Terms of Service, Privacy Policy & Legal Disclosures

We focus on understanding your unique needs, providing solutions that work best for you.

Rnueva360 LLC, a DBA of RNUEVA360, operating in the State of Florida

Address: 12955 Biscayne Blvd, Suite 200, North Miami, FL 33181

Website: https://www.rnueva360.com

Effective Date: October 2025

TERMS OF SERVICE

1) About Rnueva360

Rnueva360 (the “Company,” “we,” “us,” or “our”) provides business funding brokerage, financial consulting, payment processing advisory, and personal credit consulting. We are not a lender, bank, credit union, money transmitter, or a “credit repair organization.” We operate as an independent broker and consultant. All funding decisions are made by third‑party financial institutions (“Lenders”).

No Guarantee. We do not guarantee approvals, amounts, terms, interest rates, timing of funding, or outcomes of any application.

2) Eligibility & Use of the Services

You must be (a) at least the age of majority where you reside, (b) able to form a binding contract, and (c) using the Services for business or personal purposes consistent with these Terms. If you create an account or submit forms, you agree to: (i) provide true, accurate, current, and complete information and (ii) promptly update it if it changes.

3) Relationship With Lenders & Third Parties

We may present options from Lenders and other third parties (collectively, “Partners”). Any terms you accept are solely between you and the Partner. We are not a party to your financing agreement. We may receive compensation from Partners for referrals or funded transactions. Compensation does not affect our obligation to act honestly and transparently.

4) Your Authorizations

By submitting information through our forms or portals, you:

Authorize communications by email, phone, and text (including autodialed, prerecorded, or AI‑assisted messages) related to your inquiry. Message/data rates may apply. You can opt out by emailing [email protected].

Authorize information sharing with Partners to evaluate eligibility and process applications.

If you provide SSN/EIN or similar identifiers, you authorize soft or hard credit inquiries by Partners as required for underwriting. Where we access consumer reports, we will only do so with your permission and for a permissible purpose under the Fair Credit Reporting Act (FCRA).

5) E‑Sign Consent

You consent to transact electronically and to receive disclosures, notices, and documents electronically. You may withdraw consent by contacting [email protected], which may limit your ability to use the Services.

6) Consulting Fees & Payment Terms

Our fees cover consulting time, document review, application packaging, and coordination with Partners. All payments to Rnueva360 are final and non‑refundable (see Refund Policy). Fees charged by Partners (e.g., origination, underwriting, wire, or closing costs) are separate and determined solely by the Partner. We may accept payment via approved methods (e.g., card, ACH, or Zelle to [email protected]), as made available from time to time.

7) Prohibited Conduct

You agree not to: (a) misrepresent identity, financial condition, or ownership; (b) submit false documents; (c) interfere with the Services; (d) copy or resell our materials; or (e) use the Services for unlawful purposes, including money laundering or fraud.

8) Intellectual Property; Limited License

All Site content, templates, and materials are owned by Rnueva360 or its licensors and are protected by U.S. and international laws. We grant you a limited, non‑exclusive, non‑transferable license to access and use the Site for its intended purposes. No implied licenses are granted.

9) Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES (EXPRESS, IMPLIED, OR STATUTORY), INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT. We do not control and are not responsible for third‑party websites or Partner actions.

10) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Rnueva360 AND ITS AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) FEES YOU PAID TO US IN THE 3 MONTHS PRECEDING THE EVENT OR (B) $100.

11) Indemnification

You will defend, indemnify, and hold harmless Rnueva360 and its officers, directors, employees, and agents from any claims, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Services, violation of these Terms, or your agreements with Partners.

12) Dispute Resolution; Class Action Waiver

Mandatory Arbitration. Any dispute will be resolved by binding arbitration administered by the American Arbitration Association (AAA) in Miami‑Dade County, Florida. Class Action Waiver. YOU AGREE TO ARBITRATE DISPUTES ONLY ON AN INDIVIDUAL BASIS; CLASS, COLLECTIVE, OR REPRESENTATIVE ACTIONS ARE NOT PERMITTED. This clause is intended to be enforced to the fullest extent permitted by applicable law.

13) Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict‑of‑law rules.

14) Changes to the Services or Terms

We may modify the Services and these Terms at any time. Material changes will be posted with an updated “Effective Date.” Your continued use after changes means you accept the updated Terms.

15) Notices

We may send notices to you via email or by posting on the Site. You may send notices to us at [email protected] or the mailing address above.

16) No Legal, Tax, or Accounting Advice

Content and consulting are for informational purposes only and are not legal, tax, or accounting advice. Consult your own professional advisors.

17) Severability; Assignment; Entire Agreement

If any provision is unenforceable, the remainder remains in effect. You may not assign these Terms without our consent. These Terms constitute the entire agreement between you and us regarding the Services.

PRIVACY POLICY

1) Scope

This Privacy Policy explains how Rnueva360 collects, uses, shares, and protects information. It applies to our website, forms, and communications related to brokerage and consulting.

2) Information We Collect

Identifiers: name, email, phone, address, SSN/EIN (if provided), IP address.

Business Information: entity data, ownership, bank statements, revenue, processing statements.

Financial Information: submitted for underwriting or analysis.

Usage Data: device/browser, pages visited, timestamps, cookies.

3) How We Use Information

Evaluate eligibility and package applications for Partners.

Communicate about options, updates, and required documentation.

Improve Services, ensure security, and comply with law.

4) Sharing of Information

We share information with:

Partners/Lenders to evaluate applications.

Service Providers (hosting, CRM, e‑signature, analytics) under confidentiality.

Regulators/Law Enforcement as required by law.
We do not sell personal information.

5) FCRA & GLBA Disclosures

Where consumer reports are used, we do so with your consent and only for a permissible purpose under the FCRA. Nonpublic personal information obtained in connection with financial services is safeguarded consistent with the Gramm‑Leach‑Bliley Act (GLBA).

6) Florida Information Protection Act (FIPA)

We maintain reasonable security to protect personal information of Florida residents and comply with breach‑notification obligations under Fla. Stat. §501.171 (FIPA), including timely notice to affected individuals and, when required, the Florida Department of Legal Affairs.

7) Data Security & Retention

We use administrative, technical, and physical safeguards; access controls; and encryption where appropriate. We retain data only as long as needed for the purposes described or as required by law.

8) Your Choices

You may request access, updates, or deletion (subject to legal exceptions) by contacting [email protected]. You may opt out of marketing at any time.

9) Children’s Privacy

Our Services are intended for individuals 16+ and are not directed to children. We do not knowingly collect personal information from children under 16.

REFUND POLICY (SERVICES ONLY)

All fees paid to Rnueva360 are non‑refundable once services commence (intake, review, packaging, or outreach to Partners). Partner fees (e.g., origination or closing costs) are separate and governed by your agreement with the Partner. If a charge was made in error by us, contact [email protected] within 7 days for review.

END USER LICENSE AGREEMENT (EULA)

License

We grant you a limited, revocable, non‑transferable license to access the Site and use our materials for your personal or internal business purposes related to the Services.

Restrictions

Do not copy, modify, distribute, reverse engineer, or create derivative works from our materials without written permission.

Ownership

All content and trademarks are the property of Rnueva360 or its licensors.

CONSENT & ACKNOWLEDGMENT

By submitting any form or using the Services, you acknowledge and agree that:

You have read and agree to these Terms, the Privacy Policy, the Refund Policy, and the EULA.

You consent to electronic communications and e‑signatures.

You authorize us to share your information with Partners for eligibility review and underwriting.

Approvals and funding are not guaranteed.

Payments to Rnueva360 are final and non‑refundable.

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