Last updated: July 26, 2026
These Terms & Conditions ("Terms") govern your access to and use of the FundSignal platform, website, and services (together, the "Service"). By creating an account, clicking to accept, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
FundSignal ("FundSignal," "we," "us," or "our") provides software that surfaces business-to-business sales leads and tools to help funding brokers and merchant cash advance ("MCA") professionals organize and conduct their own outreach. We are a software provider. We are not a lender, funder, broker, or a party to any transaction between you and a merchant.
Leads are compiled from publicly available sources and signals. We work hard on quality, but we do not warrant that any lead is accurate, current, reachable, solvent, interested, or will convert. Leads are provided "as is." You are responsible for verifying a business and its details before contacting it or extending any offer.
When you contact a lead by email, phone, or text, you are the sender and you are solely responsible for complying with all applicable laws, including but not limited to the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), state telemarketing and calling-time rules, Do-Not-Call requirements, and any consent and disclosure obligations that apply to commercial financing in your state. You agree to:
You agree not to: resell, redistribute, or scrape the leads or Service; share your login; use the Service for any unlawful, deceptive, harassing, or abusive purpose; attempt to breach or probe our security; upload malware; or use the Service to contact consumers for personal (non-business) purposes. We may suspend or terminate accounts that violate these Terms.
We collect the information you provide (such as your name, company, email, and phone) and usage data to operate and improve the Service. If you connect an email inbox, we use those credentials only to send your outreach and read replies on your behalf, and we store them encrypted. We do not sell your personal information. We share data with service providers (such as hosting and payment processors) only as needed to run the Service, and as required by law. You may request deletion of your account data by contacting us.
Where merchant information comes from. Business contact information in the Service is compiled from public sources — a business's own website, public business directories and maps, and government open-data records such as licensing and public filings. We do not scrape private, logged-in, or password-protected sources, and we do not purchase consumer data.
Purpose limitation. We collect merchant information for one clear, specific purpose: to identify US businesses that may be candidates for commercial financing and to let an approved user contact them about it. We do not repurpose that information for an unrelated goal, and we do not sell it.
Storage limitation. We keep merchant records only as long as they are needed for the purpose they were collected for. Unclaimed and inactive merchant records are automatically deleted after 60 days, except where a longer period is required by law or is necessary to honor a do-not-contact request.
Do-not-contact records are kept on purpose. If a merchant asks not to be contacted, we retain the minimum information needed to enforce that request (such as a hashed or truncated email address, phone number, or business name) for as long as necessary to keep honoring it. Deleting that record would cause the merchant to be contacted again, which is the outcome the request exists to prevent.
Merchant rights. A merchant may ask us to stop contacting them, or to access, correct, or delete the information we hold about them, by replying to any message they receive from a user of the Service, by telling a caller directly, or by contacting us. We honor opt-out requests across the entire Service, for every user, not only the one who made contact. Depending on where they live, merchants may have additional rights under laws such as the California Consumer Privacy Act.
Your responsibilities as the sender. You are the sender of your own outreach (see Section 4). You are responsible for complying with the laws that apply to it — including the Telephone Consumer Protection Act (TCPA), federal and state do-not-call rules, CAN-SPAM, and applicable state privacy laws — and for honoring any opt-out or do-not-contact request you receive, promptly and permanently.
We implement and maintain reasonable security procedures and practices appropriate to the nature of the information we hold. These currently include: encryption of connected mailbox credentials and OAuth tokens at rest using AES-256-GCM; storage of account passwords only as salted scrypt hashes, never in readable form; no storage of full payment card numbers (card details are handled by our payment processor, Stripe); access to production data restricted to authorized personnel; and transport encryption (HTTPS/TLS) for data in transit.
Breach notification. If we become aware of a security incident affecting your personal information, we will notify you without undue delay and in accordance with applicable law, describing what happened, what information was involved, and what steps we are taking.
No system is perfectly secure. You are responsible for keeping your own password and any connected mailbox credentials confidential, and for notifying us promptly if you believe your account has been compromised.
The Service, including its software, design, and content, is owned by FundSignal and protected by law. We grant you a limited, non-exclusive, non-transferable right to use the Service while your account is in good standing. You keep ownership of the content you create (such as your notes and email drafts).
THE SERVICE AND ALL LEADS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any lead will result in a sale or funded deal.
To the maximum extent permitted by law, FundSignal will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill. Our total liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the three (3) months before the event giving rise to the claim, or (b) one hundred US dollars (US$100).
You agree to defend, indemnify, and hold harmless FundSignal and its owners, officers, employees, and agents from and against any claims, demands, investigations, losses, liabilities, damages, fines, penalties, or expenses (including reasonable attorneys' fees and costs) brought by any third party — including any merchant, regulator, or state attorney general — arising out of or relating to:
We will notify you of any claim subject to this section and may participate in its defense with counsel of our own choosing at our own expense. You may not settle any claim in a way that imposes any obligation or admission on FundSignal without our prior written consent. This section survives termination of your account.
You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms, fail to pay, or if we discontinue the Service. On termination, your right to use the Service ends and any claimed leads may be returned to the shared pool.
We may update these Terms from time to time. If we make material changes, we will update the date above and, where appropriate, notify you. Continued use of the Service after changes take effect means you accept the updated Terms.
These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the laws of the State of New York and applicable United States federal law, without regard to conflict-of-laws rules. Subject to Section 15 (Dispute resolution), you and FundSignal agree that the exclusive venue for any dispute is the state or federal courts located in the State of New York, and you consent to the personal jurisdiction of those courts. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Please read this section carefully. It affects how disputes between you and FundSignal are resolved, and it limits how you may bring a claim.
Individual arbitration. Except as stated below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, rather than in court. The arbitration will take place in the State of New York or, at your election, by telephone or video, or through written submissions. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.
Class-action waiver. You and FundSignal each agree to bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of class proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court under Section 14, and the remainder of this Section 15 will continue to apply.
Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or other equitable relief in court to protect its intellectual property or to stop unauthorized use of the Service. Nothing here prevents you from reporting a matter to a government agency.
Opt out. You may opt out of this arbitration agreement by notifying us through our contact form within 30 days of first accepting these Terms, stating your name, account email, and that you are opting out of arbitration. Opting out does not affect any other part of these Terms.
Questions about these Terms? Reach us through the contact form on our site and we will get back to you.