Terms & Conditions

Welcome to Caribana Inc. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By using this website or engaging with 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, please discontinue use of our website and services immediately.

2. Use of Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. Prohibited behavior includes:

• Attempting to gain unauthorized access to our systems
• Transmitting viruses, malware, or other harmful code
• Engaging in fraudulent activities
• Using automated systems to scrape data from the website

3. Financial Services and Products

Caribana Inc provides working capital loans, revenue-based financing, equipment financing, and related business funding services. All financing is subject to:

• Credit approval and underwriting evaluation
• Verification of business information and financial statements
• Compliance with applicable laws
• Execution of appropriate financing agreements

We reserve the right to decline any application for financing at our sole discretion.

4. Accuracy of Information

You represent and warrant that all information you provide to us is accurate, complete, and current. Providing false or misleading information may result in the termination of your application or financing relationship.

5. SMS Terms & Conditions

By consenting to receive text messages, you agree to receive recurring marketing and promotional SMS/MMS messages from Caribana Inc sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

Message Details

• Frequency: Message frequency varies. You may receive up to 4 messages per month.
• Costs: Message and data rates may apply based on your carrier plan.
• Opt-Out: Reply STOP to any message to opt out immediately. You will receive a confirmation of your opt-out request.
• Help: Reply HELP for assistance or contact us at nichole@the-caribana.com.
• Not Required: Consent is NOT a condition of purchase or use of our services.

Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. We are not responsible for messages that are blocked, filtered, or delayed by your carrier.

6. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Caribana Inc and is protected by copyright and trademark laws. You may not reproduce or distribute content without our express written permission.

7. Limitation of Liability

To the fullest extent permitted by law, Caribana Inc, its officers, directors, and employees shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of our website or services.

8. Indemnification

You agree to indemnify and hold harmless Caribana Inc from any claims, damages, losses, and expenses (including attorney fees) arising from your use of our website or services, or your violation of these Terms.

9. Governing Law

These Terms and Conditions are governed by the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Lake County, Illinois.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms.

11. Contact Information

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

Caribana Inc
5250 Grand Ave
Gurnee, IL 60031
Email: nichole@the-caribana.com