Terms of Service

Note: This is a starter terms-of-service document for HelmPoint Advisory. Have it reviewed by counsel before going live, especially the broker disclosures, SBA Form 159 fee disclosure obligations, and state-specific commercial lending license requirements.

1. Acceptance of Terms

By accessing or using the services provided by HelmPoint Advisory ("Company", "we", "us", or "our"), including our website, client portal, or related services (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Services.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use our Services. By using the Services, you represent and warrant that you meet these eligibility requirements.

3. Description of Services

HelmPoint Advisory is a commercial SBA loan advisory. We help business borrowers prepare, package, and submit applications for SBA 504, SBA 7(a), and conventional commercial loans to participating lenders. We are not a direct lender. We do not make credit decisions or commit funds. All loan terms, eligibility determinations, and approvals are made solely by the participating lender(s) and, where applicable, the U.S. Small Business Administration. All financing is subject to credit approval and underwriting.

4. Client Responsibilities

Clients must provide accurate, complete, and current information, including all required financial documents. You are responsible for the accuracy of every statement and document submitted. You are responsible for maintaining the confidentiality of your login credentials and any activity conducted through your account.

5. Fees and Compensation

For most SBA loans, HelmPoint Advisory is compensated by the funding lender via a referral or packaging fee paid at closing. This compensation is disclosed in writing on SBA Form 159 (Fee Disclosure and Compensation Agreement), which every borrower must sign as part of an SBA closing. You will not be charged for initial consultations, pre-qualification, or matching the deal to lenders. For complex deals (very large files, unusual structures, declined-elsewhere workouts) we may discuss an engagement fee upfront — and we will always disclose any such fee in writing before you incur it.

6. No Guarantee of Approval

Submission of an application through HelmPoint Advisory does not guarantee loan approval, specific loan terms, or funding within a specific timeframe. All credit decisions rest with the lender. We do not warrant any particular outcome.

7. Consent to Electronic Communications

By using the Services, you consent to receive electronic communications from us, including service updates, legal notices, and client-related correspondence. You may opt out of marketing communications but not essential service notices.

8. Intellectual Property

All content, software, and materials provided through the Services are the intellectual property of HelmPoint Advisory or its licensors. You may not copy, modify, distribute, or create derivative works without express written permission.

9. Confidentiality and Data Use

We maintain strict confidentiality of client data and comply with applicable financial-services regulations, including the Gramm-Leach-Bliley Act (GLBA). We do not disclose your nonpublic personal financial information except as needed to evaluate, package, and close your loan, or as required by law. See our Privacy Policy for full details.

10. Limitations of Liability

To the fullest extent permitted by law, HelmPoint Advisory shall not be liable for any indirect, incidental, special, or consequential damages, or loss of profits, arising from or related to your use of the Services or any decision by a lender or the SBA.

11. Indemnification

You agree to indemnify, defend, and hold harmless HelmPoint Advisory and its officers, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising out of your use of the Services, your violation of these Terms, your provision of inaccurate or fraudulent information in connection with a loan application, or your violation of any rights of a third party.

12. Termination

We reserve the right to suspend or terminate your access to the Services at our discretion, with or without notice, for any violation of these Terms or for any conduct that we believe is harmful to other users, us, or third parties.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the state in which HelmPoint Advisory is headquartered, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved through binding arbitration in that jurisdiction.

14. Changes to Terms

We may modify these Terms at any time. Changes will be posted on our website with a new effective date. Continued use of the Services after changes constitutes your acceptance of the updated Terms.

15. Contact Information

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

HelmPoint Advisory
Email: hello@helmpointadvisory.com
Phone: 360-820-0955