Welcome to our website. These Terms of Use (“Terms”) form a legally binding
agreement between you (“User,” “you,” or “your”) and Epic Advance (“Company,” “we,”
“our,” or “us”) governing your access to and use of our website and any related services,
features, portals, or tools (together, the “Site”).

By accessing or using the Site, you confirm that you have read, understood, and agree to
comply with these Terms and all relevant laws. If you do not agree, please refrain from
using the Site.

1. Use of the Site

You may only access and use the Site for lawful purposes connected to exploring or
utilizing our services. Any unauthorized activities—such as altering, distributing, or
selling content or data from the Site—are strictly forbidden.

You agree not to misuse the Site in any manner that could harm, disable, overload, or
impair its functionality, or disrupt others’ use of it. You are responsible for keeping your
account credentials confidential and for all actions taken under your account.

2. User Eligibility & Information

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To access certain features of our Site or request services, you may need to provide
personal and business information, including financial details. By submitting this
information, you confirm that:

● You are at least 18 years old.

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● All information provided is accurate, complete, and current.

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● You have the authority to share this information and grant us permission to use it
as described in our Privacy Policy.

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We reserve the right to verify the information you provide and may deny or suspend
access if any information is found to be false or misleading.

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3. Modifications to Terms

We may revise these Terms periodically without advance notice. Any changes will take
effect once posted on this page along with the updated effective date. By continuing to
use the Site, you agree to be bound by the updated Terms.

4. Intellectual Property

All materials on the Site—including, but not limited to, graphics, design elements, text,
software, logos, and images—are owned or licensed by us and safeguarded by
intellectual property laws. You are not permitted to copy, reproduce, republish, or create
derivative works from any content without obtaining our prior written permission.

5. Third-Party Links and Software

The Site may include links to third-party websites or software tools for your
convenience. We do not guarantee the availability, accuracy, or content of these external

sites. Your use of these links is at your own risk and governed by the terms of the
respective third parties.

6. Disclaimers

The information and services on the Site are provided “as is” and “as available,” without
any express or implied warranties. We do not promise that the Site will be continuous,
error-free, or secure, nor do we guarantee the accuracy or dependability of any content.
You acknowledge that using the Site is at your own risk, and we are not responsible for
any loss or damage caused by your reliance on the Site’s information.

7. Limitation of Liability

In no event shall we or our affiliates be held responsible for any direct, indirect,
incidental, consequential, or punitive damages resulting from your use or inability to
use the Site, even if we were warned about the potential for such damages.
This includes, without limitation, damages related to lost profits, lost data, or service
disruptions.

8. Privacy

Your use of this Site is subject to our Privacy Policy, which details how we gather, use,
and safeguard your information. By continuing to use the Site, you agree to the terms
described in the Privacy Policy.

9. Security

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Although we take suitable measures to safeguard your data, no electronic transmission
method is completely secure. We cannot guarantee the safety of any information you
send, so you do so at your own risk.
If your personal information is involved in a data breach, we will inform you as required
by applicable laws.

10. Consent to Electronic Communication

By accessing our Site, you consent to receive electronic communications from us,
including emails, text messages, or messages through the Site. You acknowledge that all
notices, disclosures, and other communications we send electronically satisfy any legal
requirement for written communication.

11. Consent to Contact

You clearly agree to receive phone calls, text messages, and other forms of
communication—including those sent using automated systems—at the phone numbers
you provide. These messages may contain informational, service-related, or
transactional content.

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Standard message and data rates may apply depending on your mobile carrier.

12. Jurisdiction & Governing Law

These Terms will be governed by and interpreted under the laws of the State of New
Jersey, without considering its conflict of laws rules.
Any disputes arising from these Terms will be settled in the courts of New Jersey, unless
we choose to resolve them through arbitration as outlined below.

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13. Dispute Resolution

At our sole discretion, we may require that any dispute connected to your use of the Site
be settled through binding arbitration following the procedures of the American
Arbitration Association. The arbitration will take place in New Jersey, and the resulting
decision can be enforced by any court with appropriate jurisdiction.

14. Indemnification

You agree to protect, indemnify, and hold our company, its affiliates, officers,
employees, and agents harmless from any claims, damages, liabilities, or costs
(including legal fees) that result from your use of the Site, breach of these Terms, or any
infringement committed by you or anyone using your account.

15. Site Availability

We do not guarantee that the Site will always be accessible. Access may be interrupted,
paused, or ended without prior notice due to maintenance, updates, or technical
problems. We are not responsible for any losses or inconveniences resulting from these
interruptions.

16. Miscellaneous

These Terms constitute the complete agreement between you and the Company
concerning your use of the Site. If any section of these Terms is found to be
unenforceable, the rest will remain fully effective.

A waiver of any provision will not be interpreted as a waiver of that provision again or of
any other provision. Headings are provided solely for convenience and do not carry any
legal weight.

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17. SMS Terms:

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EPIC Advance sends text messages to those that opt in. Messages we send include
Account Notification, Delivery Notification, and Customer Care. Message frequency may
vary. Message and data rates may apply. Text HELP or contact us at
antonio@epic-advance.com for support. Text STOP to opt out of future messages at any
time.