Terms & Conditions

Effective date: September 15, 2026

1. Agreement to these Terms

These Terms & Conditions ("Terms") are a binding agreement between you and Finance Mastery LLC ("Finance Mastery," "we," "us," "our"). They apply when you access mastery.finance or s.mastery.finance, complete our funding assessment, book an appointment, or communicate with us through the Services. If you do not agree to these Terms, do not use the Services.

2. What Finance Mastery is — and is not

Finance Mastery is a business funding strategy and consulting company. We evaluate the credit and business profile you provide, identify which capital routes that profile may support, and help you sequence and execute applications to third-party financial institutions.

Finance Mastery is not a bank, lender, credit issuer, broker-dealer, investment adviser, or credit reporting agency. We do not provide credit repair services. We do not lend money, extend credit, or issue credit products. Nothing on the Services is an offer or commitment to lend.

3. Eligibility

You must be at least 18 years old and using the Services for business purposes on behalf of a business you own or are authorised to represent. The Services are directed to business owners in the United States.

4. The funding assessment

The funding assessment is an informational tool. By using it, you agree that:

It is preliminary. The result is an internal indication of how your submission appears to us on the facts you supplied. It is not a decision, an offer, a pre-approval, a pre-qualification, or a commitment of any kind.
It is not a lender credit decision. Finance Mastery reviews your profile and relevant underwriting factors, but does not make lender credit decisions. Only a bank, issuer or other financial institution can approve or decline an application, and it will do so under its own underwriting criteria.
Funding is not guaranteed. Whether you obtain capital, and on what amount, rate, fee and term, depends on third-party underwriting, your profile at the time of application, and market and issuer conditions. We do not guarantee approval, an amount, a rate, a timeframe, or any particular outcome.
Accuracy is your responsibility. The assessment relies entirely on the information you enter. Incomplete or inaccurate information produces an unreliable result. You agree that the information you provide is accurate and complete to the best of your knowledge.
Completing it creates no obligation on either side. It does not obligate you to purchase anything, and it does not obligate us to offer you services.
Submitting the assessment does not involve a hard inquiry on your consumer credit report.

5. Appointments

If your submission indicates a strategy conversation is appropriate, you may book an appointment. Appointment times are held for you and our availability is limited, so please cancel or reschedule using the link in your confirmation if you cannot attend. We may send you appointment confirmations and reminders as described in §9. We may decline, cancel or reschedule an appointment at our discretion, including where the information submitted does not support a productive conversation.

6. Services, fees and the client agreement

These Terms do not create a client relationship and do not entitle you to any service. If, after a strategy conversation, both parties wish to proceed, the scope of work, responsibilities, fees, payment terms, refund terms and any performance commitments will be set out in a separate written client agreement. That client agreement governs the engagement and controls over these Terms to the extent of any conflict. No fee is payable for completing the assessment or attending an initial strategy conversation.

7. No professional advice

Public website content is general business information. Finance Mastery may discuss business funding routes, lenders, products and application sequencing based on the profile you provide. This guidance is not legal, tax, accounting or investment advice and does not replace advice from your own qualified advisers. You decide whether to apply for or enter into a financial product. Borrowing money involves cost and risk, including the risk that promotional rates expire and balances then accrue interest at the issuer's standard rate.

8. Third-party institutions

Any capital you obtain comes from third-party financial institutions under their own applications, agreements, disclosures, rates, fees and terms. Finance Mastery is not a party to those agreements, does not control those institutions, and is not responsible for their decisions, products, servicing, or conduct. You are responsible for reading and complying with any agreement you enter into with them, and for repaying any credit you take.

9. Electronic communications and consent

By providing your contact details you consent to receive communications from us electronically, and you agree that electronic communications satisfy any legal requirement that a communication be in writing.

Email. We may email you about your assessment, appointment and enquiry. Marketing emails carry an unsubscribe link and you may opt out at any time.

Text messaging — Finance Mastery messaging program

Program name: Finance Mastery.
How you opt in: by entering your mobile number and separately ticking the applicable consent box on our funding assessment or booking form. Consent boxes are never pre-selected, and you must take affirmative action to opt in. Consent to receive marketing text messages is not a condition of purchasing any goods or services, and you may complete the assessment and book an appointment without consenting to marketing messages.
Messages you may receive if you give non-marketing consent: appointment confirmations; appointment reminders; messages helping you complete a booking you started; messages following up on a missed appointment; and specific follow-up relating to a conversation you have had with us.
Messages you may receive if you give marketing consent: messages about our services, offers and updates.
Message frequency varies.
Message and data rates may apply. Charges are set by your mobile carrier and are your responsibility.
To stop: reply STOP to any message from us. You will receive a single confirmation that you have been unsubscribed, and we will send no further messages to that number unless you opt in again. You may also reply UNSUBSCRIBE, CANCEL, END or QUIT.
For help: reply HELP to any message from us, email [email protected], or call 407-603-6338.
Carriers are not liable for delayed or undelivered messages.
Supported carriers may change and message delivery is not guaranteed.
Privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy at https://mastery.finance/privacy-policy.

10. Acceptable use

You agree not to submit false or misleading information; use the Services to apply for capital you do not intend to use for a legitimate business purpose; attempt to gain unauthorised access to the Services; scrape, copy or republish our content; or use the Services in violation of any law. We may suspend or terminate access at any time.

11. Intellectual property

The Services and their content, including text, design, graphics, the Finance Mastery name and logo, and our frameworks and methodology, are owned by Finance Mastery or its licensors and are protected by intellectual property laws. You may view and print content for your own business use. You may not reproduce, distribute, or create derivative works from it without our written permission.

12. Testimonials and results

Any client experience, case study or testimonial shown on the Services reflects that individual's experience. It is not a promise or guarantee that you will obtain the same or similar results. Results depend on your profile, your business, your execution, and third-party underwriting.

13. Disclaimers

The Services are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Services will be uninterrupted, error-free, or that any particular funding outcome will be achieved.

14. Limitation of liability

To the fullest extent permitted by law, Finance Mastery and its owners, officers, employees and contractors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost business, lost data, or cost of substitute services, arising out of or relating to the Services, however caused. Our total aggregate liability arising out of or relating to these website and pre-engagement Terms will not exceed $1,000. This limitation does not exclude liability that cannot lawfully be excluded, and does not override the separate written client agreement governing a paid engagement.

15. Indemnification

You agree to indemnify and hold harmless Finance Mastery from claims, losses and expenses, including reasonable legal fees, arising out of your misuse of the Services, your breach of these Terms, or information you submitted that was inaccurate or that you were not authorised to provide.

16. Governing law and disputes

These Terms are governed by the laws of Florida, without regard to its conflict-of-laws rules, subject to any mandatory protections of applicable law. These website Terms do not require binding arbitration or waive participation in a class action.

17. Changes to these Terms

We may update these Terms. The effective date above will change, and continued use of the Services after that date constitutes acceptance. Where a change is material we will provide additional notice.

18. Severability and entire agreement

If any provision is held unenforceable, the remainder stays in effect. These Terms, together with our Privacy Policy and, where applicable, your client agreement, constitute the entire agreement between you and Finance Mastery regarding the Services.

19. Contact

Finance Mastery LLC · [email protected] · 407-603-6338 · 111 East Washington Street, Orlando, FL 32801