Terms of Service

Konnecs Originate is a financing-origination and routing platform. It lets a business owner connect their point-of-sale account (such as Clover), see what they may pre-qualify for based on their sales, complete a financing application, and have that application routed to one or more independent lending partners for underwriting.

Konnecs Originate is not a lender, broker of record, or bank. We do not make credit decisions, lend money, or disburse funds. Any financing offer, approval, and funding is made and provided directly by an independent lending partner. Funds are paid by the lending partner directly to the merchant. Money never passes through Konnecs Originate.

You must be at least 18 years old and authorized to act on behalf of the business you represent. By using the Service you represent that the information you provide is true, accurate, and complete, and that you are authorized to share it.

When you connect your Clover (or other) account, you authorize us to access your merchant profile and sales history on a read-only basis, solely to estimate your pre-qualification and to support your application. We do not move money, change settings, or take any action on your point-of-sale account. You can disconnect at any time, and you may revoke access from your point-of-sale provider.

A pre-qualification estimate is not an offer of financing and does not guarantee approval. Each lending partner evaluates your application under its own criteria and may request additional information or documents. Final terms, approval, and funding are determined solely by the lending partner.

To process an application you may provide business and personal details and upload documents such as tax returns, bank statements, identification, and credit reports. You are responsible for the accuracy of what you submit. How we handle this information is described in our Privacy Policy.

You agree not to misuse the Service, submit false or fraudulent information, impersonate others, attempt to gain unauthorized access, or use the Service for any unlawful purpose.

The Service, including its software, design, and content, is owned by Borderline and its licensors and is protected by applicable law. These Terms do not grant you any ownership rights in the Service.

The Service is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Borderline is not liable for any indirect, incidental, or consequential damages, or for the acts, offers, or decisions of any lending partner. Your relationship for any financing is with the lending partner, not with Konnecs Originate.

We may suspend or terminate access to the Service at any time if these Terms are violated or to protect the Service or its users. You may stop using the Service and disconnect your account at any time.

We may update these Terms from time to time. Material changes will be reflected by updating the effective date above. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

These Terms are governed by the laws of the State of Arizona, United States, without regard to its conflict-of-laws rules.

Questions about these Terms? Email hello@konnecs.com or call +1 (520) 332-9216.