Last Updated: March 20, 2026
Welcome to Innovative Marketing and Consulting ("Innovative M&C," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
1. Acceptance of Terms
By accessing this website or submitting an inquiry for business funding services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the website constitutes acceptance of the updated Terms.
2. Services Overview
Innovative Marketing and Consulting is a direct business lender providing working capital loans, equipment financing, and revenue-based financing solutions to qualified businesses. Our services are subject to approval, underwriting requirements, and the execution of formal loan or financing agreements.
No Guarantee of Approval: Submitting an inquiry or application does not guarantee approval or the availability of funding. All financing decisions are made at our sole discretion based on creditworthiness, business performance, and other underwriting criteria.
3. Eligibility
Our services are available only to businesses and individuals who:
- Are 18 years of age or older
- Have the legal capacity to enter into binding agreements
- Provide accurate, complete, and truthful information
- Operate a legitimate business entity
We reserve the right to refuse service to any individual or entity at our discretion.
4. Use of Website
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Engage in any conduct that restricts or inhibits anyone's use of the website
- Attempt to gain unauthorized access to any portion of the website or related systems
- Transmit any viruses, malware, or other harmful code
- Impersonate any person or entity, or falsely state or misrepresent your affiliation
5. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Innovative Marketing and Consulting or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
6. SMS Terms & Conditions
If you opt in to receive SMS/text messages from Innovative Marketing and Consulting, the following terms apply:
Consent to Receive Messages
By providing your mobile phone number and opting in via our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Innovative Marketing and Consulting using an automated telephone dialing system (ATDS). Messages may include offers, updates, and information about our financial products and services.
Message Frequency & Charges
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier plan. Please contact your carrier for details on your plan's messaging rates.
Opt-Out Instructions
You may opt out of SMS messages at any time by replying STOP to any message you receive from us. Upon sending STOP, you will receive a confirmation message, and no further messages will be sent unless you re-opt-in.
Help & Support
For assistance with SMS messages, reply HELP to any message, or contact us directly at thomas@innovativemarketingandconsulting.com.
No Condition of Purchase
Consent to receive SMS messages is NOT a condition of purchase or eligibility for our business funding services. You can access our services without opting in to SMS communications.
Carrier Liability
We are not liable for delayed or undelivered messages. Carriers are not responsible for delayed or undelivered messages.
7. Disclaimer of Warranties
This website and all information, content, and services provided are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that:
- The website will be uninterrupted, timely, secure, or error-free
- The results obtained from using the website will be accurate or reliable
- Any errors in the website will be corrected
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
8. Limitation of Liability
In no event shall Innovative Marketing and Consulting, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or in connection with your use of this website or our services, even if we have been advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.
9. Indemnification
You agree to indemnify, defend, and hold harmless Innovative Marketing and Consulting and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with:
- Your use of the website or services
- Your violation of these Terms
- Your violation of any rights of another party
- Any false or misleading information you provide
10. Third-Party Links
Our website may contain links to third-party websites or resources. We do not endorse and are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk and subject to their terms and policies.
11. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of our website or services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Miami-Dade County, Florida.
You agree to waive any right to a jury trial or to participate in a class action lawsuit.
12. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
13. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Innovative Marketing and Consulting regarding your use of our website and services, and supersede all prior agreements and understandings.
14. Contact Information
If you have questions or concerns about these Terms, please contact us:
Innovative Marketing and Consulting
2875 NE 191ST ST Suite 519
Aventura, FL 33180
Email: thomas@innovativemarketingandconsulting.com