Terms & Conditions
Effective Date: 06/01/2026
These Terms & Conditions (this “Agreement”) are a binding contract between you and Improve Solutions, LLC, doing business as Impruve Finance (“Impruve,” “we,” “us,” or “our”). This Agreement governs your access to and use of our website, mobile and web applications, and related software and services (collectively, the “Services”). Please read it carefully and keep a copy for your records.
By accessing or using the Services — including by creating an account, submitting a financing application, clicking “I Agree,” or otherwise using the Services — you agree to be bound by this Agreement and by any additional terms, disclosures, and instructions presented to you on screen. If you do not agree, do not use the Services. This Agreement does not by itself create any loan; your loan, if any, is governed by the separate loan documents described in Section 6.
To use the Services you must be at least 18 years old (or the age of majority in your state), a U.S. resident with a valid U.S. address, and able to form a legally binding contract. Business users represent that they are authorized to act on behalf of the entity they represent. You agree to provide accurate, current, and complete information and to keep it updated.
Impruve provides a technology platform and, where applicable as a state-licensed lender, consumer financing for point-of-sale and home-improvement purchases. The Services let Consumers apply for financing and manage their accounts, and let Businesses (merchants and contractors) submit financing requests, track project and financing status, and receive payouts.
Not a bank. Impruve is not a bank and is not FDIC-insured. We do not offer deposit, checking, savings, or investment accounts. Certain loans facilitated through the platform may be originated by a Bank-as-a-Service partner bank, in which case additional terms and the bank’s disclosures will apply and will be presented to you at application.
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to use a strong, unique password, enable multi-factor authentication where offered, and notify us immediately at [support email/phone TBD] if you suspect unauthorized access. We may suspend or restrict access if we reasonably believe your account security has been compromised. We will never ask you to share your password, and you should not share it with anyone.
The Services are provided electronically. By using the Services, you consent under the federal E-SIGN Act and applicable state law to receive all communications, agreements, disclosures, notices, and records (“Communications”) electronically — including this Agreement, your loan documents and Truth in Lending disclosures, privacy notices, statements, and legally required notices — and you agree that electronic signatures and records satisfy any requirement that such Communications be in writing.
• System requirements: you will need a current web browser or our application, an active email account, internet access, and the ability to view and retain PDF documents.
• Updating contact information: you must keep your email address and phone number current so we can deliver Communications.
• Withdrawing consent: you may withdraw consent to electronic Communications by contacting us, but because the Services are delivered electronically, withdrawal may mean we can no longer provide the Services or a particular loan; withdrawal does not affect the validity of prior electronic Communications.
Submitting an application does not guarantee approval or funding. We (or a partner bank) will evaluate your application using information you provide and information obtained from third parties, including consumer reporting agencies.
• Your loan agreement controls: if your application is approved, your loan will be governed by a separate loan agreement, promissory note, and Truth in Lending Act (TILA) disclosures (the “Loan Documents”). If the Loan Documents conflict with this Agreement as to your loan, the Loan Documents control.
• Credit inquiries and reporting: you authorize us and any partner bank to obtain consumer reports and to furnish information about your account to consumer reporting agencies, consistent with the FCRA.
• Payments and autopay: payment terms, automatic payments, and any ACH authorization are governed by the Loan Documents and our payment authorization terms; you may revoke an ACH authorization as described there.
• Servicing: we or a designated servicer will service your loan; servicing may be transferred, in which case you will receive notice as required by law.
• Servicemembers: protections under the Servicemembers Civil Relief Act and Military Lending Act, where applicable, are described in your Loan Documents.
If you apply for financing in connection with a purchase from a merchant or contractor that uses our platform, you authorize us to share your application and loan status and relevant transaction details with that merchant or contractor to facilitate your project. Merchants and contractors are independent third parties. Impruve does not perform, warrant, or guarantee any merchant’s or contractor’s goods, services, workmanship, timelines, or pricing, and is not responsible for disputes between you and a merchant or contractor. Your obligation to repay a loan is independent of any dispute with a merchant or contractor, except as expressly provided by law (including, where applicable, FTC Holder Rule rights stated in your Loan Documents).
To comply with federal law, including the USA PATRIOT Act and applicable anti-money-laundering rules, we collect and verify information that identifies you, and we may use third-party identity-verification, fraud-prevention, and data-aggregation providers.
• Account linking: if you link a financial account (for example, through a provider such as Plaid) to verify income or set up payments, you authorize that provider and Impruve to access and use the information as needed for the Services, and you agree that the provider’s own terms and privacy policy also apply.
• Accuracy and authority: you represent that any information you provide — including information about any linked account — is accurate and that you are authorized to provide it and to grant the access described.
With your consent, we may contact you by SMS/text and by phone (including prerecorded or autodialed messages where you have consented) at the numbers you provide, for transactional purposes where you have opted in or requested them, and — only where you separately opt in — for marketing.
• Consent is not a condition of credit or service: you are not required to agree to receive any marketing or recurring account/application texts or calls as a condition of applying for, obtaining, or servicing a loan or service.
• Opting out: you may opt out of texts at any time by replying STOP to any message; message and data rates may apply, and message frequency varies. You may withdraw call consent by contacting us.
• Call recording and number updates: calls may be monitored or recorded for quality and compliance among other purposes, and you agree to notify us promptly if your phone number changes.
