TERMS AND CONDITIONS
Electronic Signature Agreement. By selecting the "I Accept" button, you are signing this Agreement electronically. You agree your electronic signature is the legal equivalent of your manual/handwritten signature of this Agreement. By selecting "I Accept" using any device, means or action, you consent to the legally binding terms and conditions of this Agreement. You further agree that your signature on this document (hereafter referred to as your "E-Signature") is as valid as if you signed the document in writing. You also agree that no certification authority or other third party certification is necessary to validate your E-Signature, and that the lack of such certification or third party verification will not in any way affect the enforceability of your E-Signature or any resulting agreement between you and Merchant Capital Source dba Zinch. You are also confirming that you are authorized to enter into this Agreement.
Application Terms & Conditions. (i) Loans or Merchant Cash Advances will be made in California (i.e. no contract will be formed until Merchant Capital Source dba Zinch (“Zinch”) receives and accepts the Business Loan & Security Agreement or Purchase Agreement in California. (ii) The Business Loan & Security Agreement or Purchase Agreement will be governed by California law and payments are not accepted until received by Zinch in California. (iii) Zinch will conduct independent due diligence of each merchant that desires financing from Zinch, and Zinch may deny financing to any applicant at its sole discretion. (iv) Merchant acknowledges and agrees that a consumer or investigative report, including a credit check with a recognized credit reporting agency or agencies, may be conducted in connection with this application. Merchant hereby authorizes Zinch and its agents and representatives to initiate such reports, investigations and/or credit checks, investigate any statements made or data received from or about Merchant and/or its owners/shareholders (i.e. landlord verification) and contact any references given by Merchant or its owners/shareholders. By checking “I Accept”, you consent to receive telemarketing calls and messages from Zinch and those acting on its behalf at the telephone number you have provided (including your mobile phone number). You agree that this consent applies even if the number you have provided is currently on any state, federal, or corporate Do-Not-Call registry; and understand that you are not required to provide this consent as a condition of receiving any credit or services from Zinch, and that you may apply for business credit by contacting us directly.