Terms of Use

Who these terms are with. FundableClub is operated by Keystone Credit & Capital, based in Atlanta, Georgia. By using this site, the Funding Readiness Estimate or the free membership, you agree to these terms.

The estimate is an estimate. The Funding Readiness Estimate on this site assumes a 36 month term and typical published rate bands for each credit score range, and compares the interest cost of your range with the 720 and up range. It is an educational estimate, not a quote, an offer of credit, a credit decision or a guarantee of any approval, rate, amount or payment. Your actual result depends on the lender you apply with, its own underwriting, your full credit file and, for a business, its time in business, revenue and documents.

Education, not advice. Nothing on this site, in the courses, in the community, in the tools or on a strategy call is financial, tax, investment or legal advice for your specific situation. Speak to a licensed professional, or to a lender directly, before making a decision based on anything you read here.

We are not a lender. FundableClub and Keystone Credit & Capital do not make loans, issue credit cards or approve funding. Any personal loan, business loan, line of credit, credit card, SBA loan, equipment financing or other funding you apply for is issued by that lender or funding provider. Its terms, its rate and its approval decision control, not any estimate or lesson on this site.

The free membership is not credit repair. The free membership teaches you how credit and funding work and how to do the work yourself. It does not dispute items on your behalf, and it makes no promise of any score change, deletion or approval.

Optional paid services. Members may choose to become done-for-you clients of Keystone Credit & Capital. Any paid service, including credit restoration, is provided only under its own separate written contract, which states the services, the total cost and the expected timeframe. For credit restoration, the Credit Repair Organizations Act gives you three business days to cancel after signing, and no fee is charged before the work is performed. Those contracts, not these terms, govern paid services.

Membership and community. Membership is free, one account per person. Keep your password private; you are responsible for activity on your account if you share it. In the community, be honest, do not present advice as a professional opinion, never post account numbers or your Social Security number, and treat other members the way you would want to be treated. The experts answer general questions for education only. We can remove a post, a reply or an account that breaks these terms.

Use of the site. Do not submit false information, attempt to disrupt the site, scrape it, or use it for anything unlawful.

Liability. This site, the estimate, the courses and the tools are provided as is, without warranty of any kind. To the fullest extent the law allows, Keystone Credit & Capital is not liable for decisions you make based on an estimate, a course, a tool, or anything posted by another member.

Governing law. These terms are governed by the laws of the United States and the State of Georgia, without regard to conflict of law rules.

Contact. support@fundableclub.example