Arcadia Financial Services — arcadiafinancialservices.com
Effective Date: January 1, 2024 | Last Updated: January 1, 2024
Please read these Terms and Conditions ("Terms," "Agreement") carefully before using the website located at arcadiafinancialservices.com (the "Site") operated by Arcadia Financial Services ("Arcadia," "we," "us," or "our"). By accessing or using our Site or services, you agree to be bound by these Terms. If you do not agree to all of these Terms, you may not use our Site or services.
By accessing or using the Site, submitting a contact form, requesting a consultation, enrolling in SMS communications, or otherwise engaging with Arcadia Financial Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
These Terms apply to all visitors, users, and others who access or use our Site. If you are using the Site on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.
You must be at least 18 years of age to use our Site or services. By using our Site, you represent and warrant that you are at least 18 years of age.
Arcadia Financial Services is a financial services advisory and brokerage firm that assists businesses and individuals in identifying, evaluating, and accessing financing solutions, including but not limited to:
Arcadia acts as an intermediary between clients and lenders. We do not directly fund loans. All financing is subject to credit approval, underwriting standards, and the terms and conditions of the applicable lender.
Submission of an inquiry or application through our website does not constitute a commitment by any lender to provide financing, nor does it create an obligation on the part of Arcadia Financial Services to secure financing on your behalf.
⚠️ Important: Arcadia Financial Services does not offer payday loans, merchant cash advances (MCA), short-term high-interest loans, debt consolidation services, credit repair services, or any product that could be classified as predatory lending. All products offered are legitimate business financing solutions.
Arcadia Financial Services operates an SMS marketing and communications program. By opting in through our website contact form, you agree to receive recurring marketing and promotional SMS/MMS messages from Arcadia Financial Services, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
You may opt in to our SMS program by checking the designated consent checkbox on our contact form. Opt-in constitutes your express written consent to receive automated text messages from Arcadia Financial Services at the mobile number you provide.
Message frequency varies. You may receive up to 4 messages per month. We reserve the right to modify message frequency with notice to enrolled participants.
Message and data rates may apply. You are responsible for any fees charged by your mobile carrier for sending or receiving text messages. Check with your carrier for details about your plan.
You may opt out of our SMS program at any time by replying STOP to any text message you receive from us. After receiving your STOP message, we will send you a final confirmation message and you will be removed from our SMS list. No further text messages will be sent to you unless you re-enroll.
For assistance, reply HELP to any text message or contact us at christopher@arcadiafinancialservices.com.
Consent to receive SMS messages is NOT a condition of purchase, application, or receipt of any services from Arcadia Financial Services. You may receive our full range of services and submit financing applications regardless of whether you opt in to SMS communications.
SMS messaging is available through major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carrier support may vary; Arcadia Financial Services is not responsible for delayed or undelivered messages due to carrier issues.
By opting in to our SMS program, you acknowledge and consent to the use of an automated telephone dialing system (ATDS) to send marketing and informational text messages to the mobile number you provided. You represent that you are the account holder or have the permission of the account holder to receive such messages.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal or business use in connection with our services. This license does not include:
All content on this Site, including but not limited to text, graphics, logos, images, button icons, and software, is the property of Arcadia Financial Services or its content suppliers and is protected by applicable intellectual property laws. Unauthorized use of any materials on this Site may violate copyright, trademark, and other laws.
You agree not to use the Site in any way that:
The information provided on this Site and through our services is for general informational purposes only and does not constitute financial, legal, tax, investment, or other professional advice. Nothing on this Site should be construed as a recommendation to apply for any specific loan product or engage in any specific financial transaction.
All financing decisions should be made in consultation with qualified financial and legal advisors who understand your specific circumstances. Arcadia Financial Services employees and representatives are not licensed attorneys, certified public accountants, or registered investment advisors unless otherwise specifically disclosed.
Financing rates, terms, and availability described on this Site are for illustrative purposes only and are subject to change without notice. Actual rates and terms will be determined by lenders based on creditworthiness, collateral, and other underwriting criteria.
THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.
Arcadia Financial Services does not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or server are free of viruses or other harmful components.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ARCADIA FINANCIAL SERVICES, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total liability for any claim arising out of or related to these Terms or our services shall not exceed the greater of (a) the amount paid by you to Arcadia Financial Services in the twelve months preceding the claim, or (b) $100.
Our Site may contain links to third-party websites, including lender websites, industry resources, and other external content. These links are provided for your convenience only. Arcadia Financial Services does not control third-party websites and is not responsible for their content, privacy practices, or accuracy.
The inclusion of any link does not imply endorsement by Arcadia Financial Services of the linked site. Your use of third-party websites is at your own risk and subject to the terms and conditions and privacy policies of those sites.
You agree to defend, indemnify, and hold harmless Arcadia Financial Services and its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.
Any dispute arising out of or related to these Terms or your use of the Site shall first be subject to good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation, the parties agree to submit to the exclusive jurisdiction of the state and federal courts located in New Hanover County, North Carolina.
You agree to waive any objection to the exercise of jurisdiction over you by such courts and to waive any claim of inconvenient forum.
Arcadia Financial Services reserves the right to modify these Terms at any time. We will provide notice of material changes by updating the "Last Updated" date at the top of this page and, where appropriate, providing additional notice on our website or via email.
Your continued use of the Site after any modifications to these Terms constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of the Site and our services.
We encourage you to review these Terms periodically to stay informed of any updates.
If you have questions about these Terms and Conditions, please contact us:
Arcadia Financial Services
Attn: Christopher Nikitas
1213 Culbreth Drive, Wilmington, NC 28405