• LEGAL GOVERNANCE & BROKERAGE AGREEMENT •

Terms of Service

Effective Date: January 1, 2026 | Jurisdiction: State of California
Operating Entity: Limitless Funding LLC | Registration: Active Commercial Advisory Entity • State of California
5701 Truxtun Ave., Suite 220, Bakersfield, CA 93309 | Direct: +1 (661) 829-3600

SECTION 01

1. Agreement to Terms & Scope of Engagement

These Terms of Service constitute a binding legal agreement between the client ("Client", "you") and Limitless Funding LLC ("Company", "we", "us"). By accessing our platform, scheduling a strategic session, submitting an expedited intake, or retaining our advisory services, you acknowledge that you have read, understood, and agreed to be legally bound by these terms.

SECTION 02

2. Commercial Advisory Scope & Non-Lender Status

Limitless Funding LLC operates strictly as an independent commercial advisory, business consulting, and credit optimization firm. Our engagements are defined across four core practice disciplines:

• Credit Repair Consulting: Investigation and formal disputing of inaccurate, obsolete, or unverifiable credit report data conducted in strict conformity with the Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.).
• Personal Funding Consulting: Strategic structuring and profile positioning for personal lines of credit and unsecured liquidity facilities.
• Business Funding Consulting: Corporate credit architecture, EIN-only vendor tier structuring, and institutional capital packaging.
• Debt-to-Income (DTI) Ratio Consulting: Strategic balance-sheet realignment, debt payoff sequencing, and capital efficiency advisory.

Non-Lender & Broker Disclosure:
Limitless Funding LLC is NOT a bank, direct lender, FDIC-insured depository institution, or loan originator. We do not issue loans, extend credit directly, or guarantee underwriting approvals, specific interest rates, or credit score improvements. All capital facilities are placed with and underwritten by independent institutional third-party lenders.

SECTION 03

3. Documentation Integrity & Federal Compliance

Clients represent and warrant that all information, credit reports, bureau credentials, financial statements, and business documentation provided to Limitless Funding LLC are authentic, accurate, and complete. Submitting altered or falsified documentation is strictly prohibited and constitutes a federal offense under 18 U.S.C. § 1014. Limitless Funding LLC reserves the right to immediately terminate any engagement without refund upon discovering fraudulent submissions.

SECTION 04

4. Non-Fiduciary Educational & Strategy Notice

Informational content provided via this platform, the Limitless Concierge assistant, or direct consultations constitutes commercial strategic guidance and does not represent legal, certified tax, or statutory investment advice. Clients are encouraged to consult independent legal or accounting counsel regarding specific tax liabilities or corporate formations.

SECTION 05

5. Limitation of Liability & Remedy Cap

To the maximum extent permitted by California law, Limitless Funding LLC, its managing partners, agents, and affiliates shall not be liable for indirect, incidental, consequential, punitive, or reliance damages arising from lender underwriting rejections, bureau scoring algorithmic shifts, or third-party capital decisions. Our aggregate liability under any engagement shall not exceed the actual fees paid by the client to Limitless Funding LLC for the specific advisory service.

SECTION 06

6. Mandatory Arbitration & Kern County Jurisdiction

Any dispute, controversy, or claim arising out of or relating to these terms or our advisory services shall be resolved through binding individual arbitration administered in Kern County, California (Bakersfield) pursuant to the Commercial Arbitration Rules of the American Arbitration Association. The parties expressly waive any right to participate in class actions, representative arbitrations, or consolidated proceedings.