Terms of Service – Novapex

Effective Date: 8/25/2025

These Terms of Service (“Terms”) govern your use of the services provided by Novapex. By applying for funding, marketing, using our website, or engaging with our services, you agree to be bound by these Terms.

1. Eligibility

To use our services, you must:

• Be at least 18 years old.

• Provide accurate and complete information during the application process.

• Be authorized to act on behalf of your business (if applicable).
  
  

2. Services Provided

Novapex connects clients with financial and marketing products, including but not limited to:

• Business loans and lines of credit

• SBA-backed financing

• Equipment financing

• Alternative lending solutions

• Ai Automation

• AI-powered smart Chatbots

• Social media marketing
  
  

3. Client Responsibilities

You agree to:

• Provide truthful and accurate information in all applications.

• Maintain the confidentiality of account credentials.

• Use our services only for lawful business purposes.
  
  

4. Disclaimers

• Novapex is not responsible for funding decisions made by third-party lenders.

• We do not provide legal, tax, or financial advice. You should consult your own advisors before entering into any financing agreement.

• Services are provided “as is” and “as available,” without warranties of any kind.

• We do not guarantee approval, funding amounts, marketing outcomes, or specific terms, as these are determined by demographics, underwriting and lender requirements.

5. Limitation of Liability

To the maximum extent permitted by law, Novapex shall not be liable for:

• Loss of profits, revenue, or data.

• Any indirect, incidental, or consequential damages.

• Delays or failures caused by third parties, internet outages, or force majeure events.
  
  

6. Indemnification

You agree to indemnify and hold harmless Novapex, its employees, and partners from any claims, liabilities, damages, or expenses resulting from your use of our services or violation of these Terms.

7. Termination

We may suspend or terminate your access to our services if you:

• Provide false or misleading information.

• Misuse our services for fraudulent or unlawful purposes.

• Violate these Terms.
  
  

8. Governing Law

These Terms shall be governed by and construed under the laws of the State of Florida, without regard to its conflict of law provisions.

9. Changes to Terms

We may update these Terms from time to time. Continued use of our services after changes indicates acceptance of the revised Terms.