Last Updated: February 6, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE BIG FUNDING PORTAL, WEBSITE, OR ANY ASSOCIATED SERVICES (COLLECTIVELY, THE "PLATFORM"), YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and BIG Funding ("BIG," "Company," "we," "us," or "our"). By creating an account, accessing, or using the Platform in any manner, you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations.
Your use of the Platform is also governed by and supplemental to any revenue-based financing agreement, merchant cash advance agreement, or other financing contract (collectively, "Financing Agreement") you have executed with BIG Funding. In the event of a conflict between these Terms and your Financing Agreement, the Financing Agreement shall control with respect to the financing relationship, and these Terms shall control with respect to your use of the Platform.
You acknowledge and confirm that:
The Platform is a web-based portal and mobile application that provides informational access to data related to your financing relationship with BIG Funding. Features may include, but are not limited to:
THE PLATFORM IS AN INFORMATIONAL CONVENIENCE TOOL ONLY. IT IS NOT A SUBSTITUTE FOR DIRECT COMMUNICATION WITH BIG FUNDING. THE PLATFORM DOES NOT CONSTITUTE FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE OF ANY KIND.
CRITICAL NOTICE: Data displayed on the Platform, including but not limited to account balances, payment amounts, funding figures, payback statuses, percentages, dates, and any other financial or account information, may contain errors, inaccuracies, delays, or omissions. Such data may not reflect the most current or complete information available.
You acknowledge and agree that:
By using the Platform, applying for funding, receiving funding from BIG Funding, or by virtue of your existing Financing Agreement, you expressly and irrevocably consent to:
BIG Funding collects and stores information from multiple sources, including but not limited to financing applications, executed contracts, ongoing business records, payment processors, banking institutions, and public records. This data is collected and stored regardless of whether you create an account on the Platform. By entering into a Financing Agreement with BIG Funding, you have consented to the storage, processing, and use of this information for all purposes related to servicing your account.
If you subsequently create an account on the Platform, information already in our records from your Financing Agreement may be associated with your account and displayed to you through the authenticated portal. Such information is only visible to you after proper authentication and is not publicly accessible.
To access certain features of the Platform, you must create an account. You agree to:
BIG Funding is not liable for any loss or damage arising from your failure to maintain the security of your account credentials.
BIG FUNDING RESERVES THE ABSOLUTE AND UNCONDITIONAL RIGHT TO MODIFY, SUSPEND, DISCONTINUE, OR TERMINATE THE PLATFORM, IN WHOLE OR IN PART, AT ANY TIME, FOR ANY REASON OR NO REASON, WITH OR WITHOUT PRIOR NOTICE, AND WITHOUT LIABILITY TO YOU OR ANY THIRD PARTY.
Without limiting the foregoing, BIG Funding may:
The termination or suspension of the Platform shall not affect the validity or enforceability of your Financing Agreement with BIG Funding, which remains independently binding regardless of Platform availability.
You acknowledge that the Platform processes sensitive personal and financial data, including Social Security numbers, bank account information, and other confidential information. You understand and agree that:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BIG FUNDING, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY UNAUTHORIZED ACCESS TO OR ALTERATION, THEFT, DESTRUCTION, OR DISCLOSURE OF YOUR DATA, WHETHER RESULTING FROM HACKING, CYBERATTACKS, MALWARE, PHISHING, SOCIAL ENGINEERING, INSIDER THREATS, SYSTEM VULNERABILITIES, OR ANY OTHER CAUSE, EXCEPT WHERE SUCH BREACH IS DIRECTLY AND PROXIMATELY CAUSED BY BIG FUNDING'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.
You agree to hold BIG Funding harmless from any claims, damages, or losses arising from security incidents affecting the Platform or any third-party services integrated therewith.
By using the Platform, you consent to receive electronic communications from BIG Funding, including but not limited to:
You agree that all communications provided electronically satisfy any legal requirement that such communications be in writing. You may opt out of marketing communications but may not opt out of transactional communications related to your account. To opt out of SMS messages, reply STOP to any text message.
By providing your mobile phone number, you consent to receive SMS/text messages from BIG Funding for account notifications, verification codes, payment updates, and service-related communications. Message and data rates may apply. Message frequency varies based on account activity.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
The Platform integrates with third-party services, including but not limited to Plaid, Decision Logic, SendGrid, and banking institutions. You acknowledge and agree that:
You agree not to:
All content, features, functionality, design, text, graphics, logos, trademarks, service marks, and software comprising the Platform are the exclusive property of BIG Funding or its licensors and are protected by United States and international intellectual property laws. You may not copy, modify, distribute, sell, lease, or create derivative works based on any part of the Platform without prior written consent from BIG Funding.
Nothing on the Platform constitutes financial, legal, tax, accounting, or investment advice. The Platform is provided for informational purposes only. You should consult with qualified professionals for advice specific to your situation. BIG Funding does not endorse or recommend any specific financial products, strategies, or courses of action through the Platform.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
You agree to defend, indemnify, and hold harmless BIG Funding, its officers, directors, employees, agents, contractors, partners, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or your relationship with BIG Funding (collectively, "Disputes") shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted in the State of New York, and judgment on the arbitration award may be entered in any court having jurisdiction.
BIG Funding shall not be liable for any failure to perform or delay in performing any obligation under these Terms due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, epidemics, war, terrorism, riots, civil unrest, government actions or restrictions, power failures, internet or telecommunications failures, cyberattacks, labor disputes, supply chain disruptions, or any other event beyond BIG Funding's reasonable control.
BIG Funding reserves the right to modify, amend, or update these Terms at any time in its sole discretion. Changes will be effective immediately upon posting to the Platform. Your continued use of the Platform after any modifications constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for changes. If you do not agree with any modification, your sole remedy is to discontinue use of the Platform.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any legal proceedings not subject to arbitration shall be brought exclusively in the state or federal courts located in New York, and you consent to the personal jurisdiction of such courts.
If any provision of these Terms is found by a court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of any other provision, and these Terms shall be construed as if the invalid, illegal, or unenforceable provision had never been contained herein.
These Terms, together with the Privacy Policy and your Financing Agreement, constitute the entire agreement between you and BIG Funding with respect to your use of the Platform. These Terms do not modify, amend, or supersede your Financing Agreement.
The failure of BIG Funding to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless made in writing and signed by an authorized representative of BIG Funding.
You may not assign or transfer these Terms or your rights hereunder without BIG Funding's prior written consent. BIG Funding may assign these Terms freely without restriction. These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and assigns.
If you have questions about these Terms, please contact us: