Terms & Conditions

Welcome to LKN STRATEGIES INC ("Company," "we," "our," or "us"). By accessing or using our website lkn-strategies.com and our services, you agree to be bound by these Terms & Conditions ("Terms"). Please read them carefully.

1. Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use our services.

2. Description of Services

LKN STRATEGIES INC is a direct business lender providing strategic capital solutions, including:

• Strategic Growth Capital
• Asset-Based Lending
• Bridge Financing
• Equipment Financing
• Revenue-Based Financing

All lending services are subject to credit approval, underwriting standards, and applicable laws and regulations.

3. Eligibility

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

4. Application and Credit Review

Submitting an inquiry or application does not guarantee approval or funding. All financing applications are subject to:

• Credit and background checks
• Financial statement review
• Verification of information provided
• Internal underwriting criteria
• Compliance with applicable lending regulations

We reserve the right to approve, deny, or request additional information for any application at our sole discretion.

5. SMS & Text Message Terms & Conditions

6. Accurate Information

You agree to provide accurate, complete, and current information in all applications and communications with us. Providing false or misleading information may result in:

• Denial of your application
• Termination of existing services
• Legal action
• Reporting to credit bureaus or law enforcement

7. Website Use and Restrictions

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Copy, reproduce, or distribute content without permission
• Use automated systems (bots, scrapers) to access the website
• Transmit viruses, malware, or harmful code

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of LKN STRATEGIES INC and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content without our express written permission.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Accessing third-party websites is at your own risk.

10. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or harmful components
• Information provided is accurate or complete

11. Limitation of Liability

To the fullest extent permitted by law, LKN STRATEGIES INC shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to:

• Loss of profits or revenue
• Loss of data
• Business interruption
• Application denials

Our total liability shall not exceed the amount you paid to us in the past 12 months, if any.

12. Indemnification

You agree to indemnify, defend, and hold harmless LKN STRATEGIES INC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• False or misleading information you provide

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in Cook County, Illinois, in accordance with the American Arbitration Association's Commercial Arbitration Rules.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Effective Date." Your continued use of our services after any changes constitutes acceptance of the updated Terms.

15. Termination

We may terminate or suspend your access to our website and services at any time, without prior notice, for any reason, including if you breach these Terms. Upon termination, all provisions of these Terms that by their nature should survive shall remain in effect.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and LKN STRATEGIES INC regarding your use of our website and services, and supersede any prior agreements or understandings.

18. Contact Us

If you have questions or concerns about these Terms & Conditions, please contact us:

19. Equal Credit Opportunity

LKN STRATEGIES INC is an equal opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected class in our lending practices.

20. State Licensing

LKN STRATEGIES INC operates in compliance with all applicable federal and state lending regulations. Licensing and regulatory information is available upon request.