Terms & Conditions

01What we do

MCA Resolution Advisory helps business owners facing merchant cash advance (MCA) and other commercial debt pressure take a clear first step. We review the information you share, assess your situation and place your case with an independent resolution team that is suited to assist you. That team can then explain its services, eligibility requirements, fees, risks and terms directly to you.

We do not lend money, provide legal representation, collect debts, negotiate or settle debts on your behalf, or provide credit repair, tax or accounting services.

02Who may use the service

The service is intended for owners and authorized representatives of businesses operating in the United States who are at least 18 years old. By submitting an assessment you confirm that you are authorized to share information about the business, that the information is accurate to the best of your knowledge, and that the phone number and email you provide belong to you or that you are authorized to use them.

Our service concerns commercial (business) obligations. It is not designed for personal, family or household debts.

03No fee to business owners

Our case assessment is free, and we never charge business owners a fee. Resolution teams are independent companies that may compensate us for cases they receive or enroll. Their compensation to us does not increase what you pay. If you decide to work with a resolution team, it will disclose its own fees and terms to you in writing before you enroll.

04No guarantee of results

Every business and every agreement is different. Submitting an assessment or speaking with a resolution team does not guarantee:

• that a resolution team will accept your case;
• any payment reduction, settlement, restructuring or other outcome;
• that any funder or creditor will agree to modify its terms;
• that collection activity, withdrawals, defaults or legal proceedings will stop; or
• any particular savings, timeline or effect on your business.

Changing an arrangement can carry risks, including a longer repayment period, a higher total cost, fees, and possible tax consequences. You should review any proposal carefully and consider independent legal and tax advice.

05Resolution teams are independent

Resolution teams are separate businesses, not our employees or agents. They are solely responsible for their services, advice, agreements, fees, licensing and compliance with applicable law, and for how they handle your information under their own privacy policies. We do not control and are not responsible for their acts or omissions. Your decision to work with any resolution team is entirely yours, and you may stop the process at any time before signing an agreement with them.

06Communications

By submitting the assessment with the contact-permission box ticked, you agree to receive calls, text messages and emails from us about your inquiry and with marketing and promotional messages, as described in our Privacy Policy. Consent is not a condition of purchase. Message and data rates may apply; message frequency varies. Reply STOP to opt out of texts or HELP for help. You can withdraw consent at any time by any reasonable means.

07Calculators, illustrations and content

Calculators, examples, diagrams and other illustrations on this website are simplified illustrations for general understanding only. They are not offers, quotes, predictions or typical results, and they do not analyze your agreements. Website content is general information that may not reflect the latest legal or market developments and should not be relied on as legal, tax, accounting or financial advice. See our Disclaimer for more detail.

08Acceptable use

When using the website you agree not to:

• submit false, misleading or someone else’s information without authorization;
• use the website for any unlawful, fraudulent or harmful purpose;
• attempt to gain unauthorized access to, interfere with or disrupt the website or its security;
• use bots, scrapers or automated means to access or submit forms on the website; or
• copy, resell or commercially exploit the website or its content without our written permission.

09Intellectual property

The website, including its text, design, graphics, logos and code, is owned by or licensed to MCA Resolution Advisory and protected by intellectual property laws. You may view and print pages for your own business use. Any other use requires our written permission. Third-party marks and licensed images remain the property of their owners.

10Third-party links

The website may link to third-party websites, including resolution teams, government agencies and educational resources. These links are provided for convenience; we do not control or endorse their content, and your use of them is at your own risk and subject to their terms.

11Disclaimer of warranties

THE WEBSITE AND OUR SERVICE ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. We do not warrant that the website will be uninterrupted, error-free or free of harmful components.

12Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MCA RESOLUTION ADVISORY AND ITS OWNERS, EMPLOYEES AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA OR GOODWILL, ARISING FROM YOUR USE OF THE WEBSITE, OUR SERVICE, OR ANY SERVICES PROVIDED BY A RESOLUTION TEAM. BECAUSE OUR ASSESSMENT IS FREE, OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE WEBSITE OR OUR SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow certain limitations, so some of these limits may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

13Indemnity

You agree to indemnify and hold harmless MCA Resolution Advisory from claims, losses and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms, your misuse of the website, or information you submit that you were not authorized to share.

14Governing law

These Terms are governed by the laws of the state in which MCA Resolution Advisory is organized and applicable U.S. federal law, without regard to conflict-of-law rules. Any dispute that cannot be resolved informally will be brought in the state or federal courts located in that state, and you and we consent to their jurisdiction. Before filing any claim, please contact us so we can try to resolve the issue informally.

15Changes and general terms

We may update these Terms from time to time by posting a new version on this page with a new “Last updated” date. Changes apply from that date; continuing to use the website means you accept them. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. These Terms, together with our Privacy Policy and Disclaimer, are the entire agreement between you and us about the website and our free assessment.

16Contact us

Questions about these Terms: