Terms of Use — MCA.AI
Effective Date: October 5, 2025
Introduction
These Terms of Use (“Terms”) are a legal agreement between you (“User,” “you,” or “your”) and MCA Summer School LLC, DBA MCA.AI (“MCA.AI,” “we,” “us,” or “our”), governing your access to and use of the website located at mca.ai and related sites, content, products, and services (collectively, the “Site” and “Services”). By accessing or using the Site or Services, you agree to be bound by these Terms and MCA.AI’s Privacy Policy.
If you do not agree with these Terms, you are not authorized to use the Site or Services.
1 Description of Services
MCA.AI provides business cash advance funding services designed to help small businesses access and manage capital. MCA.AI may also offer optional tools and features designed to help business owners organize and present business information for review and underwriting, including but not limited to:
- AI-Assisted Tools that facilitate structured questions, narrative generation, and profile organization;
- Bank & Cashflow Analysis to evaluate financial patterns and produce summaries; and
- Verified Funding Profile packages that may include organized application information, narrative summaries, bank and cashflow analysis summaries, a funding verification certificate, and related acknowledgments.
- AI-Assisted Tools (Including ChatGPT). MCA.AI may offer optional AI-assisted tools designed to help organize, summarize, structure, and present business information, including application responses, business narratives, and related materials. These tools may include services powered by large language models (such as ChatGPT) and may be used to support workflow efficiency and information organization. AI-assisted tools do not make funding decisions or underwriting determinations and do not provide legal, financial, tax, or investment advice. Users remain solely responsible for the accuracy and completeness of all information submitted, whether provided directly, through an authorized broker or ISO, or through AI-assisted tools.
These optional tools and packages may be offered at MCA.AI’s discretion and may not be available to all Users. Availability is not guaranteed.
2 Use of Site and Services:
By using the Site and Services, you agree to the following:
a. Exclusive Use. Your account is for your business use only and may not be transferred or shared with others.
b. Information Submitted
You are solely responsible for all information you provide directly, or authorize a third party (such as a broker) to provide on your behalf, including any documentation submitted in connection with funding applications or other Services. You represent and warrant that all information is accurate, truthful, and complete. If MCA.AI determines that your provided information is incomplete, fraudulent, false, or otherwise inaccurate, MCA.AI may terminate your access to the Services.
c. Broker/ISO Submissions; Authority; Merchant Consent
If you are a broker, ISO, or other third-party representative submitting information to MCA.AI, you represent and warrant that you have obtained all necessary rights, permissions, and consents from the business owner(s) and/or authorized signatory(ies) (“Merchant”) to provide MCA.AI with the Merchant’s information and documentation, including bank statements and other financial records, for purposes of underwriting, funding evaluation, and related Services. You further represent and warrant that your submission of Merchant information complies with all applicable laws and any agreements between you and the Merchant.
You acknowledge and agree that your relationship with the Merchant is independent of MCA.AI, and you are not an agent of MCA.AI. MCA.AI may rely on information and documentation you submit as authorized and accurate without independent verification.
You agree to defend, indemnify, and hold harmless MCA.AI from any claims, disputes, damages, or liabilities arising out of or related to your submission of Merchant information, including any claim that you lacked authority or failed to obtain required consent.
Merchant onboarding (including DocuSign and Plaid authorization) may be required at a later stage directly from the Merchant before final funding is completed or before certain features, downloads, or profile-sharing permissions are enabled.
d. Broker/ISO Identity and Merchant Verification. Brokers/ISOs acknowledge that MCA.AI may require and process sensitive identity information (including Social Security numbers and dates of birth) from Merchants and/or authorized signatories for identity verification, underwriting review, fraud prevention, and legal compliance. Brokers/ISOs represent and warrant that they have obtained all necessary permissions and consents from the Merchant to provide such information to MCA.AI and authorize MCA.AI to process such information in accordance with these Terms and the Privacy Policy.
e. Risk Assumption and Precautions
You assume all risks when using the Services, including but not limited to interactions with third parties such as lenders, brokers, and investors.
e. No Guarantees
MCA.AI does not guarantee that any User will receive funding, matches, or specific results. Use of the Services does not guarantee placement, approval, or suitability of any funding option.
f. No False Information
You agree not to provide false, misleading, or inaccurate information.
g. Legal and Business Purpose
You agree to use the Site and Services only for lawful, bona fide business purposes.
2A. Verified Funding Profile Access, Editing, and Release Timing
a. Access & Editing:After a funding transaction is initiated and approved, you may be provided access to view and edit certain profile and narrative information using MCA.AI’s optional AI-assisted tools.
b. Download & Sharing Restriction: The ability to download your Verified Funding Profile and to authorize sharing of that profile with brokers, investors, or funding partners may be restricted until your funding term is completed, satisfied, or otherwise concluded as determined by MCA.AI in its sole discretion.
c. Operational Discretion: MCA.AI may suspend, delay, limit, or revoke access to profile features, downloads, or sharing permissions for compliance, fraud prevention, security, legal, operational, or underwriting reasons.
d. No Guarantee: MCA.AI is not required to make Verified Funding Profiles available to all Users.
3. Intellectual Property Rights
All content, trademarks, software, and intellectual property on the Site and in the Services are owned by MCA.AI or its licensors. You are granted a limited, revocable license to use the Services only as expressly authorized by these Terms.
4. Disclaimer of Warranty
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND. MCA.AI EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. MCA.AI DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ERROR-FREE, OR MEET YOUR EXPECTATIONS.
No Professional Advice: Any summaries, analyses, or outputs generated through the Services, including AI-assisted features, are for informational purposes only and do not constitute legal, financial, tax, or investment advice.
5. Limitation of Liability
IN NO EVENT WILL MCA.AI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE SITE OR SERVICES. MCA.AI’S AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO MCA.AI (IF ANY) FOR THE SERVICES.
6. Indemnification
You agree to indemnify and hold harmless MCA.AI, its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, costs, and expenses (including attorneys’ fees) arising from your use of the Services, breach of these Terms, or violation of applicable law.
7. Dispute Resolution
Disputes will be resolved through binding arbitration in Florida (with certain limited exceptions), and you waive the right to participate in class actions. (See original arbitration clause for details.)
8. User Information and Contact
You agree to the collection and use of your information as described in the Privacy Policy, which is incorporated into these Terms by reference.
9. Electronic Onboarding & Third-Party Tools
As part of onboarding or use of the Services, you may be required to complete agreements electronically (e.g., using DocuSign) and/or authorize access to financial information through third-party data services (e.g., Plaid) to facilitate verification, underwriting, and analysis. By using these tools, you authorize MCA.AI to collect and process the information obtained through them in accordance with these Terms and the Privacy Policy.
10. Sharing With Brokers, Internal Investors & Funding Partners
With your explicit authorization, MCA.AI may share your application information, narrative summaries, financial analyses, and/or Verified Funding Profile (when available) with:
- your authorized broker or representative;
- MCA.AI’s internal investor network;
- select funding partners or alternative funding companies.
Such sharing is for evaluation or consideration only and does not constitute placement, brokerage, or a guarantee of funding.
11. Modifications to Terms
MCA.AI reserves the right to change, modify, add, or remove portions of these Terms at any time. The updated Terms will be posted on the Site with a revised effective date. Continued use of the Site and Services constitutes acceptance of the updated Terms.
12. Contact Information
MCA.AI
2 S. Biscayne Blvd, Suite 3200
Miami, FL 33131
customerservice@mca.ai
