Last Updated: June 6, 2025
Discover transparent terms governing Ulrich Jones & Associates’ business funding solutions, credit consulting, and brokerage services—know your rights and obligations.
1. Acceptance of Terms
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“Client,” “you,” or “your”) and Ulrich Jones & Associates (“Company,” “we,” “us,” or “our”). By accessing ulrichjones.com (the “Site”), engaging with any materials distributed by us, or utilizing any of our consulting, matching, referral, or brokerage offerings (collectively, the “Services”), you confirm that you have read, understood, and agreed to be bound by these Terms. If you are acting on behalf of a business entity, you represent that you are fully authorized to bind that entity to these Terms.
You must be at least twenty‑one (21) years of age, possess full legal capacity, and reside within a jurisdiction where the Services are lawfully offered. If you do not agree with any provision herein, discontinue use of the Site and Services immediately.
2. Definitions
“Business Funding Solutions” – Strategic consultation, documentation assistance, and introduction to third‑party lenders for capital procurement.
“Credit Consultation” – Advisory sessions focused on credit profile optimization, credit‑stacking strategies, and funding readiness best practices.
“Lender” – A bank, credit union, private capital provider, or other licensed financial institution that underwrites and originates financing.
“Content” – All text, graphics, videos, calculators, PDFs, and other information published on the Site or provided during the Services.
3. Scope of Services
Ulrich Jones & Associates is a business loan broker. We facilitate introductions between Clients and multiple Lenders, assemble funding packages, analyze credit reports, and advise on capital acquisition strategies. We do not act as a direct lender, guarantor, credit repair organization, or legal counsel. Any financing product ultimately delivered to you will be originated and underwritten solely by the selected Lender, subject to that Lender’s independent criteria and documentation requirements.
3.1 No Fiduciary Duty
Our relationship is contractual and based on the mutual obligations in these Terms and any subsequent written agreement. We do not owe you fiduciary duties beyond those required by applicable law.
4. Regulatory Compliance
We conduct operations in accordance with the Federal Trade Commission Act (FTC Act), Truth in Lending Act (TILA), Consumer Financial Protection Bureau (CFPB) regulations, Gramm‑Leach‑Bliley Act (GLBA), and any pertinent state statutes, including the West Virginia Credit Services Organizations Act. We prohibit deceptive advertising, misrepresentation of funding likelihood, and unfair fee practices.
5. User Eligibility and Responsibilities
As a Client you agree to:
Provide accurate, current, and complete information during discovery calls, application intake, and document submission.
Maintain verifiable control over the business entity for which funding is sought.
Use the Services exclusively for lawful commercial purposes.
Promptly update us regarding any material changes affecting funding eligibility (e.g., new liabilities, legal actions, address changes).
Refrain from impersonating another individual or entity or manipulating data to obtain financing.
6. Application Accuracy and Truthfulness
Misstated revenue, falsified bank statements, synthetic identities, or undisclosed liens are grounds for immediate termination of Services and may expose you to civil and criminal liability. You acknowledge that Lenders employ fraud‑detection technology, portfolio analytics, and third‑party verification to evaluate all submissions.
7. Funding Disclaimer and Results Variability
We strive to position every Client for optimal approval. Nevertheless, funding is never guaranteed. Approval amounts, interest rates, and repayment schedules depend on factors such as: time in business, cash‑flow consistency, industry risk, credit score, collateral availability, and each Lender’s internal risk appetite at the moment of review. Historical successes do not assure future outcomes.
8. Client Conduct and Prohibited Activities
You agree not to:
Reverse‑engineer, copy, or resell proprietary templates or training materials.
Engage in harassing, abusive, or defamatory communication toward Company staff or partners.
Upload malware, automated bots, or engage in scraping of the Site.
Use obtained capital for illicit activities including money laundering or terrorist financing.
9. Intellectual Property Rights
All Content is protected under U.S. and international copyright, trademark, and trade‑dress statutes. The Ulrich Jones & Associates name, compass‑rose logo, and related marks are registered or common‑law trademarks. Except where a license is explicitly granted in writing, no portion of the Content may be reproduced, adapted, or distributed without prior written consent.
10. Confidentiality
We treat non‑public information you provide as confidential and apply commercially reasonable security measures (encryption in transit and at rest, access controls, routine audits). Confidentiality obligations do not extend to information that: (a) becomes publicly available without breach; (b) is already lawfully in our possession; (c) is independently developed without reference to your confidential data; or (d) is required to be disclosed by subpoena or regulatory mandate.
11. Privacy and Data Security
Our Privacy Policy—incorporated here by reference—details data categories collected, lawful bases for processing, retention periods, and your opt‑out rights. By using the Services, you consent to data transfers to Lenders, credit bureaus, and trusted service providers located in the United States. We maintain administrative, technical, and physical safeguards aligned with NIST SP 800‑171 control families.
12. Third‑Party Links, Tools & Content
Hyperlinks on the Site may point to Lender portals, industry articles, or software platforms. We provide such links for convenience only and exercise no control over external domains. Your engagement with third‑party sites is governed by their respective terms. We disclaim liability for loss or damage arising from such interactions.
13. No Professional Advice
Information provided through the Services is educational and consultative. It does not constitute legal, tax, accounting, or investment advice. You should consult appropriate licensed professionals before finalizing significant financial decisions.
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, UL RICH JONES & ASSOCIATES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, REVENUE, GOODWILL, OR DATA) ARISING OUT OF OR RELATED TO THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES SHALL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE FEES PAID BY YOU TO US WITHIN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
15. Indemnification
You agree to defend, indemnify, and hold harmless Ulrich Jones & Associates and its affiliates from any third‑party claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from: (a) your breach of these Terms; (b) your misuse of the Site or Services; or (c) your violation of any law or the rights of a third party.
16. Dispute Resolution and Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or the breach thereof shall be resolved first through good‑faith mediation in Berkeley County, West Virginia. If mediation fails, the matter shall be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. If you initiate arbitration, you shall bear all filing and administrative costs except where prohibited by West Virginia law; otherwise, each party shall split such costs equally. The arbitrator’s award shall be final and may be entered as a judgment in any court of competent jurisdiction.
17. Modification of Terms
We reserve the right, at our sole discretion, to amend, replace, or supplement these Terms at any time. Updates will be posted on the Site with a revised “Last Updated” date. Continued use after changes become effective signifies acceptance.
18. Severability
If any provision of these Terms is held unenforceable or invalid by a court or arbitrator, the remaining provisions shall remain in effect and be construed in a manner consistent with applicable law.
19. Waiver
Our failure to enforce any right or provision in these Terms shall not constitute a waiver of future enforcement of that or any other right or provision.
20. Assignment
You may not assign or transfer your rights or obligations under these Terms without prior written consent from us. We may assign our rights and obligations in connection with a merger, acquisition, sale of assets, or by operation of law.
21. Governing Law & Venue
These Terms shall be governed by and construed in accordance with the laws of the State of West Virginia and federal laws of the United States, without regard to conflict‑of‑law principles. Subject to the arbitration clause, the parties consent to exclusive jurisdiction of state and federal courts located in Berkeley County, West Virginia.
22. Contact Information
Ulrich Jones & Associates
Martinsburg, WV 25401, USA
