certain the questions that you ask are answered. Make certain you understand the terms and costs of your loan:
This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website: www.rld.state.nm.us/financialinstitutions/
For questions, please call 844.832.2903
Registration #: 173
The State of North Carolina has not reviewed and does not approve, recommend, endorse or sponsor any loan brokerage contract. The information contained in this disclosure has not been verified by the State. If you have any questions see an attorney before you sign a contract or agreement.
The following are the names and titles for Intuit Financing Inc.:
We have secured a bond by Travelers Casualty and Surety Company of America, located at One Tower Square, Hartford, CT 06183, a surety authorized to do business in North Carolina. Before signing a contract with this loan broker, you should check with the surety company to determine the bond's current status.
Intuit Financing Inc. has entered into the following number of loan brokerage agreements that succeeded in the approved loans in the previous twelve months (time period Jan 2017 - Dec 2017): 310.
License #: MB102690
Intuit receives a percentage of the loan amount as compensation from providers after the loan closes for our role as a loan broker. While we may continue to send you information about loan products (unless you change your communications settings), our services end after we provide you information about your loan options, if any, or after you provide us your consent to disclose your data to a lender, where available.
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.
CAUTION TO BORROWER: IF YOU DO NOT HAVE THE FUNDS TO PAY THE BALLOON PAYMENT WHEN DUE, IT MAY BE NECESSARY FOR YOU TO OBTAIN A NEW LOAN AGAINST YOUR PROPERTY FOR THIS PURPOSE AND YOU MAY BE REQUIRED TO AGAIN PAY COMMISSION AND EXPENSES FOR ARRANGING THE LOAN. KEEP THIS IN MIND IN DECIDING UPON THE AMOUNT AND TERMS OF THE LOAN THAT YOU OBTAIN AT THIS TIME.
Mortgage Broker License #: 1238 MB
Mortgage Broker License #: 1239 MB
Intuit receives a percentage of the loan amount as compensation from providers for our role as loan broker. As a mortgage broker and as between you and the provider, we represent your business interests in providing the services described in the QuickBooks Capital Terms of Service and this disclosure. Our services are consultative only.
|STATE||LICENSE TYPE||LICENSE NO.||ISSUING AGENCY||LICENSE|
|Alabama||Mortgage Broker||MB 22063||State Banking Department, Bureau of Loans|
|Alaska||Small Loan Company||10000990||Department of Commerce, Community, and Economic Development, Division of Banking and Securities|
|Arizona||Commercial Mortgage Banker (Company)||CBK - 0927322||Department of Financial Institutions|
|Arizona||Commercial Mortgage Banker (Branch)||CBKBR - 0119459||Department of Financial Institutions|
|California||Finance Lenders Law Lender and Broker||605 4856||Department of Business Oversight|
|California||Real Estate Corporation License Endorsement||01960430 (Corporation Number)||Bureau of Real Estate|
|District of Columbia||Money Lender||ML1136148||Department of Insurance, Securities and Banking|
|Florida||Consumer Finance Company||CF9901279||Florida Office of Financial Regulation|
|Florida||Mortgage Broker||MBR1804||Office of Financial Regulation|
|Georgia||Mortgage Broker/Processor License||45833||Department of Banking|
|Idaho||Mortgage Broker/Lender||MBL-8619||Department of Finance|
|Kansas||Mortgage Company||MC.0025220||Office of State Bank Commissioner|
|Maryland||Installment Loan||03-2339||Department of Labor, Licensing and Regulation|
|Minnesota||Limited Broker||40375193||Department of Commerce, Real Estate|
|Minnesota||Residential Mortgage Originator||MN-MO-1136148||Department of Commerce, Financial Institutions Division|
|Nevada||Mortgage Broker (Principal)||4261||Division of Mortgage Lending|
|Nevada||Mortgage Broker (Branch)||4261||Division of Mortgage Lending|
|New Mexico||Small Loan||01899||Financial Institutions Division|
|North Carolina||Loan Broker Registration||173||Secretary of State|
|North Dakota||Money Broker||MB102690||Department of Financial Institutions, Consumer Division|
|Oregon||Mortgage Lender||ML-5388||Division of Financial Regulation|
|Rhode Island||Lender License||20183583LL||Department of Business Regulation|
|Rhode Island||Loan Broker||(No separate License Number)||Department of Business Regulation|
|Rhode Island||Small Loan Lender||20183584SL||Department of Business Regulation|
|South Dakota||Money Lender||MYL.3279||Division of Banking|
|South Dakota||Mortgage Broker||MB.00034||Division of Banking|
|Tennessee||Industrial Loan and Thrift||0000004042||Department of Financial Institutions|
|Vermont||Lender License||7194||Department of Financial Regulation|
|Vermont||Lender License (D/B/A QuickBooks Capital)||7195||Department of Financial Regulation|
|Vermont||Loan Solicitation||LSO-1136148||Department of Financial Regulation|
|Vermont||Loan Solicitation (D/B/A QuickBooks Capital)||LSO-1136148-1||Department of Financial Regulation|
|Vermont||Mortgage Broker||1238 MB||Department of Financial Regulation|
|Vermont||Mortgage Broker (D/B/A QuickBooks Capital)||1239 MB||Department of Financial Regulation|
Effective Date: August 2018