Terms and Service
Welcome to MCA Defense Now (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, services, and communications, including text messages, calls, and emails (collectively, the “Services”).
By using our Services, you agree to these Terms. If you do not agree, please do not use our Services.
1. Services Overview
MCA Defense Now provides business owners with assistance in understanding, negotiating, or resolving
merchant cash advance (MCA) obligations. We are not a lender, collection agency, or law firm.
Our Services include educational consultations, case evaluations, and communication regarding potential debt relief or restructuring options.
2. Eligibility
To use our Services, you must:
- Be at least 18 years of age.
- Be a U.S. resident or authorized representative of a U.S. business.
- Provide accurate and truthful information during all communications and submissions.
We reserve the right to decline or discontinue Services if false, misleading, or incomplete information is provided.
3. No Financial or Legal Advice
MCA Defense Now is
not a law firm and does not provide legal or financial advice. All information shared through our Services is for
educational and informational purposes only.
Before making financial or legal decisions, you should consult a qualified attorney or financial professional.
4. Consent to Communication
By providing your contact information through our website, form, or phone call, you expressly consent to receive communications from MCA Defense Now via:
- Phone calls (manual or automated)
- Text messages (SMS/MMS)
- Emails
Message frequency varies. Standard message and data rates may apply.
You may opt out of SMS communication at any time by replying
STOP, or unsubscribe from email by following the link provided in the email footer.
5. Text Messaging Program (A2P Compliance)
Our text message program is intended for:
- Appointment reminders
- Case updates
- Educational information regarding debt relief
We comply with the Telephone Consumer Protection Act (TCPA) and A2P 10DLC regulations.
Your opt-in consent is required prior to receiving messages.
You may opt out anytime by replying
STOP or request assistance by replying
HELP.
6. User Responsibilities
You agree not to:
- Provide false, inaccurate, or incomplete information.
- Use our Services for unlawful or fraudulent purposes.
- Interfere with or disrupt the website, systems, or networks connected to MCA Defense Now.
We reserve the right to suspend or terminate access if these Terms are violated.
7. Intellectual Property
All website content, including logos, graphics, text, and materials, are the property of MCA Defense Now or its licensors.
You may not copy, reproduce, or distribute any content without our prior written consent.
8. Limitation of Liability
To the fullest extent permitted by law, MCA Defense Now and its affiliates are not liable for:
- Any indirect, incidental, or consequential damages.
- Any loss of profits, data, or goodwill arising from your use of our Services.
Our total liability, if any, shall not exceed the amount you paid (if applicable) for our Services.
9. No Guarantee of Outcome
While we strive to assist clients in identifying relief options,
results cannot be guaranteed.
Eligibility for restructuring, settlement, or other relief programs depends on individual business circumstances and lender cooperation.
10. Links to Third-Party Websites
Our website may include links to third-party sites. We are not responsible for their content, privacy practices, or accuracy. Accessing those links is at your own risk.
11. Modifications to Terms
We may update these Terms from time to time. The updated version will be posted on this page with a new “Effective Date.” Continued use of our Services after changes means you accept the revised Terms.
12. Governing Law
These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.
Any disputes shall be resolved in the courts located in [Insert County, State].
13. Contact Us
If you have any questions about these Terms, please contact:
