Terms and conditions

The terms 'Terms of Use' and 'Terms and Conditions' are used interchangeably and refer to the same agreement. Please note that separate or additional terms of service may apply to certain websites or applications. 

For information about how we collect, use, and share your personal data, please refer to our Privacy Policy at https://minoritybusinesscircle.com/privacy-policy. By using this platform, you also agree to the terms and conditions outlined in our Privacy Policy, which is incorporated into these Terms of Use by this reference. 

As of the effective date of these terms, our Services encompass the following key features:

Using our site

By accessing Minority Business Circle, you signify your agreement to these Terms of Use. You must use our site and services in compliance with applicable laws. We reserve the right to suspend or terminate access if you violate our policies or are under investigation for misconduct.

Changes to terms

Minority Business Circle, Inc., reserves the right to modify these Terms of Use at any time. We will notify you of any changes to these terms by posting the updated Terms of Use on this website and indicating the "Last Updated" date. In some cases, we may also send an email notification or pop-up notice within the service.

It's your responsibility to regularly review these Terms for updates. Your continued use of the site and services after the changes have been made will constitute your acceptance of the revised Terms of Use. Please note that separate or additional terms of service may apply to certain websites or applications. As of the effective date of these terms, our Services encompass the following key features:

Termination clause

Minority Business Circle, Inc., reserves the right to terminate or suspend your account and access to the services, at its sole discretion, without notice, for conduct that Minority Business Circle, Inc., believes violates these Terms of Use or is harmful to other users, Minority Business Circle, Inc., or third parties, or for any other reason.

Upon termination, all rights and licenses granted to you in these Terms of Use immediately end, and you must cease all use of the services. Minority Business Circle, Inc., is not liable to you or any third party for termination of the services or termination of your use of the services.

Communications

We may send you announcements and vital information related to your site usage. You have the option to opt out of certain communications.

Community advice and reviews

This platform allows users to participate in forums to discuss and review business-related topics. It's a space for you to offer your advice and ask questions. You can also provide reviews on products or services you've used.

User content and copyright

By posting content to Minority Business Circle forums and review sections, you grant Minority Business Circle, Inc., a non-exclusive, royalty-free, perpetual, and worldwide license to use, display, and distribute said content in any form, including but not limited to the website, social media, and marketing materials. This license will continue even after you stop using our services.

You represent and warrant that you own or have the necessary permissions to use and authorize the use of your content as described herein. You retain your rights to any content you submit, post, or display on or through the services. If you believe that any content violates your copyright, please contact us at support@minoritybusinesscircle.com for matters related to copyright infringement.

Access to financial product offers

Our service provides a targeted list of financial product offers based on your profile and needs. It also includes third-party tools like pre-qualification metrics, approval odds, and loan calculators to help you evaluate these offers.

While we strive to present reliable and accurate financial offers, these are subject to change and depend on various factors such as your credit score, income level, employment status, existing debts, financial history, and current economic conditions. Always read the terms and conditions and consult with a financial advisor before making any financial commitments.

Affiliate links

This website may contain affiliate links, meaning that Minority Business Circle, Inc., could earn a commission when you click on a link and engage with an affiliate. Clicking on an affiliate link supports our business, enabling us to deliver valuable content and services.

We exclusively endorse products or services that we deem valuable to our users. Whether or not to purchase any mentioned product or service on this website is entirely at your discretion.

It's crucial to comprehend that the information and viewpoints shared on this website are grounded in our research and experience. While we aim to offer accurate and dependable information, we encourage you to conduct your own research for informed decision-making.

General requirements

Accessing several facets of our Services, such as grant details, curated vendors, lending vendors, and personalized partner offers, may require you to register for a Minority Business Circle member account. Registration is optional, but without an account, some Services won't be accessible.

When registering for a Minority Business Circle member account, you affirm that:

• You are 18 years old or above.
• You possess a valid US Social Security Number, a Green Card, or an Individual Taxpayer Identification Number.
• All provided information, both during registration and in the future, is accurate and current.
• You're registering an account for yourself or your business.
• You'll maintain updated information.
• You'll create a unique password for your Minority Business Circle access. 

You must not sell, transfer, or assign your account. Safeguard your password and avoid sharing it. Notify us at security@minoritybusinesscircle.com immediately if you suspect any security breach.

Third-party offers

While our partners provide offers, we don't guarantee specific product or service offers or approval criteria. Applying for partner offers is your choice; we won't submit applications on your behalf without your consent.

Educational purposes

The information presented on our Services is solely for educational purposes. We don't assure that the information we provide matches what third parties use to assess your creditworthiness or eligibility.

Legal disclaimer

We are not lawyers. Minority Business Circle does not offer legal or financial advice for personal or professional use. Third-party services, coaches, mentors, instructors, advisors, and independent contractors are not represented by Minority Business Circle beyond referral services.

Limitation of liability

To the extent allowed by law, Minority Business Circle, Inc., its affiliates, officers, directors, employees, agents, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from the use or the inability to use the service, unauthorized access to or use of our servers, and personal information stored therein.

This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory, and whether or not Minority Business Circle, Inc., has been informed of the possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Nondiscrimination statement 

At Minority Business Circle, Inc., we are committed to fostering an inclusive and equitable community. We strictly prohibit any form of discrimination against any individual based on race, color, ethnicity, national origin, gender, gender identity, gender expression, sexual orientation, age, disability, religion, economic status, or any other characteristic defined as a "Minority" under our inclusive definition.

Definition of "Minority"

A "Minority" at Minority Business Circle, Inc., includes, but is not limited to, individuals who identify as:

• Racial or Ethnic Minority: Individuals who belong to racial or ethnic groups historically underrepresented or disadvantaged.
• Gender Minority: Individuals whose gender identity differs from the sex assigned to them at birth, including transgender, non-binary, and gender non-conforming individuals.
• Sexual Orientation Minority: Individuals who identify as lesbian, gay, bisexual, queer, or any other non-heterosexual orientation within the LGBTQ+ community.
• Persons with Disabilities: Individuals who have physical, cognitive, sensory, or other impairments that may create barriers to their full participation in society.
• Economic Hardship: Individuals who face economic disadvantages, low income, or financial hardships that may affect their access to opportunities.
• Religious or Faith Minority: Individuals who adhere to religious or faith traditions that may lead to discrimination or bias in certain contexts.
• Age Minority: Individuals who are younger or older than the majority in a particular setting and may face age-related discrimination.

This definition is not exhaustive, and we remain committed to providing equal opportunities, support, and resources to all individuals who identify as part of a minority group, irrespective of their specific characteristics. 

Zero tolerance policy

We strictly prohibit discrimination, harassment, or bias on this platform. Violators may face potential account termination. Our commitment is rooted in promoting diversity, equity, and inclusion for all members of our community.

Scope of policy

This policy applies to all users who interact on the Minority Business Circle platform. It doesn't apply to interactions outside our platform, even if initiated through our services.