Truviax Terms of Use

Effective Date: July 1, 2025
Last Updated: July 20, 2025

1. Introduction

Welcome to Truviax, a platform designed to support business owners and individuals in completing loan and financial application processes. This website and our related services (collectively, the "Services") are owned and operated by Truviax LLC ("Truviax," "we," "our," or "us"). By accessing or using our Services, you agree to these Terms of Use ("Terms"). If you do not agree, please do not use our Services.

These Terms incorporate our Privacy Policy and any other policies referenced herein.

2. Description of Services

Truviax is not a lender or broker. We offer:

AI-powered intake tools

Step-by-step application guidance

Secure document management

Educational resources for credit and funding readiness

Connections to independent third-party lenders, funding platforms, and credit reporting tools

All final financing decisions are made by third-party providers.

3. Eligibility

To use our Services, you must:

Be 18 years of age or older

Be a U.S. resident

Be applying on behalf of yourself or a legally formed business

Provide accurate and truthful information throughout the process

4. Use of the Site and Services

You agree to:

Use the Services solely for lawful, business-related purposes

Maintain the confidentiality of your account credentials

Not share your account or access with unauthorized parties

5. Third-Party Relationships

Truviax works with outside providers including SmartCredit and funding partners. If you choose to engage with any third-party service (e.g., pulling credit, submitting to a lender), you do so at your own discretion. Truviax is not responsible for the outcome of those interactions.

6. No Guarantees

We do not guarantee:

Loan approval

Specific funding terms

Credit improvement or dispute resolution outcomes

Our role is strictly consultative and organizational in nature.

7. Fees and Compensation

Some of our Services are free. Others may require payment to third-party vendors (e.g., SmartCredit for consumer credit access). In some cases, Truviax may receive compensation from lenders or partners when you are approved for services. These commissions do not affect your cost of borrowing.

8. Intellectual Property

All website content, branding, and service tools are owned by Truviax or our licensors. You may not reproduce, reuse, or distribute any part of our platform without written consent.

9. Privacy and Security

Please review our Privacy Policy for information on how we collect, use, and protect your data. We take commercially reasonable steps to safeguard your information.

10. Limitation of Liability

To the fullest extent permitted by law, Truviax shall not be liable for indirect, incidental, or consequential damages arising from use of our Services. This includes, but is not limited to, lost funding opportunities, data errors, or reliance on third-party tools.

11. Modifications to Terms

We may update these Terms from time to time. Continued use of the Services after changes constitutes acceptance. The effective date will always be posted at the top of this page.

12. Dispute Resolution and Governing Law

Any disputes shall be governed by the laws of the State of [Insert State], without regard to conflict of laws. Binding arbitration may apply in certain cases. Class actions are waived.

13. Contact Us

For questions or concerns:

Email: [email protected]

Website: www.truviax.com

Thank you for choosing Truviax.