Agreement to Terms
These Terms and Conditions ("Terms") govern your use of the STEIN ACCOUNTING INC. website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access the website or use our services.
Services Overview
STEIN ACCOUNTING INC. provides accounting services, business lending, financial consulting, and related financial services. We are a licensed direct lender operating in compliance with applicable federal and state regulations.
Our services include but are not limited to:
- Business accounting and bookkeeping
- Tax preparation and planning
- Working capital loans
- Equipment financing
- Revenue-based financing
- Financial consulting and advisory services
Loan Terms and Conditions
Application Process
Submission of a loan application does not guarantee approval. All applications are subject to our underwriting criteria and verification process. We reserve the right to approve or deny any application at our sole discretion.
Lending Practices
As a direct lender, we provide funding directly to qualified businesses. Loan terms, interest rates, and repayment structures are determined based on your business's financial profile, creditworthiness, time in business, and other relevant factors. All terms will be clearly disclosed in your loan agreement prior to funding.
Repayment
Repayment terms vary by product and are specified in your loan agreement. Failure to make payments as agreed may result in default, additional fees, and collection activities. We encourage you to contact us immediately if you anticipate difficulty making a payment.
Important: Borrowing money has costs and obligations. Ensure you understand all terms before accepting any financing offer. You are encouraged to seek independent financial advice if needed.
SMS Terms & Conditions
By providing express consent through our contact form, you agree to receive recurring marketing and promotional SMS/MMS messages from STEIN ACCOUNTING INC., sent using an automated telephone dialing system (ATDS).
Message Details
- Message Frequency: Message frequency varies; you may receive up to 4 messages per month containing offers, updates, and information about our financial products and services.
- Message and Data Rates: Message and data rates may apply depending on your mobile carrier and plan. Please consult your carrier for details.
- Supported Carriers: This service is available on major U.S. carriers. Availability and delivery may vary by carrier and geographic area.
Opt-Out and Help
- Reply STOP: To opt out of SMS messages at any time, reply STOP to any message you receive from us. You will receive a confirmation message. After opting out, you will no longer receive marketing SMS messages from STEIN ACCOUNTING INC., but you may still receive transactional or account-related messages if you are an active client.
- Reply HELP: For assistance, reply HELP to any message or contact us at neville@stein-accounting.com.
Consent Not Required
Consent is NOT a condition of purchase or service. You may access our services, apply for financing, and use our accounting services without opting in to SMS communications. Opting out of SMS will not affect your eligibility for or access to any of our services.
Privacy and Data Use
Your mobile number and SMS opt-in data will be used solely for the purpose of sending you marketing and promotional messages. We do not sell or share your mobile information with third parties for their marketing purposes. For more details, see our Privacy Policy.
Intellectual Property
The content, design, graphics, and other materials on this website are owned by or licensed to STEIN ACCOUNTING INC. and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.
Limitation of Liability
To the fullest extent permitted by law, STEIN ACCOUNTING INC. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our services or website
- Any unauthorized access to or use of our servers and/or any personal information stored therein
- Any interruption or cessation of transmission to or from our website
- Any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content
Indemnification
You agree to indemnify, defend, and hold harmless STEIN ACCOUNTING INC., its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) 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 Georgia, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Savannah, Georgia.
Changes to Terms
We reserve the right to modify or replace these Terms at any time. If we make material changes, we will notify you by updating the "Last Updated" date at the top of these Terms. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.
Entire Agreement
These Terms constitute the entire agreement between you and STEIN ACCOUNTING INC. regarding your use of our website and services, superseding any prior agreements between you and STEIN ACCOUNTING INC. relating to your use of the website or services.
Contact Information
If you have any questions about these Terms, please contact us:
STEIN ACCOUNTING INC.
8210 WHITE BLUFF ROAD
SAVANNAH, GA 31406
Email: neville@stein-accounting.com