Terms & Conditions

Last Updated: March 19, 2026

Welcome to D & S LIFE, LLC. By accessing our website or using our services, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding.

Acceptance of Terms

By using our website, submitting a funding application, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. If you do not agree with any part of these terms, you may not use our services.

Eligibility

Our services are available only to businesses and individuals who:

• Are at least 18 years of age
• Have the legal authority to enter into binding contracts
• Operate a legitimate business in the United States
• Provide accurate and truthful information in all applications

Application Process

When you submit a funding application to D & S LIFE, LLC:

• You authorize us to review your credit history, financial records, and business information
• You represent that all information provided is accurate, current, and complete
• You understand that submission of an application does not guarantee approval or funding
• You agree to provide additional documentation as requested during the underwriting process

Loan Terms and Conditions

If your application is approved:

• You will receive a formal loan offer outlining the funding amount, fees, interest rate (if applicable), and repayment terms
• You must review and sign the loan agreement before funding is disbursed
• Repayment terms will be clearly stated in your loan agreement and may not be modified without written consent from both parties
• You are responsible for making timely payments according to the agreed-upon schedule

Fees and Charges

All fees, interest rates, and charges will be disclosed upfront in your loan offer. Typical fees may include:

• Origination fees
• Processing fees
• Late payment fees (if applicable)
• Prepayment fees (if applicable)

We do not charge hidden fees. All costs will be clearly outlined before you sign your agreement.

SMS Terms & Conditions

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of D & S LIFE, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Reproduce, distribute, or modify any content without written permission
• Use our trademarks or branding without authorization
• Reverse-engineer or attempt to extract source code from our website

Prohibited Uses

You agree not to use our website or services for any unlawful or prohibited purpose, including but not limited to:

• Providing false, misleading, or fraudulent information
• Attempting to gain unauthorized access to our systems
• Transmitting viruses, malware, or harmful code
• Harassing, threatening, or abusing our staff or other users
• Violating any applicable federal, state, or local laws

Limitation of Liability

To the fullest extent permitted by law, D & S LIFE, LLC shall not be liable for:

• Indirect, incidental, consequential, or punitive damages arising from your use of our services
• Losses resulting from denial of a funding application
• Errors, interruptions, or delays in website functionality
• Third-party actions or content

Our total liability in any matter related to these Terms shall not exceed the amount of fees you have paid to us.

Indemnification

You agree to indemnify, defend, and hold harmless D & S LIFE, LLC, its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms and Conditions
• Your use of our services
• Your provision of false or fraudulent information
• Your violation of any third-party rights

Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles.

Any disputes arising from these Terms or your use of our services shall be resolved through:

• Good-faith negotiation between the parties
• Binding arbitration in Columbus, Ohio (if negotiation fails)
• The state or federal courts located in Franklin County, Ohio (for matters not subject to arbitration)

Severability

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

Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will be posted on this page with a revised "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

Contact Information

If you have any questions about these Terms and Conditions, please contact us:

By using our website or services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.