Terms of Service
Effective Date: January 1, 2026 — Slate Financial LLC
Welcome to Slate Financial. These Terms of Service ("Terms") govern your use of the Slate Financial website and services operated by Slate Financial LLC.
1. Acceptance of Terms
By accessing or using the Slate Financial website (slatefinancial.io) and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. These terms apply to all visitors, users, and others who access our platform.
2. Description of Services
Slate Financial is a financial technology company that connects businesses and real estate investors with funding solutions. We offer AI-powered tools including pre-qualification assessments, deal analysis, business health reports, and loan product matching. We are not a bank or direct lender. We facilitate connections between borrowers and lending partners.
3. Eligibility
You must be at least 18 years old and legally able to enter into contracts to use our services. By submitting an application, you represent that all information provided is accurate and complete. Providing false or misleading information may result in denial of services and potential legal action.
4. No Guarantee of Funding
Slate Financial does not guarantee loan approval, specific interest rates, or funding amounts. Pre-qualification results and AI-generated recommendations are estimates only and do not constitute a binding offer. Final loan terms are determined by our lending partners based on their underwriting criteria.
5. AI Tools Disclaimer
Our AI-powered tools (AI Deal Room, Pre-Qualification, Business Health Assessment, Market Pulse) provide automated analysis based on the information you provide. These tools are designed to help guide your funding decisions but should not be considered financial advice. Results are estimates and may differ from actual offers received from lenders.
6. User Responsibilities
You agree to: provide accurate and complete information in all applications and forms, promptly update any changes to your information, not misuse our services for fraudulent purposes, not attempt to reverse-engineer our AI algorithms or proprietary tools, and comply with all applicable laws and regulations.
7. Intellectual Property
All content, features, and functionality of the Slate Financial platform — including text, graphics, logos, AI tools, and software — are owned by Slate Financial LLC and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
8. Limitation of Liability
Slate Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims shall not exceed the amount you paid to us (if any) in the twelve months preceding the claim. We are not responsible for actions taken by lending partners.
9. Indemnification
You agree to indemnify and hold harmless Slate Financial LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.
10. Modifications
We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after any modifications constitutes acceptance of the updated terms.
11. Governing Law
These terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Flagler County, FL.
12. Contact
For questions about these terms, contact Slate Financial LLC at: Email: hello@slatefinancial.io. Phone: (843) 290-8928. Address: Palm Coast, FL 32137.