Terms of Service for Merchant Cash Advance Leads (MCA Leads)
By purchasing or using our MCA leads and full submissions, you agree to these Terms, including exclusive arbitration, class‑action waiver, and a strict no‑refund policy for delivered digital goods.
Effective Date: August 13, 2025 — Last Updated: August 13, 2025
1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of products and services provided by Master MCA ("Company," "we," "us," or "our"). By purchasing, downloading, accessing, or using any merchant cash advance leads, datasets, submissions, or related services (collectively, "Leads"), you agree to be bound by these Terms. If you do not agree, do not purchase or use our services.
2. Nature of Services (MCA Leads)
- We sell B2B marketing data, including Aged MCA Data, Fresh MCA Data, Aged Submissions, and Full Submissions (with bank statement summaries).
- Leads are provided for lawful business marketing and underwriting support only.
- We do not guarantee funding outcomes, response rates, or conversions; performance varies by use and process.
3. Eligibility
- You represent that you are at least 18 years old and purchasing on behalf of a business.
- Our services are not for personal, household, or consumer use.
4. Accounts & Orders
- You are responsible for the accuracy of order details, delivery email(s), and access controls.
- We may refuse, cancel, or limit orders suspected of fraud, abuse, or policy violations.
5. Pricing & Taxes
- Prices are listed at checkout and may change without notice prior to purchase.
- Applicable taxes, duties, and fees are your responsibility and may be charged where required by law.
6. Payments via Stripe
- We accept payment methods supported by Stripe (e.g., cards, ACH, digital wallets) subject to availability.
- By purchasing, you authorize Stripe and its banking partners to process your payment and store necessary details.
- For subscriptions or recurring orders, you authorize recurring charges until cancelled in accordance with these Terms.
7. Delivery of Leads
- Standard delivery is via CSV, secure link, or agreed format. Delivery occurs when the file or link is sent.
- Delayed access caused by your filters, network, or system settings does not void delivery.
- We may watermark, seed, or otherwise monitor datasets to detect prohibited sharing or resale.
8. No Refunds; Chargebacks Forbidden for Delivered Digital Goods
- All sales are final. Because data becomes your asset upon delivery, refunds and returns are not offered.
- You agree not to initiate chargebacks or payment disputes for delivered orders.
- If a chargeback/dispute is filed, you will be responsible for the disputed amount, processor fees, and reasonable admin/legal costs.
9. Replacement Policy (Defect Review Window)
- Report clearly invalid records (e.g., disconnected numbers, non-business, obvious data errors) within 7 days of delivery.
- At our discretion, eligible invalids may be replaced with comparable records; no refunds are provided.
- We may require reasonable proof (call logs, bounces, screenshots). Abuse of the policy may result in denial of service.
10. Compliance (TCPA, CAN‑SPAM, DNC, Privacy)
- You are solely responsible for complying with all applicable laws and industry rules, including without limitation the TCPA, CAN‑SPAM, state telemarketing laws, and Do Not Call rules.
- Honor opt-outs and suppression lists; maintain your own do-not-contact database and apply it before outreach.
- If you request consent metadata or DNC‑scrubbed output, you must specify this prior to purchase.
11. Permitted Use & License
- Upon delivery and full payment, we grant you a limited, non-exclusive, non-transferable license to use the Leads solely for your internal B2B marketing and underwriting support.
- Leads are not sold; they are licensed. No ownership of underlying databases or IP is transferred.
12. Restrictions (No Resale/Sharing/Publishing)
- Do not resell, share, publish, syndicate, or otherwise distribute Leads without our prior written consent.
- Do not use Leads for harassment, scams, spamming, discrimination, or any unlawful purpose.
- Do not combine Leads with illegally obtained data or circumvent any usage controls or seeding mechanisms.
13. Data Security & Handling
- Store Leads securely; restrict access to authorized personnel on a need-to-know basis.
- Implement commercially reasonable safeguards to prevent unauthorized access, breach, or misuse.
- Notify us promptly if you suspect compromise of any delivered Leads and cooperate with reasonable remediation steps.
14. Confidentiality
Non-public information we disclose to you, including delivery methods, pricing not publicly listed, seed logic, or technical processes, is our Confidential Information. You will not disclose such information to third parties without our prior written consent, except as required by law.
