Last Updated: February 19, 2026
Welcome to Money Tree Merchant Services. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.
Acceptance of Terms
By accessing our website or applying for our lending 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, please do not use our services.
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 requirements.
Services Provided
Money Tree Merchant Services provides direct lending services, including but not limited to:
- Business loans and financing
- Personal loans
- Merchant cash advances
- Related financial services
All lending decisions are made at our sole discretion based on our underwriting criteria and applicable laws.
Application and Approval Process
Submitting a loan application does not guarantee approval. We reserve the right to:
- Request additional information or documentation
- Approve, deny, or modify any application
- Determine loan amounts, interest rates, and repayment terms
- Refuse service for any lawful reason
SMS Terms & Conditions
By providing your mobile phone number and opting in, you agree to receive SMS text messages from Money Tree Merchant Services, including messages sent using an automatic telephone dialing system, for customer care, informational, account-related, and promotional or marketing purposes. Message frequency may vary based on your interactions with us. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at james@money-tree-merchant-services.com. Consent to receive SMS messages is not required as a condition of purchase. We reserve the right to modify or discontinue SMS messaging at any time.
Loan Terms and Conditions
Specific terms for approved loans will be detailed in a separate loan agreement, which may include:
- Principal amount
- Interest rate and APR
- Repayment schedule
- Fees and charges
- Prepayment and late payment terms
- Default and remedies
You must review and accept the loan agreement before funds are disbursed.
Fees and Charges
Applicable fees, including origination fees, late payment fees, and other charges, will be clearly disclosed in your loan agreement. You agree to pay all fees associated with your loan as specified.
Repayment
You agree to repay the loan according to the terms specified in your loan agreement. Failure to make timely payments may result in:
- Late fees
- Negative impact on your credit score
- Collection activities
- Legal action
Information Accuracy
You agree to provide accurate, current, and complete information in your application and communications with us. Providing false or misleading information may result in denial of your application or termination of services.
Privacy and Data Use
Your use of our services is also governed by our Privacy Policy. We collect and use your information as described in the Privacy Policy, including for credit checks and underwriting purposes.
Credit Reporting
We may report your loan and payment information to credit bureaus. Late or missed payments may negatively affect your credit score.
Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Money Tree Merchant Services or its licensors and is protected by copyright and other intellectual property laws.
Website Use
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 our website
- Transmit viruses or malicious code
- Harvest or collect information about users
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 our services will be uninterrupted, error-free, or secure.
Limitation of Liability
To the fullest extent permitted by law, Money Tree Merchant Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.
Indemnification
You agree to indemnify and hold harmless Money Tree Merchant Services and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services or violation of these Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions.
Dispute Resolution
Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
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 and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and any loan agreement, constitute the entire agreement between you and Money Tree Merchant Services regarding your use of our services.
Contact Information
If you have questions about these Terms, please contact us at:
Money Tree Merchant Services
1416 Mary Drive
Indianapolis, IN 46241
Email: james@money-tree-merchant-services.com