Terms and Conditions

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The Confident Broker, LLC Effective Date: January 1, 2026 Last Updated: May 1, 2026 ​

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Introduction

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These Terms and Conditions ("Terms") govern your use of the website located at theconfidentbroker.com (the "Site") and your engagement with the services offered by The Confident Broker, LLC ("The Confident Broker," "we," "us," or "our"), a commercial finance brokerage based in Brevard County, Florida.

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Please read these Terms carefully before using our Site or submitting any application or inquiry. By accessing our Site, submitting a funding application, or otherwise engaging with our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site or services.

These Terms should be read alongside our Privacy Policy, which is incorporated herein by reference and governs how we collect, use, and protect your personal and financial information.

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1. About The Confident Broker

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The Confident Broker, LLC is a commercial finance brokerage. We connect small business owners with funding options through our network of lender and bank partners. We are not a bank, credit union, or direct lender. We do not make credit decisions, extend credit, or guarantee the availability of any funding product to any applicant.

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Our role is to evaluate your business information, identify appropriate funding programs, and submit your application to lenders and funding partners on your behalf. All final credit decisions are made solely by the lender or funding partner, not by The Confident Broker.

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2. Eligibility

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By using our Site or submitting an application, you represent and warrant that:

• You are at least 18 years of age.

• You are a business owner, officer, or authorized representative of the business for which you are seeking funding.

• The business for which you are applying is a legally operating entity in good standing.

• All information you provide to us is true, accurate, and complete to the best of your knowledge.

• You have the authority to authorize the credit inquiries and data sharing described in our application authorization language and Privacy Policy.

We reserve the right to decline to process any application or inquiry at our sole discretion.

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3. Our Services

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The Confident Broker provides the following services through our Site and direct client engagement:

• Commercial finance brokerage services connecting small businesses with funding programs including but not limited to business lines of credit, term loans, equipment financing, revenue-based advances, SBA programs, invoice factoring, commercial real estate loans, and related products.

• Funding consultation and program education to help business owners understand their options.

• Business resource content including blog posts, guides, program information, and community connection through affiliated platforms such as Grow Brevard.

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Our services are provided at no upfront cost to applicants. Our compensation, when applicable, is paid by lender and funding partners as a standard industry brokerage fee upon successful funding. Any applicable fees will be disclosed to you prior to the submission of your application to any funding partner.

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4. No Guarantee of Funding

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Nothing on our Site, in our marketing materials, in our blog content, or in any communication from The Confident Broker constitutes a guarantee, promise, or representation that your application will be approved or that funding will be made available to you.

Approval decisions are made entirely by the lender or funding partner to whom your application is submitted. Approval is subject to each lender's underwriting criteria, which may include but is not limited to credit score, time in business, monthly revenue, industry type, geographic location, and existing debt obligations.

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The Confident Broker makes no warranties, express or implied, regarding the availability, terms, rates, or conditions of any funding product.

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5. Application Submission and Authorization

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By submitting a funding application through our Site or directly to The Confident Broker, you:

• Authorize The Confident Broker, LLC to obtain soft and hard credit inquiries as described in the application authorization language.

• Authorize The Confident Broker to share your application and supporting financial information with its network of lender and bank partners for the purpose of evaluating and funding your application.

• Certify that all information provided is true, accurate, and complete.

• Agree to notify The Confident Broker promptly of any changes to the information provided.

• Acknowledge that submission of an application does not guarantee approval or the availability of any specific funding product.

The specific terms governing your authorization are set forth in the application agreement you sign as part of the application process. Those terms govern the use of your financial information and are incorporated into these Terms by reference.

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6. Accuracy of Information

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The content on our Site, including program descriptions, funding amounts, term lengths, rates, approval criteria, and industry information, is provided for general informational purposes only. While we make reasonable efforts to ensure the accuracy of this information, funding program terms are subject to change by lenders and funding partners at any time without notice.

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You should not rely solely on information found on our Site to make business or financial decisions. We strongly encourage you to consult with a qualified financial advisor, accountant, or attorney before entering into any financing agreement.

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7. Intellectual Property

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All content on our Site, including but not limited to text, graphics, logos, images, blog posts, product descriptions, and the overall design and layout of the Site, is the property of The Confident Broker, LLC or its content licensors and is protected by applicable copyright, trademark, and intellectual property laws.

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You may not copy, reproduce, distribute, republish, display, post, or transmit any content from our Site without our prior written permission. You may share links to our Site content for personal or non-commercial purposes provided that you attribute the content to The Confident Broker, LLC.

