Please read these terms carefully before using our services.
These Terms and Conditions ("Terms") govern your use of the GrowBanq website (growbanq.com) and all services provided by GrowBanq ("GrowBanq," "we," "us," or "our"), a subsidiary of UCNE. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
GrowBanq is an alternative financial solutions provider offering business lending products and payment processing services. GrowBanq is a subsidiary of UCNE, a credit union based in Brazil. GrowBanq operates as a technology platform that connects businesses with financial products and services. GrowBanq is not a bank and does not directly hold deposits.
To use our services, you must:
GrowBanq facilitates access to various business financing products including term loans, revenue-based financing, equipment financing, business lines of credit, and SBA loans. All lending products are subject to credit approval, underwriting criteria, and the terms of the specific loan agreement. Rates, terms, and availability may vary based on your business profile, creditworthiness, and market conditions.
GrowBanq Payments provides credit card processing, POS solutions, payment gateway services, mobile payments, and ACH processing. All payment processing services are subject to a separate Merchant Services Agreement, applicable card network rules, and regulatory requirements.
GrowBanq's zero-interest loan program is available to qualifying businesses that process payment transactions through GrowBanq Payments. Eligibility is based on processing volume, business profile, and other underwriting criteria. This program may be modified or discontinued at any time.
When you submit an application through our website or widget:
All loan products are governed by individual loan agreements that will be provided to you for review before you accept any offer. These agreements will include:
You are strongly encouraged to review all loan documents carefully and seek independent legal or financial advice before accepting any financing offer.
GrowBanq may charge fees in connection with its services, including but not limited to:
All applicable fees will be clearly disclosed before you commit to any service.
All content on the GrowBanq website — including text, graphics, logos, images, software, and design — is the property of GrowBanq or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.
You agree not to:
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GROWBANQ, ITS PARENT COMPANY UCNE, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO GROWBANQ IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
You agree to indemnify, defend, and hold harmless GrowBanq, UCNE, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your breach of these Terms, your use of our services, or your violation of any applicable law or third-party rights.
Our services may involve third-party lending partners, payment processors, and other service providers. Your interactions with these third parties are governed by their own terms and policies. GrowBanq is not responsible for the actions, products, or content of any third party.
Any dispute arising from or relating to these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall take place in the State of Florida. You agree to waive any right to a jury trial or to participate in a class action lawsuit against GrowBanq.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes your acceptance of the modified Terms. Material changes will be communicated via email or prominent website notice.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any applicable loan or merchant service agreements, constitute the entire agreement between you and GrowBanq regarding your use of our website and services.
If you have questions about these Terms, please contact us:
GrowBanq
Email: info@growbanq.com
Website: growbanq.com
GrowBanq is a subsidiary of UCNE, a leading credit union in Brazil. For more information about our parent organization, visit ucne.bz.