Terms & Conditions

Last Updated: March 9, 2026

Agreement to Terms

By accessing or using the website and services of BH Youm youm LLC ("Company," "we," "our," or "us"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our services.

These Terms constitute a legally binding agreement between you and BH Youm youm LLC. Please read them carefully before using our services.

Services Overview

BH Youm youm LLC is a direct business lender providing financing solutions to qualified businesses. Our services include, but are not limited to:

  • Working capital loans
  • Equipment financing
  • Revenue-based financing
  • Short-term financing
  • Commercial real estate financing
  • Inventory financing

All financing is subject to credit approval and underwriting criteria. We reserve the right to decline any application at our sole discretion.

Eligibility

To use our services, you must:

  • Be at least 18 years old and legally authorized to enter into binding contracts
  • Represent a legitimate business entity operating in the United States
  • Provide accurate, complete, and truthful information in all applications and communications
  • Have the authority to bind your business to financial agreements

Application Process

Submission

By submitting an application for financing, you authorize us to:

  • Verify the information you provide
  • Obtain credit reports and background checks
  • Contact references, banks, and other parties
  • Review financial documents and business records

Accuracy of Information

You represent and warrant that all information provided in your application is accurate, complete, and current. Providing false or misleading information may result in application denial, loan termination, or legal action.

No Guarantee of Approval

Submitting an application does not guarantee approval or funding. All applications are subject to our underwriting standards and credit policies.

Loan Terms and Conditions

Specific terms for any approved financing, including interest rates, fees, repayment schedules, and other conditions, will be outlined in a separate loan agreement. You agree to review and sign all required documentation before receiving funds.

Fees and Charges

Depending on the financing product, you may be subject to:

  • Origination fees
  • Processing fees
  • Late payment fees
  • Prepayment penalties (if applicable)
  • Other charges as outlined in your loan agreement

All fees will be clearly disclosed before you accept any financing offer.

Repayment Obligations

You agree to repay all amounts borrowed according to the terms specified in your loan agreement. Failure to make timely payments may result in:

  • Late fees and penalties
  • Negative impact on your credit score
  • Collection actions
  • Legal proceedings

SMS Terms & Conditions

Text Message Communications:

If you opt in to receive text messages from BH Youm youm LLC, you agree to the following terms:

  • Consent: By providing your mobile phone number and checking the opt-in box, you consent to receive automated text messages from BH Youm youm LLC regarding your funding application, account updates, payment reminders, and promotional offers. We may use an automatic telephone dialing system (ATDS) for these communications.
  • Message Frequency: Message frequency may vary based on your account activity and our communications schedule.
  • Costs: Message and data rates may apply as determined by your mobile carrier. We do not charge for text messages, but standard carrier rates apply.
  • Opt-Out: You may stop receiving text messages at any time by replying STOP to any message. You will receive a one-time confirmation message confirming your opt-out.
  • Help: For help or questions, reply HELP or contact us at shella@bhyoum.com.
  • Not Required: Consent to receive text messages is NOT a condition of obtaining financing or using our services. You may contact us through other channels if you prefer not to receive text messages.
  • Carriers: Supported carriers include AT&T, T-Mobile, Verizon, Sprint, and other major U.S. carriers. Carrier coverage may vary.

We respect your privacy and will not share your mobile number with third parties for marketing purposes. See our Privacy Policy for more details.

Use of Website

Permitted Use

You may use our website for lawful purposes only, including:

  • Researching our financing products
  • Submitting loan applications
  • Communicating with our team
  • Accessing account information (if applicable)

Prohibited Activities

You agree not to:

  • Use our website for illegal purposes or to solicit illegal activities
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt our website or servers
  • Submit false or fraudulent information
  • Use automated tools (bots, scrapers) without permission
  • Infringe on our intellectual property rights

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of BH Youm youm LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works from our content without our written permission.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content or practices of these sites. Use of third-party websites is at your own risk.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy or completeness of information

We do not guarantee uninterrupted or error-free access to our website.

Limitation of Liability

To the fullest extent permitted by law, BH Youm youm LLC and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

  • Use or inability to use our website or services
  • Errors or omissions in content
  • Unauthorized access to your information
  • Actions of third parties

Our total liability shall not exceed the amount you paid to us (if any) in the six months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless BH Youm youm LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use of our services
  • Violation of these Terms
  • Infringement of third-party rights
  • Breach of your loan agreement

Privacy and Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our privacy practices as described.

Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles.

Arbitration

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall take place in Hudson County, New Jersey.

Class Action Waiver

You agree to resolve disputes on an individual basis only and waive the right to participate in class actions or class arbitrations.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

Severability

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

Entire Agreement

These Terms, along with our Privacy Policy and any loan agreements you enter into with us, constitute the entire agreement between you and BH Youm youm LLC regarding the use of our services.

Contact Information

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

BH Youm youm LLC
11 Library CT
Bayonne, NJ 07002
Email: shella@bhyoum.com

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.