Agreement Between User and BJ Lending USA

Welcome to (the “Site”), operated by BJ Lending USA (“BJ Lending USA,” “we,” “our,” or “us”). Your access to and use of the Site is conditioned upon your acceptance of these Terms and Conditions (the “Terms”). By accessing or using this Site, you agree to be bound by these Terms, including our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Site.

1. Description of Services

BJ Lending USA is a global financial services platform offering end-to-end financial solutions, including but not limited to: personal loans, home purchases, commercial and investment opportunities, business planning, merchant processing, and consulting services. Through our affiliated entities, we aim to provide comprehensive, lifelong financial consulting and support to clients across all stages of their financial journeys.

2. Privacy

Your use of the Site is subject to our Privacy Policy, which outlines our data collection, use, and disclosure practices. By using the Site, you consent to all actions taken by us with respect to your information in compliance with our Privacy Policy.

3. Electronic Communications

By visiting the Site or sending emails to us, you are engaging in electronic communications. You consent to receive communications from us electronically, and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

4. Collection and Use of Credit Card Information

By submitting your credit card or debit card information to BJ Lending USA, you expressly:

Authorize BJ Lending USA and its third-party service providers to collect, store (as applicable), and process your payment details; Authorize us to charge your card for agreed-upon fees, including service fees, application processing fees, or other charges related to our services.

Security and Compliance

BJ Lending USA does not store full card numbers or CVV codes on its servers. All payment processing is conducted via PCI-DSS-compliant third-party payment processors, such as Stripe, Square, or others, who employ encryption and tokenization to ensure the safety of your data.

BJ Lending USA will take reasonable steps to safeguard your payment information. However, you acknowledge and agree that no system is completely secure, and we disclaim all liability for unauthorized access to your information that occurs outside our reasonable control.

Disputes and Chargebacks

If you believe a charge has been made in error, please contact us at [email protected] within 7 days of the transaction. You agree not to initiate any chargebacks without first attempting to resolve the issue directly with us.

5. Children’s Privacy

We do not knowingly collect personal information from individuals under the age of 13. If you are under 18, you may use the Site only with the involvement and consent of a parent or legal guardian.

6. Links to Third-Party Sites

The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or opinions expressed in such sites. Inclusion of any linked site does not imply approval or endorsement by BJ Lending USA. You access such sites at your own risk.

7. Permitted Use and Intellectual Property

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Site strictly in accordance with these Terms. All content on the Site—including text, images, logos, graphics, software, and other materials—is the property of BJ Lending USA or its licensors and is protected by intellectual property laws. You may not use, reproduce, modify, distribute, or exploit any content without prior written consent.

8. International Access

BJ Lending USA operates from within the United States. If you access the Site from outside the U.S., you are responsible for compliance with your local laws and regulations.

9. Indemnification

You agree to indemnify and hold harmless BJ Lending USA and its affiliates, officers, employees, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising from your use of the Site or any breach of these Terms.

10. Arbitration Agreement

Any disputes arising from these Terms shall be resolved through final and binding arbitration, conducted under the rules of the American Arbitration Association in accordance with the Federal Arbitration Act. The arbitration shall be held in a location mutually agreed upon. Judgment on the award may be entered in any court having jurisdiction. Each party shall bear its own costs unless the arbitrator determines otherwise.

11. Class Action Waiver

All claims must be brought in the parties' individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. You agree that you may bring claims only on your own behalf.

12. Disclaimer of Warranties and Limitation of Liability

The Site and all content, products, and services provided through it are provided “as is” and “as available” without any warranties of any kind. BJ Lending USA disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by law, BJ Lending USA shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site.

13. Termination

BJ Lending USA reserves the right to terminate your access to the Site at any time, without notice, for any reason, including but not limited to violation of these Terms.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. You consent to the exclusive jurisdiction and venue of the courts in New York for any disputes arising out of these Terms that are not subject to arbitration.

15. Modifications to Terms

BJ Lending USA reserves the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are made constitutes your acceptance of the revised Terms.

Contact Information

If you have any questions about these Terms, please contact us at:

BJ Lending USA

Email: [email protected]

Phone: (855) 955-5066

Website: https://bjlendingbigmoney.com