Terms & Conditions

1. Acceptance of Terms

By accessing and using the PeerSense website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must discontinue use of this website immediately.

2. Description of Services

PeerSense provides capital access advisory and consulting services, connecting business owners and operators with institutional lending partners for commercial finance solutions including SBA loans, private credit, and other debt capital products. PeerSense acts as an intermediary and advisor and does not directly provide loans or financial products.

3. No Financial or Legal Advice

The content on this website is for informational purposes only and should not be construed as financial, legal, or investment advice. We always recommend consulting with qualified financial advisors, accountants, or attorneys before making any substantial financial decisions. PeerSense does not guarantee any specific lending outcomes, approval of financing, or transaction completion.

4. User Responsibilities

You agree to provide accurate, current, and complete information when using our services or submitting inquiries through this website. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of PeerSense or its content suppliers and is protected by United States and international copyright laws. Unauthorized reproduction, distribution, or modification of any content is strictly prohibited.

6. Prohibited Uses; No Automated Access or Scraping

You agree not to, and not to attempt to, do any of the following without PeerSense's prior written consent:

• Use any robot, spider, scraper, headless browser, automated tool, or other means to access, collect, harvest, copy, monitor, or extract any content, data, or information from this website (including franchise profiles, lender directories, SBA loan aggregations, calculator outputs, and any other data made available through pages or APIs);
• Bypass, disable, or circumvent any technical measures employed to limit access to this website (including but not limited to robots.txt directives, IP-based access controls, rate limits, or authentication checks);
• Reverse-engineer, decompile, or otherwise attempt to derive the underlying source code, proprietary algorithms, lender-matching logic, or aggregated data structures used by PeerSense;
• Reproduce, republish, redistribute, mirror, train AI models on, or commercially exploit any content of this website, in whole or in part, in any medium, except as expressly permitted in writing by PeerSense.

By accessing this website you accept these Terms as a binding agreement. PeerSense reserves the right to seek monetary damages, injunctive relief, attorneys' fees, and any other available remedies for violation of this Section, including but not limited to claims under the Computer Fraud and Abuse Act, copyright infringement, trespass to chattels, breach of contract, and applicable state computer-trespass statutes.

Properly identified search-engine crawlers (Googlebot, Bingbot, etc.) and AI training/citation crawlers explicitly allowed in our published robots.txt are exempt from this Section to the extent of their stated robots.txt permissions.

7. Third-Party Links

This website may contain links to third-party websites or services that are not owned or controlled by PeerSense. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that PeerSense shall not be responsible or liable for any damage or loss caused by the use of any such content or services.

8. Limitation of Liability

To the fullest extent permitted by applicable law, PeerSense 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 of our services.

9. Privacy

Your use of this website is also governed by our Privacy Policy. By using PeerSense, you consent to the collection and use of information as described in our Privacy Policy. We are committed to protecting your personal information and maintaining its confidentiality.

10. Modifications to Terms

PeerSense reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after any changes constitutes your acceptance of the new Terms and Conditions.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Hamilton County, Indiana.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: