1. Eligibility
Our loan programs and services are available to individuals and businesses that meet our underwriting criteria. By applying for financing, you confirm that all provided information is accurate, complete, and truthful. You must have the legal capacity to enter into a financial agreement and be in compliance with all applicable laws and regulations. Providing false or misleading information may result in application denial or termination of any existing agreements.
2. Loan Application and Approval
All loan applications undergo a thorough review process based on our underwriting policies. Approval is not guaranteed and depends on various factors, including creditworthiness, available collateral, business history, and risk assessment. We may request additional documentation to verify your financial standing.
Killpack Capital Holdings reserves the right to modify loan terms, offer alternative financing solutions, or deny applications at our sole discretion. If approved, borrowers must adhere to the terms outlined in the loan agreement.
3. Interest Rates and Fees
Interest rates, fees, and repayment terms vary depending on loan type, credit profile, and market conditions. All applicable charges, including origination fees, late fees, and prepayment penalties (if any), will be clearly disclosed in your loan agreement. Borrowers are responsible for reviewing and understanding these costs before accepting financing. Failure to comply with repayment obligations may result in additional penalties, increased interest rates, or legal proceedings to recover owed amounts.
4. Use of Funds
Loan proceeds must be used strictly for the purpose specified in the loan agreement. Any deviation from the agreed purpose without prior written consent may result in immediate loan termination and legal consequences. Killpack Capital Holdings reserves the right to request documentation verifying the proper use of funds. Borrowers are responsible for ensuring that funds are allocated efficiently and lawfully.
5. Repayment and Default
Timely repayment of loan obligations is essential. Borrowers must make all scheduled payments as outlined in the loan agreement. Late or missed payments may incur additional fees, increased interest rates, and potential damage to credit standing.
In the event of default, Killpack Capital Holdings reserves the right to take legal action, enforce collateral claims, or initiate collections to recover outstanding balances. Borrowers are encouraged to communicate any financial difficulties promptly to explore alternative repayment options.
6. Confidentiality and Privacy
We are committed to safeguarding your personal and financial information. Our privacy policy outlines how we collect, use, and protect your data. You consent to our data collection and processing practices by using our services. We do not sell or share your information with unauthorized third parties. However, we may disclose certain details to regulatory agencies, legal entities, or credit bureaus as required by law or in cases of loan default.
7. Disclaimers and Liability
Killpack Capital Holdings provides financing services on an “as-is” and “as-available” basis. While we strive to offer reliable financial solutions, we do not guarantee specific results, financial performance, or loan approvals. We are not liable for any financial losses, business interruptions, or damages resulting from the use of our services. Borrowers are responsible for conducting their own due diligence and seeking independent financial or legal advice before entering into any loan agreement.
8. Modifications to Terms
We reserve the right to modify these terms and conditions at any time. Any updates will be posted on our website and take effect immediately upon publication. It is the borrower’s responsibility to review these terms periodically. Continued use of our services after changes are made constitutes acceptance of the revised terms.
9. Governing Law
These terms and conditions are governed by the laws of Utah. Any disputes, claims, or legal matters arising from our services shall be resolved in accordance with the jurisdiction and legal framework of this state. Borrowers agree to submit to the exclusive jurisdiction of the state and federal courts within the applicable region.
10. Contact Information
For any questions, concerns, or support regarding these terms and conditions, please contact us at:
801-691-4927
adam@killpackcapital.com
By using our services, you acknowledge that you have read, understood, and agreed to these terms and conditions.