• How you consent: you ask us to text you a one-time secure application link at the point of sale, by requesting the application verbally through a participating contractor; we send that single link to fulfill your request, and you may instead choose email delivery. Separately and optionally, you consent to recurring text updates about your application and account only by checking the dedicated, optional SMS box in the application — not by submitting the application and not by agreeing to these Terms. This recurring-text consent is not required to apply for, obtain, or service a loan, and you may decline or reply STOP at any time and still use the Services.
• Help: reply HELP to any message for help, or contact us using the information in Section 23.
• Delivery: carriers are not liable for delayed or undelivered messages.
• Mobile opt-in is not shared for others' marketing: we do not sell or share your text-messaging consent (your mobile opt-in) with third parties or affiliates for their own marketing. See our Privacy Policy for how we handle your mobile information.
You agree not to, and not to permit anyone to:
• use the Services for any unlawful, fraudulent, or unauthorized purpose, or to submit false, inaccurate, or stolen information;
• access another user’s account, or attempt to bypass authentication, rate limits, or security controls;
• introduce malware, scrape or harvest data, reverse engineer, or interfere with or disrupt the Services or supporting infrastructure;
• copy, modify, distribute, sell, or create derivative works from the Services except as expressly permitted; or
• use the Services to infringe intellectual-property or privacy rights or to harass, defame, or harm others.
The Services, including all software, text, graphics, logos, the Impruve name and marks, and their selection and arrangement, are owned by Impruve or its licensors and are protected by intellectual-property laws. Subject to this Agreement, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your own personal or internal business use. All rights not expressly granted are reserved. You may not use our marks without our prior written permission.
You retain ownership of information and materials you submit (“Your Content”), but you grant Impruve a worldwide, royalty-free license to use, host, reproduce, and process Your Content as needed to provide and improve the Services and as permitted by our Privacy Policy. If you provide reviews, suggestions, or other feedback, you grant Impruve an unrestricted, perpetual right to use that feedback without obligation or compensation to you. You are responsible for Your Content and represent that you have the rights necessary to provide it.
The Services may link to or integrate with third-party websites and services that we do not control. We provide these for convenience and do not endorse and are not responsible for third-party content, products, or practices. Your use of third-party services is governed by their terms and privacy policies.
EXCEPT AS EXPRESSLY STATED IN YOUR LOAN DOCUMENTS OR REQUIRED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Services will be uninterrupted, secure, or error-free. Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IMPRUVE AND ITS AFFILIATES, PARTNER BANKS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID US FOR THE SERVICES GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE IT AROSE, WHICHEVER IS GREATER. Nothing in this Agreement limits liability that cannot be limited by law, and these limits do not alter your rights or our obligations under your Loan Documents or applicable consumer-financial-protection law.
To the extent permitted by law, you agree to indemnify and hold harmless Impruve and its affiliates, partner banks, and service providers from third-party claims, losses, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Services, your violation of this Agreement or applicable law, or your infringement of any third party’s rights. This Section does not apply to a Consumer except to the extent permitted by applicable consumer-protection law.
Informal resolution first. We want to resolve any concern quickly and fairly. Before bringing a legal claim, you and Impruve agree to first attempt to resolve the dispute informally by sending written notice describing the claim to the other party and negotiating in good faith for at least thirty (30) days.
If informal resolution fails. If the dispute is not resolved within that period, either party may pursue the claim in court, subject to the governing law and venue in Section 18. Either party may also bring an individual claim in small-claims court for any dispute within that court’s jurisdiction. If your Loan Documents contain their own dispute-resolution terms, those terms govern your loan.
Except as otherwise required by federal law (including, as to any loan originated by a partner bank, the laws stated in your Loan Documents), this Agreement is governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute not resolved under Section 17 will be brought exclusively in the state or federal courts located in the State of Delaware, and you and Impruve each consent to the personal jurisdiction and venue of those courts.
We may modify, suspend, or discontinue any part of the Services at any time. We may also change this Agreement; when we do, we will post the updated Agreement and revise the Effective Date, and where required by law we will provide advance notice. Your continued use of the Services after the changes take effect constitutes acceptance. Changes to your loan terms, if any, will be handled through your Loan Documents and applicable law, not this Agreement.
You may stop using the Services at any time. We may suspend or terminate your access to the Services, with or without notice, if we reasonably believe you have violated this Agreement or applicable law, or to protect the Services, other users, or our partners. Termination of platform access does not affect your obligation to repay any loan or any rights and obligations under your Loan Documents. Sections that by their nature should survive (including Sections 11, 12, 14, 15, 16, 17, 18, and 22) will survive termination.
The Services are intended for use in the United States. We make no representation that the Services are appropriate or available for use outside the United States, and you agree to comply with all applicable U.S. export-control and sanctions laws.
• Entire agreement: this Agreement, together with the Privacy Policy and any terms presented at point of use (and, for your loan, the Loan Documents), is the entire agreement between you and Impruve regarding the Services.
• Severability: if any provision is held unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be modified to the minimum extent necessary.
• Assignment: you may not assign this Agreement without our consent; we may assign it, including to a partner bank or successor.
• No waiver: our failure to enforce any provision is not a waiver of it.
• Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control.
• Headings and interpretation: headings are for convenience only and do not affect interpretation.
Improve Solutions, LLC (d/b/a Impruve Finance)
support@impruvefinance.com
· www.impruvefinance.com
· 302-601-4025
· [Mailing address TBD]