TERMS OF USE

1. Acceptance of Terms

By accessing enigmafinance.online (the “Site”) you agree to these Terms of Use (“Terms”). If you do not agree, do not use the Site.

2. Our Service

Enigma is not a lender, credit broker, or financial advisor. We are a marketing platform that connects prospective borrowers with third‑party lenders. Loan approvals, rates, fees, and terms are solely determined by participating lenders.

3. Eligibility

You represent that (a) you are at least 18; (b) you are using the Site for a business or commercial purpose; and (c) any information you submit is truthful and complete.

4. User Responsibilities

      Provide accurate, current data.

      Use the Site only for lawful purposes.

      Refrain from scraping, reverse‑engineering, or interfering with Site security.

5. Consent to Receive Communications

By submitting an inquiry, you consent to receive e‑mails, SMS, phone calls (including via auto‑dialer), and other communications from Enigma and its lending partners regarding your financing request, subject to applicable law.

6. Intellectual Property

All content, trademarks, logos, and software on the Site are the property of Enigma or its licensors and are protected by U.S. and international laws. You may view, download, or print pages for your own informational, non‑commercial use only.

7. Third‑Party Links & Content

The Site may display third‑party content or links. Enigma does not endorse, guarantee, or assume responsibility for such content.

8. Disclaimers

      No Warranty: The Site and services are provided “as is” and “as available” without warranties of any kind, express or implied.

      No Guarantee: We do not guarantee loan approval, specific terms, or that submitted information will result in offers.

      Regulatory Compliance: We strive to comply with TILA, ECOA, FCRA, GLBA, and CFPB guidance, and we expect our partners to do the same.

9. Limitation of Liability

To the fullest extent permitted by law, Enigma, its officers, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Site or any loan obtained through a third party.

10. Indemnification

You agree to indemnify and hold Enigma harmless from any claims, losses, or damages (including attorneys’ fees) arising out of your misuse of the Site, violation of these Terms, or infringement of any rights of a third party.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of [choose: Delaware / New York / California], without regard to conflict‑of‑law principles. Any dispute shall be resolved by binding arbitration in [City, State] under the AAA Commercial Arbitration Rules. You waive class‑action rights.

12. Modifications

We may revise these Terms at any time by posting an updated version. Continued use after changes constitutes acceptance.

13. Severability

If any provision is held unenforceable, the remaining provisions will remain in effect.

14. Contact

Enigma Creative Finance Solutions

Email: info@enigmafinance.online