Welcome to Navigation Financial Services (NFS)

By using the services provided by Navigation Financial Services (NFS), including but not limited to our website, communications, and marketing materials, you agree to the following Terms of Service (TOS) and Privacy Policy. These terms govern your use of our services and outline how we collect, use, and protect your information.

1. Terms of Service

Eligibility

NFS provides information and resources regarding equipment financing, leasing, and working capital solutions. Use of our services does not constitute an offer of financing. All financing and leasing decisions are subject to approval by our lending partners, and no offer or commitment is made until such approval is granted.

No Guarantee of Approval

NFS does not guarantee approval for financing or lending. Any pre-qualification, rate estimates, or other financial assessments provided are subject to review and approval by third-party lending partners.

Electronic Communication

By accessing our services, you consent to receive communications from NFS electronically, including via email, SMS/text messaging, or other digital channels. These communications may include promotional materials, updates, and transactional notices. You may opt out of marketing communications at any time by following the instructions provided in the communication or contacting us directly.

2. Privacy Policy

Collection of Information

NFS collects personal information when you engage with us through our website, applications, or other platforms. This may include your name, contact details, business information, and other data relevant to your financing inquiries.

Use of Information

Your information is used to:

Provide services related to equipment financing and working capital.Respond to inquiries and support your financing needs.Conduct marketing and promotional campaigns.Collaborate with third-party lending partners to assess eligibility and process applications.

Sharing of Information

NFS will not sell your personal information to third parties. However, your information may be shared with third-party partners to facilitate marketing efforts, process financing inquiries, or improve service delivery. These partners are contractually obligated to protect your information and use it solely for the purposes outlined by NFS.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

Data Security

NFS uses industry-standard security measures to protect your data. However, no system is completely secure, and we cannot guarantee the absolute security of your information.

3. Data Usage Disclosure

Electronic Communication and Marketing

By providing your contact information, you agree to receive emails, text messages, or other communications from NFS. These messages may include marketing content, financing updates, and general information related to our services.

Opt-Out Policy: You may unsubscribe from marketing communications at any time. Transactional communications related to active inquiries or accounts will continue as needed.

Credit Disclosure

NFS and its lending partners may review your credit history and conduct credit checks to determine eligibility for financing. Submission of information for financing inquiries constitutes consent to such credit reviews.

Third-Party Data Sharing

Your information may be shared with:

Lending partners for financing evaluation and processing.Marketing partners to provide relevant information about products or services.Service providers supporting NFS operations.

We will not sell your information to unauthorized third parties or use it for purposes outside the scope of your engagement with us.

4. No Obligation or Offers

NFS provides information and facilitates introductions to lending partners. At no time does NFS directly offer financing, and any financing agreements are solely between you and the approved lending partner. Any statements made on our website or communications are for informational purposes and do not constitute an offer or guarantee of financing.

5. Legal Disclaimers

No Financial Advice

All information provided by NFS is intended for educational and informational purposes. We do not provide financial, legal, or tax advice.

Limitation of Liability

NFS is not liable for any direct, indirect, incidental, or consequential damages arising from your use of our services.

6. Changes to this Policy

NFS reserves the right to update this TOS and Privacy Policy at any time. Changes will be posted on our website with an updated effective date. Continued use of our services after such updates constitutes your acceptance of the revised terms.