TERMS & CONDITIONS

Effective Date: January 1, 2026

Welcome to Independent Force LLC. By accessing or using our website, services, or products, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and Independent Force LLC ("we," "us," or "our"). By using our website or services, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

2. Use of Our Services

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You may not:

• Use our services in any way that violates applicable federal, state, or local laws
• Transmit any false, misleading, or fraudulent information
• Interfere with or disrupt the operation of our website or services
• Attempt to gain unauthorized access to any portion of our website or systems
• Use automated systems (bots, scrapers, etc.) without our express written permission

3. Financing Applications

When you submit a financing application through our website or services, you agree that:

• All information provided is accurate, complete, and truthful
• We may verify the information you provide through third-party sources
• Submission of an application does not guarantee approval or funding
• We reserve the right to approve or deny any application at our sole discretion
• Approved financing is subject to execution of a separate loan or financing agreement

4. SMS Terms & Conditions

If you opt-in to receive SMS text messages from Independent Force LLC, the following terms apply:

• Consent: By providing your mobile phone number and opting in, you expressly consent to receive text messages from Independent Force LLC. Messages may be sent using an automatic telephone dialing system (ATDS). Consent is NOT a condition of purchase or required to receive our financing services.
• Message Frequency: Message frequency may vary based on your account activity and preferences. You may receive informational, transactional, or promotional messages.
• Message and Data Rates: Message and data rates may apply as determined by your mobile carrier. Please check with your carrier for details on your plan.
• Opt-Out: You may stop receiving text messages at any time by replying STOP to any message. You will receive a confirmation of your opt-out, and no further messages will be sent unless you re-subscribe.
• Help: For help or more information, reply HELP to any message or contact us at mark@independent-force-usa.com.
• Carrier Compatibility: Our SMS service is supported by major U.S. carriers, including AT&T, T-Mobile, Verizon, Sprint, and others. Service availability may vary by carrier.
• No Warranty: We do not guarantee that SMS messages will be delivered or received. Delays or failures in delivery may occur due to carrier issues, network problems, or device limitations.

5. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and design elements, is the property of Independent Force LLC or our 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.

6. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party websites is at your own risk.

7. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our website or services will be uninterrupted, secure, or error-free
• The information provided on our website is accurate, complete, or current
• Any defects or errors will be corrected

8. Limitation of Liability

To the fullest extent permitted by law, Independent Force LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify, defend, and hold harmless Independent Force LLC and its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our website or services, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms shall be resolved in the state or federal courts located in Athens County, Ohio.

11. Modifications to Terms

We reserve the right to modify or update these Terms at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our website or services after any changes constitutes acceptance of the revised Terms.

12. 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.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Independent Force LLC regarding your use of our website and services, and supersede any prior agreements or understandings.

14. Contact Us

If you have questions or concerns about these Terms & Conditions, please contact us at:

Independent Force LLC
14 Roxbury Drive
Athens, OH 45701
Email: mark@independent-force-usa.com