Terms & Conditions

Last Updated: May 4, 2026

Welcome to CARDIOVASCULAR CARE PC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, applying for financing, or engaging with our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing this website or submitting a financing application, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

2. Services Overview

CARDIOVASCULAR CARE PC is a direct business lender providing various financing solutions, including but not limited to:

Working capital loans
Revenue-based financing
Equipment financing
Business expansion funding
Commercial real estate financing
Franchise financing

All financing is subject to approval based on creditworthiness, business performance, and underwriting criteria.

3. Application Process

When you submit a financing application:

You authorize us to obtain credit reports and verify information provided
You certify that all information submitted is accurate and complete
You understand that approval is not guaranteed
You agree to provide additional documentation if requested

4. SMS Terms & Conditions

Text Messaging Program Terms

By opting in to receive SMS/MMS messages from CARDIOVASCULAR CARE PC, you agree to the following terms:

Automated Messages: We may send you recurring marketing and promotional text messages using an automated telephone dialing system (ATDS). These messages may include information about our financial products, services, special offers, updates, and other relevant communications.

Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be higher or lower depending on your interactions with us and available promotions.

Message and Data Rates: Message and data rates may apply depending on your mobile carrier's plan. Please check with your carrier for details on your messaging plan and potential charges.

Opt-Out Instructions: You can opt out of receiving text messages at any time by replying STOP to any message you receive from us. Once you send STOP, we will send you a confirmation text and you will no longer receive messages from us. You may also contact us at krishna@cardiovascularcares.com to opt out.

Help Instructions: For assistance or more information about our text messaging program, reply HELP to any message or contact us at krishna@cardiovascularcares.com.

Consent is NOT a Condition of Purchase: You do not have to agree to receive SMS messages as a condition of applying for, receiving, or maintaining financing with CARDIOVASCULAR CARE PC. Opting out will not affect your ability to access our services or apply for funding.

Supported Carriers: Our text messaging program is supported by major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

Terms May Change: We reserve the right to modify or discontinue our text messaging program at any time. We will notify you of any material changes to these SMS terms.

5. Loan Terms and Conditions

If your application is approved:

You will receive a formal loan agreement outlining all terms, including amount, interest rate, fees, and repayment schedule
You must review and sign the agreement before funds are disbursed
Repayment terms vary by product and creditworthiness
Early repayment may be available (check your specific agreement for terms)
Late payments may incur fees and affect your credit

6. Fees and Charges

Depending on the financing product, fees may include:

Origination fees
Processing fees
Late payment fees
Returned payment fees

All fees will be clearly disclosed in your loan agreement before you sign.

7. Intellectual Property

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

8. User Conduct

You agree not to:

Submit false or misleading information
Use our services for any unlawful purpose
Attempt to gain unauthorized access to our systems
Transmit viruses or malicious code
Interfere with other users' access to our services

9. Disclaimers and Limitations of Liability

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

That our website will be uninterrupted or error-free
That all information is accurate or current
That your application will be approved
Specific loan terms or rates

To the maximum extent permitted by law, CARDIOVASCULAR CARE PC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

10. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or control these sites and are not responsible for their content or practices. Use them at your own risk.

11. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We are committed to protecting your personal and financial information.

12. Modifications to Terms

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

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of California.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have questions about these Terms or our services, please contact us:

CARDIOVASCULAR CARE PC
1302 Laurelview Drive
Chino Hills, CA 15905
Email: krishna@cardiovascularcares.com

16. Entire Agreement

These Terms, together with our Privacy Policy and any signed loan agreement, constitute the entire agreement between you and CARDIOVASCULAR CARE PC regarding your use of our services and supersede all prior agreements and understandings.