Terms & Conditions

Effective Date: January 1, 2025  |  Last Updated: January 1, 2025  |  Metzger Financial Services  |  1337 N Cable Rd, Lima, OH 45805

These Terms and Conditions ("Terms") govern your use of the website located at themetzgerfinancialservices.com (the "Site") and your interactions with Metzger Financial Services ("Company," "we," "us," or "our"). By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use this Site.

1. Acceptance of Terms

By using this website, submitting an inquiry form, or otherwise interacting with Metzger Financial Services, you represent that you are at least 18 years of age, have the legal capacity to enter into binding agreements, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Services

Metzger Financial Services operates as a direct business lender offering business funding products including, but not limited to, working capital loans, revenue-based financing, equipment financing, business lines of credit, and business expansion loans. All loan products are subject to credit approval, underwriting review, and applicable state and federal regulations.

Nothing on this website constitutes a commitment or offer to lend. Submission of a contact form or inquiry does not guarantee approval or the availability of any specific funding product. All approvals are at the sole discretion of Metzger Financial Services.

3. Permitted Use of This Website

You agree to use this website only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Use the site in any way that violates applicable federal, state, or local laws or regulations
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the website or its related systems
• Introduce viruses, malware, or other harmful code into the website
• Use automated tools to scrape, harvest, or collect data from the website without written permission
• Impersonate any person or entity or misrepresent your affiliation with any entity

4. SMS Terms & Conditions

4.1 SMS Program Description

By opting in to the Metzger Financial Services SMS program, you consent to receive recurring marketing and promotional SMS/MMS messages from Metzger Financial Services. These messages may include offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

4.2 Message Frequency & Costs

• Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
• Message and Data Rates: Message and data rates may apply. Standard messaging rates from your mobile carrier will apply to all SMS/MMS messages sent and received.
• Supported Carriers: AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, U.S. Cellular, and other major U.S. carriers. Carrier support may vary; we are not responsible for delays or failures caused by your carrier.

4.3 Opt-Out Instructions

You may opt out of the Metzger Financial Services SMS program at any time by replying STOP to any SMS message you receive from us. Upon receipt of your STOP request, you will receive one final confirmation message confirming that you have been removed from our SMS list, and you will receive no further SMS messages from us. You may also contact us at matthew@themetzgerfinancialservices.com to request removal.

4.4 Help & Support

For help with the SMS program, reply HELP to any message or contact us at matthew@themetzgerfinancialservices.com. We will respond to support requests within one business day.

4.5 No Purchase Required

Consent is NOT a condition of purchase. You are not required to consent to receive SMS messages to inquire about, apply for, or receive our business funding services.

4.6 Privacy of SMS Data

Your SMS opt-in information, including your mobile number and consent status, is maintained confidentially and is not shared with third parties for marketing or promotional purposes. For complete details, see our Privacy Policy.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Metzger Financial Services or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without our prior written consent.

6. Disclaimers & Limitation of Liability

THE INFORMATION ON THIS WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. METZGER FINANCIAL SERVICES DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY LAW, METZGER FINANCIAL SERVICES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE OR OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Nothing on this website constitutes financial, legal, or investment advice. You should consult with qualified professionals before making any financial decisions.

7. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

8. Third-Party Links

This website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Allen County, Ohio.

10. Modifications to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. The "Last Updated" date at the top of this page will reflect the most recent revision. Your continued use of this website following any changes constitutes your acceptance of the revised Terms.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.

12. Contact Information