Welcome to Cool designs INC. By accessing our website or using our services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully. If you do not agree to these Terms, do not use our services.
1. Acceptance of Terms
By submitting a loan application, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
2. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the legal authority to enter into binding contracts
- Operate a legitimate business entity
- Provide accurate and complete information
3. Loan Application and Approval
Submitting a loan application does not guarantee approval. All applications are subject to underwriting review, credit evaluation, and verification of information. We reserve the right to:
- Approve, deny, or request additional information for any application
- Modify loan terms, amounts, or conditions based on underwriting results
- Withdraw or revoke an offer at any time before funding
4. Loan Terms and Repayment
Specific loan terms, including principal amount, interest rate, fees, and repayment schedule, will be detailed in your loan agreement. By accepting a loan offer, you agree to:
- Repay the full amount borrowed according to the agreed schedule
- Pay all applicable fees, interest, and charges
- Maintain accurate contact and payment information
- Notify us immediately of any changes affecting your ability to repay
Late Payments and Default
Late or missed payments may result in additional fees, interest charges, negative credit reporting, and collection actions. In the event of default, we may pursue legal remedies to recover amounts owed.
5. SMS Terms & Conditions
SMS Opt-In: By providing your mobile phone number and consenting to receive SMS messages, you agree that Cool designs INC may send text messages to the number provided using an automatic telephone dialing system (ATDS) for account notifications, application updates, and service-related communications.
Message Frequency: Message frequency may vary based on your account activity. You may receive up to 10 messages per month.
Message and Data Rates: Message and data rates may apply. Standard messaging rates from your mobile carrier will apply to all messages sent and received. Contact your carrier for pricing details.
Opt-Out Instructions: You may opt out of SMS communications at any time by replying STOP to any message. You will receive a confirmation message. After opting out, you will no longer receive SMS messages from us unless you re-subscribe.
Help: For assistance with SMS messages, reply HELP or contact us at isaac@cool-designs.com.
Consent Not Required: Consent to receive SMS messages is NOT a condition of purchase, loan approval, or receiving any financial services from Cool designs INC. You may apply for and receive funding without agreeing to SMS communications.
Supported Carriers: Our SMS service is available on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Check with your carrier for specific support.
Service Changes: We reserve the right to modify or discontinue SMS services at any time without prior notice.
6. Use of Website
You agree to use our website and services only for lawful purposes. You may not:
- Use our website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems
- Transmit viruses, malware, or harmful code
- Interfere with the proper functioning of our website
- Use automated systems (bots, scrapers) without permission
- Impersonate another person or entity
7. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Cool designs INC and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external sites. Use of third-party sites is at your own risk.
9. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that:
- Our website will be uninterrupted, secure, or error-free
- Information provided will be accurate or complete
- Loan approval or specific terms will be offered
10. Limitation of Liability
To the fullest extent permitted by law, Cool designs INC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services, including but not limited to loss of profits, data, or business opportunities.
11. Indemnification
You agree to indemnify and hold harmless Cool designs INC, its affiliates, officers, directors, and employees from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services or violation of these Terms.
12. Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in New York County, New York, except where prohibited by law.
14. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
15. Termination
We may suspend or terminate your access to our services at any time, with or without cause, and without prior notice. Upon termination, your right to use our services will immediately cease, but all provisions of these Terms that by their nature should survive termination will remain in effect.
16. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
17. Entire Agreement
These Terms, together with our Privacy Policy and any loan agreement you enter into with us, constitute the entire agreement between you and Cool designs INC regarding your use of our services.
18. Contact Information
If you have questions about these Terms, please contact us:
Cool designs INC
580 5th Avenue STE 721A
NEW YORK, NY 10036
Email: isaac@cool-designs.com
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.