Terms of Service

We do not sell, broker or originate Federally Regulated Mortgages (ARS Title 6, Chapter 9, Articles 1 and 2) or Consumer Loans subject to state licensing, bonding or registration under the purview of the Arizona Department of Insurance and Financial Institutions (AZDIFI). We do not lend on owner occupied properties.

We are short term, private, hard money lenders and do not accept investor money (i.e., act as a fund or syndicate). As private money lenders we are exempt from the Real Estate Procedures Act (RESPA) regulations (12 U.S.C. section 2602 (1) and 12 CFR section 1024.2 x) with one exception, RESPA, section 8; therefore we do not offer referral fees.

These Terms of Service ("Terms") constitute a legal agreement between you ("User," "you," or "your") and Duna LLC, doing business as Fusion Central Capital ("Company," "we," "us," "our"), located in Phoenix, Arizona.

Your use of our website, services, and lending products constitutes your acceptance of these Terms. If you do not accept these Terms in their entirety, you may not use our services.

Services

"Services" refers to all lending products and services offered by Fusion Central Capital, including but not limited to business loans, real estate financing, alternative lending products, and credit card consulting.

Website

"Website" refers to www.fusioncentralcapital.com and any associated pages, content, and functionality.

Application

"Application" refers to any loan application, credit application, or other formal request for services submitted by the User to the Company.

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Be a legal resident of the United States
• Have a valid Social Security Number or EIN (for businesses)
• Meet our creditworthiness and financial requirements
• Not be in default on any existing loans or credit obligations
• Not have filed for bankruptcy within the past 7 years (unless discharged)

We reserve the right to verify your eligibility at any time and to deny services to individuals or businesses that do not meet our requirements.

As part of our standard lending procedures, once your application has been reviewed and initially approved, we require a signed application form and loan agreement before funds can be disbursed. This process includes:

• Initial Application: You submit a preliminary application through our website or directly to our team
• Pre-Qualification Review: We review your basic information and determine pre-qualification status
• Full Application: If pre-qualified, you will receive a complete application package
• Documentation Submission: You provide required documentation including tax returns, bank statements, income verification, and business documents
• Underwriting and Approval: Our team conducts thorough underwriting, credit analysis, and borrower vetting
• Signed Documents: Upon approval, you will receive and must sign the loan agreement, promissory note, and any required disclosures
• Fund Disbursement: Funds are disbursed only after all signed documents are received and processed

Under certain circumstances, such as unusually high loan amounts, complex financial situations, or specific lending products, we may require additional documentation, personal guarantees, or in-person meetings to finalize the signed agreement.

All loans are subject to application, verification, underwriting, and lender approval. We make lending decisions based on:

• Credit history and credit score
• Financial capacity and income verification
• Business history and viability
• Collateral or security offered
• Overall risk assessment
• Compliance with our underwriting standards

We reserve the right to request additional information, conduct verifications, and modify approval status at any time based on new information or changed circumstances.

By submitting an application and accepting our services, you represent and warrant that:

• All information provided is accurate, complete, and truthful
• You have the legal authority to enter into a loan agreement
• You are not operating under any legal restrictions or court orders
• All documents and financial statements provided are authentic and unaltered
• You will use loan funds only for lawful purposes as stated in your application
• You have disclosed all material facts relevant to your creditworthiness
• You are not involved in transactions related to money laundering or terrorist financing

Any misrepresentation or fraud may result in immediate loan denial, fund reclamation, and legal action.

Lending products are subject to various fees and finance charges, including but not limited to:

• Application fees
• Origination fees
• Processing and administrative fees
• Interest charges
• Prepayment penalties (if applicable)
• Late payment fees
• Default interest rates

All applicable fees and finance charges will be disclosed in your loan agreement before you sign. You are responsible for reviewing and understanding all costs associated with your loan.

You agree to repay all borrowed funds according to the payment schedule specified in your loan agreement. Payment obligations include:

• Timely Payments: All payments must be made on or before the due date
• Payment Method: Payments must be made through the method specified by the Company
• Full Repayment: You agree to repay the full principal amount plus all accrued interest and fees
• Acceleration: We reserve the right to declare the entire loan balance immediately due if you default on any payment

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING:

• The accuracy or completeness of information on our website
• The uninterrupted or error-free operation of our website
• The fitness of our services for a particular purpose
• The compatibility of our services with your business goals
• The future performance or success of your business

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FUSION CENTRAL CAPITAL SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits or business opportunity
• Loss of data or information
• Any damages arising from unauthorized access to our website or services
• Any damages exceeding the total amount you paid for our services

You agree not to:

• Provide false, misleading, or fraudulent information
• Use our services for illegal purposes or activities
• Engage in money laundering or terrorist financing
• Attempt to gain unauthorized access to our systems or databases
• Interfere with the operation of our website or services
• Harass or threaten our employees or representatives
• Violate any applicable laws or regulations
• Use our services for fraudulent loan applications
• Misrepresent your identity or creditworthiness

Violation of these terms may result in denial of services, legal action, and criminal referral where applicable.

All content on our website, including text, graphics, logos, images, and software, is the property of Fusion Central Capital or its content suppliers and is protected by United States and international copyright laws.

You may not reproduce, distribute, transmit, or display any content from our website without prior written permission from Fusion Central Capital.

We reserve the right to terminate your access to our services if:

• You violate these Terms of Service
• You provide false or fraudulent information
• You default on any loan obligation
• You engage in conduct harmful to our business or reputation
• You fail to maintain required eligibility standards

Termination of services does not relieve you of your obligation to repay any outstanding loans.

We reserve the right to modify these Terms of Service at any time without prior notice. Modifications become effective upon posting to our website. Your continued use of our services following any modifications constitutes your acceptance of the revised Terms.

We also reserve the right to modify, discontinue, or restrict access to our Services at any time.

These Terms of Service and all lending agreements are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles.

Any legal action or proceeding arising out of these Terms shall be brought exclusively in the courts located in Maricopa County, Arizona. You consent to the exclusive jurisdiction and venue of such courts.

Any dispute, claim, or controversy arising out of or relating to these Terms or our Services shall be resolved through binding arbitration in accordance with the American Arbitration Association (AAA) rules, except for claims seeking injunctive relief.

Arbitration shall take place in Phoenix, Arizona, and shall be governed by Arizona law. Each party shall bear its own costs and attorney's fees unless otherwise awarded by the arbitrator.

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be severed, and the remaining provisions shall remain in full force and effect.

These Terms of Service, together with any loan agreement, promissory note, and other documents provided by Fusion Central Capital, constitute the entire agreement between you and the Company regarding the use of our Services and supersede all prior or contemporaneous communications, agreements, or understandings.

If you have questions about these Terms of Service or our lending practices, please contact us:

Duna LLC (DBA: Fusion Central Capital)
Phoenix, Arizona
Email: legal@fusioncentralcapital.com
Phone: +1 (602) 823-4683
Website: www.fusioncentralcapital.com