Last Updated: March 17, 2025
These Terms of Service ("Terms") govern your access to and use of the website spes-financial.com and the financial services provided by SPES Financial LLC ("we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms.
By using our website or applying for our financial services, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, you must discontinue use immediately.
SPES Financial LLC provides direct lending and financial services, including but not limited to:
All services are subject to approval and underwriting criteria. We reserve the right to decline any application at our sole discretion.
To use our services, you must:
You agree to:
If you opt in to receive SMS/MMS messages from SPES Financial LLC, the following terms apply:
We use an automated telephone dialing system (ATDS) to deliver SMS messages. Mobile carriers are not liable for delayed or undelivered messages. We do not guarantee message delivery and are not responsible for carrier-related issues.
All content on this website, including text, graphics, logos, images, and software, is the property of SPES Financial LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
To the fullest extent permitted by law, SPES Financial LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to:
Our total liability for any claim arising out of these Terms or our services shall not exceed the amount paid by you to SPES Financial LLC in the 12 months preceding the claim.
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that our website will be error-free, uninterrupted, or secure.
You agree to indemnify, defend, and hold harmless SPES Financial LLC and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our services, violation of these Terms, or infringement of any third-party rights.
We reserve the right to terminate or suspend your access to our website and services at any time, without prior notice, for any reason, including but not limited to violation of these Terms, fraudulent activity, or misuse of our services.
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
You agree to waive any right to a jury trial or to participate in a class action lawsuit.
We may update these Terms from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website and services after changes are posted constitutes your acceptance of the revised Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and SPES Financial LLC regarding your use of our website and services, superseding any prior agreements or understandings.
If you have questions or concerns about these Terms, please contact us:
SPES Financial LLC