Terms of Service

These Terms of Service ("Terms") govern your use of the website maior.ai ("Site") and any related services provided by Maior.ai ("Maior," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old and legally able to enter into binding contracts to use the Site and our services.

2. Description of Services

Maior provides credit evaluation, underwriting, and financing services for small and medium-sized businesses. Use of services is subject to eligibility and approval.

3. Your Responsibilities

You agree to:

• Provide accurate and complete information;
• Use the Site and services only for lawful purposes;
• Maintain confidentiality of any account credentials.

4. Use of Third-Party Services (Including Plaid)

We may use third-party services, including Plaid, to securely access and transmit your financial data. By using our services, you authorize Maior to retrieve and use this data solely for credit assessment and servicing. You also agree to Plaid’s Privacy Policy.

5. Intellectual Property

All Site content, including text, graphics, logos, and software, is owned by Maior or its licensors. You may not reproduce, distribute, or use any content without our prior written consent.

6. Disclaimers

The Site and services are provided "as is" and "as available." We make no warranties, express or implied, about the accuracy or availability of services.

7. Limitation of Liability

To the extent permitted by law, Maior will not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or services.

8. Indemnification

You agree to indemnify and hold harmless Maior from any claims or liabilities arising out of your use of the Site or violation of these Terms.

9. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

10. Modifications to Terms

We may revise these Terms at any time. Changes will be posted on this page and will take effect upon posting. Your continued use constitutes acceptance of the updated Terms.