Terms of Use

01Agreement and eligibility

These Terms of Use govern your access to The MCA Room. By creating an account, accessing, or using the service, you agree to these Terms and the Privacy Policy. If you do not agree, do not use The MCA Room.

You must be at least 18 years old and legally able to enter a binding agreement. The MCA Room is intended for adults involved in merchant cash advance and commercial finance.

02What The MCA Room is

The MCA Room provides industry discussion forums, member profiles, direct messaging, community voting, and an independently curated business directory. The MCA Room is not a lender, funder, broker, marketplace, underwriter, law firm, credit bureau, or financial adviser. We do not arrange financing, approve applications, quote binding terms, or participate in transactions between members.

Information posted by members or included in the directory is general industry information, not legal, tax, compliance, investment, underwriting, or financial advice.

03Accounts and display names

You must provide a valid private email address, complete required verification, and keep your credentials secure. You are responsible for activity under your account and must promptly notify us of suspected unauthorized access.

You may use a display name instead of your legal name. Display names must be unique and may not impersonate a person or company, misrepresent professional credentials, or create a confusing affiliation. An anonymous or pseudonymous display name does not excuse misconduct or violations of law.

04Member content and license

You retain ownership of content you submit, including posts, replies, photos, directory nominations, and direct messages. You grant The MCA Room a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, transmit, and moderate that content only as reasonably necessary to operate, secure, improve, and enforce the service.

Public forum posts, replies, attached photos, display names, avatars, roles, and scores may be viewed by anyone, including visitors who do not create or sign in to an account.

You represent that you have the rights and permissions needed to submit your content. Direct messages are visible to their participants and may be reviewed when reported or when reasonably necessary for safety, enforcement, security, or legal compliance. They are not public posts.

05Sensitive information and merchant data

Do not post or send Social Security numbers, tax identification numbers, bank account or routing numbers, complete bank statements, payment-card data, login credentials, medical information, or other highly sensitive information through The MCA Room. Public discussions are not confidential deal rooms.

You are responsible for obtaining permission before sharing information about a merchant, employee, representative, or other person. The MCA Room is not designed to receive merchant underwriting packages or regulated financial records.

06Community conduct

You may not use The MCA Room to:

• commit, facilitate, advertise, or conceal fraud, deception, identity theft, or unlawful conduct;
• harass, threaten, stalk, dox, discriminate against, or exploit another person;
• impersonate another person or company or misrepresent approvals, offers, pricing, credentials, ownership, or authority;
• post unlawful, defamatory, infringing, sexually exploitative, or deliberately malicious content;
• spam, scrape, harvest contact details, sell leads without authorization, distribute malware, or interfere with the service;
• evade a suspension, block, promotion limit, moderation decision, or account-security control; or
• use another member’s content or contact information outside The MCA Room in violation of law or that member’s rights.

07Promotions

Promotional posts belong only in the Promotions section and must clearly disclose the poster’s affiliation. Unless The MCA Room approves an exception, an account or company may promote no more than once in any seven-day period. Repetitive, misleading, disguised, or evasive promotion may be removed and may result in account restrictions.

08Funder directory and representative claims

Directory listings are informational records assembled from nominations, public business information, and administrator review. A listing, verification badge, contact, rating, or ranking does not mean The MCA Room endorses a company, guarantees funding, verifies every statement, or recommends a transaction.

Owners and representatives may submit private claims or corrections, but they cannot publish or approve their own listing. The MCA Room may request a company-domain email or independent evidence, reject a request, revise a listing, or remove a closed, inaccurate, unsafe, or inactive company. Company names are used only to identify businesses in the directory and do not imply sponsorship or affiliation.

09Transactions and member responsibility

You are solely responsible for conducting due diligence, verifying identities and authority, protecting merchant information, evaluating offers, reviewing contracts, determining licensing and disclosure obligations, and complying with applicable law. Never rely solely on a profile, post, message, vote, badge, directory entry, or contact listed on The MCA Room.

Any transaction or dispute between members is solely between those parties. The MCA Room is not a party to and has no responsibility for a funding, brokerage, referral, employment, or other commercial relationship.

10Moderation and enforcement

Members can report content and block users. The MCA Room may review reports, filter or remove content, limit visibility, restrict messaging or promotions, preserve evidence, suspend or terminate accounts, and contact appropriate authorities when reasonably necessary. We are not required to publish every submission or provide advance notice before urgent safety action.

Moderation is judgment-based and cannot guarantee that all objectionable or inaccurate content will be identified immediately. Contact support@mcaworld.net with urgent safety, infringement, or impersonation concerns.

11Service changes and account termination

We may modify, suspend, or discontinue features and may impose reasonable limits to protect the service. You may stop using The MCA Room at any time and may permanently delete your account from the profile settings in the app.

We may suspend or terminate access for a violation of these Terms, legal or safety risk, fraud, abuse, repeated infringement, or conduct that threatens members or the service. Provisions that by their nature should survive termination—including ownership, disclaimers, liability limits, and dispute-related provisions—will survive.

12Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE MCA ROOM IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY. WE DO NOT GUARANTEE MEMBER IDENTITY OR CONDUCT, DIRECTORY ACCURACY, DELIVERY OF MESSAGES OR NOTIFICATIONS, CONTINUOUS ACCESS, FUNDING OUTCOMES, OR THAT THE SERVICE WILL BE ERROR-FREE.

Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.

13Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE MCA ROOM AND ITS OPERATORS, SERVICE PROVIDERS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES; FINANCING OR UNDERWRITING DECISIONS; OR DISPUTES BETWEEN USERS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM THE SERVICE WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID THE MCA ROOM DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. These limitations do not apply where prohibited by law.

14Changes and contact

We may update these Terms as the service or law changes. We will update the effective date and provide additional notice when reasonably appropriate. Continued use after revised Terms take effect constitutes acceptance where permitted by law.

Questions, complaints, infringement notices, and legal correspondence may be sent to support@mcaworld.net.