1. Acceptance

By accessing or using aloadvance.com (the "Site"), you agree to these Terms of Use. If you do not agree, do not use the Site. "Alo Advance," "we," "us" and "our" refer to Alo Advance LLC.

2. Our services

Alo Advance provides merchant cash advances to businesses. A merchant cash advance is the purchase of a portion of a business's future receivables at a discount. It is not a loan, line of credit or other extension of credit.

3. No offer or commitment

Information on the Site, including the cost estimator, is general and for illustration only. Nothing on the Site is an offer, approval, quote or commitment to fund. Any funding is subject to underwriting and to a written agreement signed by both parties.

4. Information you provide

When you submit a funding request, partner application or message, you represent that you are authorized to act for the business named, and that the information and documents you provide are true, complete and yours to share.

5. Acceptable use

You agree not to use the Site for any unlawful purpose, to submit false or another person's information, to interfere with the Site's operation or security, or to copy or scrape its content by automated means.

6. Intellectual property

The Site and its content, including the Alo Advance name and logo, belong to Alo Advance LLC and may not be used without our written permission.

7. Third-party links

The Site may link to websites we do not control. We are not responsible for their content or practices.

8. Disclaimers

The Site is provided "as is" and "as available" without warranties of any kind, to the fullest extent permitted by law.

9. Limitation of liability

To the fullest extent permitted by law, Alo Advance is not liable for any indirect, incidental or consequential damages arising from your use of the Site.

10. Governing law

These Terms are governed by the laws of the State of New York, without regard to its conflict of laws rules.

11. Changes

We may update these Terms at any time. The effective date above shows when they last changed. Continued use of the Site means you accept the updated Terms.

12. Contact

Questions about these Terms: Info@aloadvance.com or 516-477-8873.

Information we collect

Information you give us: business details, owner name and contact information, ownership percentage, bank statements, photo ID and any other documents you send with a funding request or partner application.

Information collected automatically: device and browser type, IP address, pages visited and similar usage data, collected through cookies and comparable technologies.

How we use it

• To review and underwrite funding requests and partner applications
• To verify identity and business information and to prevent fraud
• To prepare offers and agreements and to service funded accounts
• To communicate with you by phone, email or text
• To comply with legal and regulatory obligations

How we share it

We share information only as needed to evaluate and service your request: with service providers who work on our behalf, with identity and business verification services, with the ISO partner who submitted your file, and when required by law.

We do not sell your information, and we never send your file anywhere else.

Security

We use administrative, technical and physical safeguards to protect your information. No system is completely secure, but we limit access to the people who need it to review or service your file.

Retention

We keep information for as long as needed to evaluate and service your request and to meet legal and record-keeping requirements.

Changes

We may update this policy. The effective date above shows when it last changed.

Contact

Privacy questions or requests: Info@aloadvance.com or 516-477-8873.

Merchant cash advances

Alo Advance LLC provides merchant cash advances. A merchant cash advance is the purchase of a portion of a business's future receivables at a discount. It is not a loan, line of credit or extension of credit.

Approval and pricing

Approval, advance amount, factor rate and remittance terms depend on underwriting and are not guaranteed. Final terms are provided in a written agreement before you sign.

Factor rates and the cost estimator

A factor rate is not an interest rate or an annual percentage rate. The cost estimator on this site shows illustrations only and is not a quote or offer. The lowest factor rates are reserved for the strongest files, and most approvals price higher.

Timing

Decision and funding times shown on this site, including the less-than-1-hour average decision, same-day decisions and funding within 24 to 48 hours, are general estimates. They are not set in stone and are subject to variation based on the completeness of the file, verification, volume, business hours and bank processing. Timing is not guaranteed.

State disclosures

Where state law requires it, including in New York and California, Alo Advance provides commercial financing disclosures before you sign. Funding availability varies by state.

Fraud warning

Alo Advance never charges a fee to apply or to receive an offer. If anyone claiming to represent us asks for payment before funding, call 516-477-8873.