Please read these Terms carefully. By accessing squaemouth.com ("the website") or submitting an application you agree to be bound by them. If you do not agree, please do not use the website or our services.
1. About us and our role
ASHELLE INC ("ASHELLE", "we", "us"), located at 17 Sunset Rd W, Albertson, NY 11507, USA and operating the website squaemouth.com, provides financial intermediation services: we help businesses identify, structure and apply for targeted (secondary) financing, non-bank credit, factoring and refinancing facilities, and we perform financial due diligence.
We are not a bank, a licensed lender or a deposit-taking institution. We do not lend our own funds, we do not make credit decisions and we do not guarantee that any lender will approve an application. All financing is provided by independent third-party lenders under their own agreements, criteria and terms.
2. Business financing only
Our services are available exclusively to businesses, sole proprietors and other commercial entities for business purposes. We do not arrange consumer credit, personal loans, payday loans, student loans or any financing for personal, family or household purposes.
3. Important disclosures
- No guarantee of approval. Any indication of eligibility, amount, rate or timing on this website or during a consultation is preliminary and non-binding until a lender issues a written offer.
- Rates and terms vary. Interest rates, fees, repayment periods and collateral requirements are set by the lender and depend on the amount, term, purpose, industry, financial profile and credit history of the applicant. Illustrative examples on this website are for information only and do not constitute an offer.
- Fees. The initial consultation is free of charge. If we arrange financing for you, our fee (if any) is agreed in writing in a separate engagement letter before any lender is approached. We never ask for payment before an application is submitted and we never request "advance" or "insurance" fees to release funds.
- Timing. Statements such as "funds within days" describe typical outcomes and are not a commitment. The actual timeline depends on the lender, the completeness of your documents and third-party verification.
- Independent advice. We are not your legal, tax or accounting adviser. You should obtain independent advice before entering into any financing agreement.
- Case studies and statistics. Case studies on this website describe real engagements with identifying details removed. Statistics such as "95% successful deals" are calculated over completed engagements in which a lender issued an offer and are not a prediction of the outcome of your application.
4. Application form and information you provide
By submitting the form you confirm that the information is accurate and complete, that you are authorised to act on behalf of the business named, and that you consent to be contacted by phone, email or SMS about your enquiry. Providing false or misleading information may result in the termination of our services and may be a criminal offence.
5. Use of the website
You may use the website for lawful purposes only. You must not: attempt to gain unauthorised access to any part of the website or its systems; introduce viruses or malicious code; scrape or harvest data; submit automated or spam applications; or use the website in a way that infringes the rights of others.
6. Intellectual property
The website, its design, text, graphics, logos and other content are owned by or licensed to ASHELLE INC and are protected by copyright and trademark laws. You may view and print pages for your own business use, but you may not reproduce, distribute or create derivative works without our written permission.
7. Third-party links and lenders
The website may link to third-party websites, including lenders. Those sites are governed by their own terms and privacy policies. We are not responsible for their content, availability or practices. Any financing agreement you enter into is solely between you and the lender.
8. Disclaimer of warranties
The website and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the website will be uninterrupted or error-free.
9. Limitation of liability
To the fullest extent permitted by law, ASHELLE INC, its officers, employees and agents shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or business opportunity, arising from your use of the website or our services, even if advised of the possibility of such damages. Our total aggregate liability arising out of an engagement shall not exceed the fees you actually paid to us for that engagement.
10. Indemnity
You agree to indemnify and hold harmless ASHELLE INC from any claims, losses and expenses (including reasonable legal fees) arising from your breach of these Terms or from inaccurate information you provided to us or to a lender.
11. Privacy
Our collection and use of personal information is described in the Privacy Policy and Cookie Policy, which form part of these Terms.
12. Governing law and disputes
These Terms are governed by the laws of the State of New York, USA, without regard to conflict-of-law rules. Any dispute that cannot be resolved amicably shall be submitted to the state or federal courts located in Nassau County, New York, and you consent to their jurisdiction. Nothing in this clause limits any mandatory consumer or business protection you are entitled to under applicable law.
13. Changes to these Terms
We may revise these Terms at any time by updating this page. The date at the top shows the latest revision. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.