Acceptance of Terms
These Terms and Conditions ("Terms") govern your use of the Jem Data LLC website located at thejemdata.com and any related services provided by Jem Data LLC ("Jem Data," "we," "us," or "our"), a business entity headquartered at 946 Sanibel Drive, Hollywood, FL 33019.
By accessing our website, submitting an application, or otherwise engaging with our services, you agree to be bound by these Terms. If you do not agree to these Terms, please discontinue use of our website and services immediately.
Eligibility
Our services are available to business entities and individuals acting in a business capacity. By using our services, you represent and warrant that:
- You are at least 18 years of age
- You are a duly authorized representative of the business entity you represent
- You have the authority to bind your business to any agreements entered into with Jem Data LLC
- All information you provide to us is accurate, complete, and current
Description of Services
Jem Data LLC is a direct lender providing business financing solutions including, but not limited to, working capital loans, revenue-based financing, business term loans, equipment financing, business lines of credit, and invoice factoring.
All financing is subject to review, approval, and execution of separate lending agreements. These Terms govern your use of our website and general engagement with our company; the terms of any specific financing arrangement will be governed by separate loan documentation.
Website Use
You agree to use our website only for lawful purposes and in a manner consistent with these Terms. You agree not to:
- Submit false, misleading, or fraudulent information through our website or contact form
- Attempt to gain unauthorized access to any portion of our website or systems
- Use our website in any manner that could damage, disable, or impair its functionality
- Use automated tools, scrapers, or bots to access or extract data from our website
- Engage in any activity that violates applicable laws or regulations
SMS / Text Messaging Terms
Program Description: By opting in to SMS communications, you consent to receive recurring marketing and promotional SMS/MMS messages from Jem Data LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
Message & Data Rates: Message and data rates may apply. Standard message and data rates charged by your mobile carrier may apply to SMS messages sent and received.
How to Opt Out: Reply STOP to any SMS message from Jem Data LLC at any time to opt out of future SMS communications. Upon receipt of your STOP message, we will send one final confirmation message and no further SMS messages will be sent to your number.
How to Get Help: Reply HELP for assistance, or contact us at esther@thejemdata.com.
Consent is NOT a condition of purchase. Your decision to opt in or opt out of SMS communications has absolutely no bearing on your eligibility for, access to, or terms of any financial products or services offered by Jem Data LLC.
Supported Carriers: SMS program is available on most major U.S. carriers. Carrier participation may vary.
Application and Lending
Submission of an application through our website does not constitute an offer or commitment to lend. All applications are subject to review, verification, and approval by Jem Data LLC at its sole discretion. We reserve the right to decline any application without disclosing the reason for such decision.
Any financing offer is conditional upon verification of all information provided and execution of appropriate loan documentation. Final terms, rates, and amounts are subject to change based on underwriting review.
Accuracy of Information
We strive to keep the information on our website accurate and up to date. However, we make no warranties or representations about the accuracy, completeness, or timeliness of any information on our website. Information about our services, including rates and terms, is provided for general informational purposes and is subject to change without notice.
Intellectual Property
All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of Jem Data LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on our website without our express written permission.
Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, JEM DATA LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, JEM DATA LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF JEM DATA LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Indemnification
You agree to indemnify, defend, and hold harmless Jem Data LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your use of our website or services.
Privacy
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.
Governing Law and 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 provisions. Any dispute arising under these Terms shall be resolved in the state or federal courts located in Broward County, Florida, and you consent to the personal jurisdiction of such courts.
Modifications to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our website or services following the posting of revised Terms constitutes your acceptance of the changes.
Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms shall remain in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Jem Data LLC regarding your use of our website and services.
Contact Us
If you have questions about these Terms and Conditions, please contact us:
- Email: esther@thejemdata.com
- Address: Jem Data LLC, 946 Sanibel Drive, Hollywood, FL 33019
- Contact: Esther Naftali, Founder & Principal