15. Privacy Notice
Your purchase and use of our services are also subject to our Privacy Notice, which describes how we collect, use, and protect information. By using our services, you acknowledge our Privacy Notice. (Link your /privacy page here.)
16. Non‑Disparagement; No Adverse Use of Leads
- You agree not to publish or communicate knowingly false statements of fact about the Company, its products, or personnel. Nothing here limits lawful communications to regulators or truthful opinions.
- You agree not to use any purchased Leads or seed records as evidence or leverage against the Company in any claim or proceeding, except as required by law or to enforce these Terms.
17. Disclaimers
- Leads are provided “as is” and “as available.” We disclaim all warranties, express or implied, including accuracy, completeness, timeliness, and fitness for a particular purpose.
- Lead performance depends on your outreach, timing, offer, compliance, and market conditions.
18. Limitation of Liability
- To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or lost profits, revenue, data, or goodwill.
- Our aggregate liability for any claim is limited to the amount you paid for the specific order giving rise to the claim.
19. Indemnification
You will indemnify, defend, and hold harmless the Company and its officers, employees, and affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Leads, violation of these Terms, or violation of applicable laws.
20. Fraud Prevention; Suspension & Termination
- We may suspend or terminate access, cancel orders, or deny future service for suspected fraud, abuse, or violations.
- We may report fraudulent activity to processors, networks, and authorities, and pursue all remedies at law or equity.
21. No Scraping, Scanners, or Automated Access
- Automated access, scraping, crawling, vulnerability scanning, or rate‑testing of our websites, files, links, or delivery endpoints is prohibited.
- Any security testing requires prior written authorization under a separate scope‑limited agreement.
22. Sanctions & Export Controls
You represent that you and your end users are not subject to sanctions and will not use the services in violation of applicable export control or sanctions laws.
23. Governing Law; Exclusive Arbitration; No Court Litigation
- These Terms are governed by the laws of the State of New York, without regard to conflict‑of‑law principles.
- Exclusive Remedy. All disputes, claims, or controversies arising out of or relating to these Terms or your purchase/use of Leads shall be resolved exclusively by binding arbitration in New York County, NY, administered by the American Arbitration Association under its Commercial Rules.
- Either party may seek to confirm, enforce, or vacate an award in a court of competent jurisdiction in New York County, NY.
24. Class Action Waiver & Jury Trial Waiver
- You and the Company agree that disputes will be conducted only on an individual basis; class, consolidated, or representative actions are not permitted.
- You and the Company waive the right to a jury trial.
25. Equitable Relief; IP Protection
- Notwithstanding the arbitration clause, we may seek temporary or injunctive relief in court to protect our Confidential Information, intellectual property, data seeding, and platform security.
- No other injunctive or public injunctive relief is available; monetary and individual relief, if any, must be awarded by the arbitrator.
26. Force Majeure
We will not be liable for delays or failures due to events beyond our reasonable control, including acts of God, labor disputes, supply chain issues, internet outages, or actions by authorities.
27. Assignment
You may not assign these Terms without our prior written consent. We may assign or transfer these Terms without restriction.
28. Notices
We may provide notices by email, in‑product messaging, or posting on our website. You are responsible for maintaining accurate contact information.
29. Changes to Terms
We may modify these Terms at any time by posting an updated version on our website. Changes apply prospectively. Your continued use after changes are posted constitutes acceptance.
30. Contact
Questions about these Terms? Contact our support team at support@mastermca.com.
Important: During checkout, customers must explicitly consent to these Terms and the Replacement Policy. Use the<TermsConsent /> component below near your checkout button.
Add Clickwrap to Checkout (copy/paste)▾
// In your pricing or pay-as-you-go checkout UI
import { TermsConsent } from "@/app/legal/terms/page";
export function CheckoutFooter({ onPay }: { onPay: () => void }) {
const [accepted, setAccepted] = React.useState(false);
return (
<div className="mt-4 space-y-3">
<TermsConsent checked={accepted} onChange={setAccepted} />
<button
type="button"
disabled={!accepted}
onClick={onPay}
className={`
w-full py-2 px-4 rounded-md font-medium
${accepted ? "bg-[#ff6b00] text-white hover:bg-[#e05e00]" : "bg-gray-200 text-gray-500 cursor-not-allowed"}
`}
>
Pay & Accept Terms
</button>
</div>
);
}