Nothing in these Terms grants you any license or right to use any trademark, logo, or brand name of The Confident Broker, LLC without our express written consent.

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8. User Conduct

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By using our Site, you agree not to:

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• Submit false, misleading, or fraudulent information in any application or inquiry.

• Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation.

• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site.

• Use any automated means, bots, scrapers, or similar tools to access, collect, or copy content from our Site.

• Interfere with or disrupt the operation of our Site or the servers or networks used to make the Site available.

• Post, transmit, or otherwise make available any content that is unlawful, harmful, defamatory, or violates the rights of any third party.

• Impersonate The Confident Broker, LLC, any of its employees or representatives, or any other person or entity.

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We reserve the right to terminate your access to our Site at any time for any violation of these Terms.

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9. Third-Party Links and Resources

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Our Site may contain links to third-party websites, platforms, and resources including lender websites, government resources, business tools, and community platforms such as the Grow Brevard Facebook group. These links are provided for your convenience and informational purposes only.

The Confident Broker does not control, endorse, or assume any responsibility for the content, privacy practices, or terms of any third-party website. Your use of any third-party website is governed by that site's own terms and policies. We encourage you to review the terms and privacy policies of any third-party sites you visit.

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10. Communications

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By providing your contact information through our Site or application, you consent to receive communications from The Confident Broker, LLC via email, text message, phone call, and other channels in connection with your inquiry or application. For full details on your communications rights and opt-out options, please refer to Section 6 of our Privacy Policy.

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We comply with the CAN-SPAM Act for email communications and the Telephone Consumer Protection Act (TCPA) for text message and phone communications. You may opt out of non-essential communications at any time by contacting us directly or by using the opt-out mechanisms provided in each communication.

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11. Disclaimer of Warranties

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Our Site and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, The Confident Broker, LLC disclaims all warranties including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose.

• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

• Warranties regarding the accuracy, reliability, or completeness of any content on the Site.

• Warranties that any application submitted through the Site will result in approval or funding.

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Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you in full.

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12. Limitation of Liability

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To the fullest extent permitted by applicable law, The Confident Broker, LLC and its members, managers, employees, agents, and representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or services, including but not limited to:

• Loss of revenue, profits, or business opportunities resulting from a denied funding application.

• Any inaccuracy or incompleteness in content published on the Site.

• Unauthorized access to or use of your personal or financial information by third parties despite our security measures.

• Any interruption or unavailability of the Site.

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Our total liability to you for any claim arising under these Terms shall not exceed the total amount of fees, if any, paid by you to The Confident Broker in the twelve months preceding the claim.

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13. Indemnification

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You agree to indemnify, defend, and hold harmless The Confident Broker, LLC and its members, managers, employees, agents, and representatives from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our Site or services.

• Your submission of false, inaccurate, or fraudulent information in any application or inquiry.

• Your violation of these Terms.

• Your violation of any applicable law or regulation.

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14. Governing Law and Dispute Resolution

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These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or your use of our Site or services shall be resolved first through good-faith negotiation between the parties. If the parties are unable to resolve the dispute through negotiation within thirty (30) days, the dispute shall be submitted to binding arbitration in Brevard County, Florida, in accordance with the rules of the American Arbitration Association. The decision of the arbitrator shall be final and binding on both parties.

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You agree that any claim or dispute must be brought in your individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.

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Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction for matters involving intellectual property rights or imminent harm.

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15. Privacy

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Your use of our Site and services is also governed by our Privacy Policy, available at theconfidentbroker.com/privacy-policy. Our Privacy Policy is incorporated into these Terms by reference. By using our Site or services, you acknowledge that you have read and understood our Privacy Policy.

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16. Modification of Terms

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We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. We may also notify you of material changes by posting a notice on our Site or sending you an email.

Your continued use of our Site or services following any modification constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you should stop using our Site and services.

 

17. Severability

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If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be modified, it shall be severed from these Terms. The remaining provisions of these Terms shall continue in full force and effect.

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18. Entire Agreement

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These Terms, together with our Privacy Policy and any application agreement or authorization you have signed, constitute the entire agreement between you and The Confident Broker, LLC with respect to your use of our Site and services. They supersede all prior and contemporaneous agreements, representations, and understandings between the parties regarding the subject matter herein.

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19. Contact Us

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If you have any questions about these Terms and Conditions, please contact us:

The Confident Broker, LLC

admin@theconfidentbroker.com

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We will respond to all inquiries within a reasonable timeframe.

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