TERMS OF USE
Effective Date: July 15, 2026
These Terms of Use govern your access to and use of KawValleyFinancial.com and any webpages, forms, content, calculators, communications, or services made available through the website.
The website is operated by Kaw Valley Digital, LLC, doing business as Kaw Valley Financial (“Kaw Valley Financial,” “we,” “us,” or “our”).
Please read these Terms of Use carefully. By accessing or using the website, you acknowledge that you have read and agree to be bound by these terms. If you do not agree, do not use the website or submit information through it.
1. Business-Purpose Website
Kaw Valley Financial provides commercial-financing brokerage, consulting, referral, and educational services.
The website is intended primarily for:
Business owners;
Company officers and employees;
Commercial borrowers;
Referral partners;
Professional advisers; and
Other persons seeking or evaluating business-purpose financing.
The website is not intended to solicit personal, family, or household-purpose loans. Information submitted through the website should relate to a legitimate business or commercial purpose.
2. Kaw Valley Financial’s Role
Kaw Valley Financial is a commercial-finance broker and consultant. Unless expressly stated otherwise in a separate written agreement, Kaw Valley Financial is not:
A bank;
A direct lender;
A factoring company;
A loan servicer;
A securities broker;
An investment adviser;
A law firm;
An accounting firm; or
A tax adviser.
We help businesses identify, evaluate, and communicate with potential commercial-financing providers. Those providers may include banks, factoring companies, asset-based lenders, equipment-finance companies, private-credit providers, and other funding sources.
Kaw Valley Financial does not make the final credit, underwriting, approval, pricing, documentation, or funding decision for an independent financing provider.
3. No Financing Guarantee
Submitting an inquiry, referral, financing-review request, or supporting document does not:
Constitute approval of financing;
Create a commitment to lend or purchase receivables;
Guarantee that a financing provider will review the request;
Guarantee that any offer will be made;
Guarantee a particular advance rate, interest rate, fee, term, structure, or funding amount;
Guarantee funding by a particular date; or
Create a binding agreement with Kaw Valley Financial or any funding provider.
Commercial-financing decisions depend on factors that may include credit history, business performance, accounts receivable, customer quality, collateral, documentation, liens, taxes, legal claims, industry conditions, underwriting standards, and the independent judgment of a funding provider.
Any financing offer is subject to the provider’s final underwriting, due diligence, documentation, approval, and closing requirements.
4. No Duty to Submit or Place a Transaction
Kaw Valley Financial is not required to:
Accept every inquiry;
Review every financing request;
Submit every request to a funding provider;
Contact every potential funding source;
Continue working on a request;
Negotiate a transaction; or
Produce a financing offer.
We may decline, suspend, or discontinue work on an inquiry at any time, including when the request appears incomplete, inaccurate, misleading, unlawful, outside our areas of service, or unlikely to meet a funding provider’s requirements.
5. Broker Compensation
Kaw Valley Financial may receive compensation from a lender, factoring company, finance company, referral partner, service provider, applicant, or another party in connection with an introduction, application, completed transaction, renewal, extension, or other financing-related event.
The amount and structure of compensation may vary by provider and transaction.
The existence of a compensation arrangement does not guarantee that a particular provider or transaction is the best or least expensive option available. Business owners should independently review and compare all proposed rates, fees, terms, obligations, and alternatives before accepting financing.
6. Information You Submit
When submitting information through the website or directly to Kaw Valley Financial, you represent that:
The information is accurate and complete to the best of your knowledge;
You are authorized to provide the information;
The information concerns a legitimate business or commercial purpose;
You are not impersonating another person or business;
You are not submitting forged, altered, stolen, or misleading documents;
You have permission to provide information concerning another person or business when permission is required; and
Your submission does not violate any law, contract, confidentiality obligation, or third-party right.
You are responsible for promptly correcting information that becomes inaccurate or incomplete.
Kaw Valley Financial and potential funding providers may rely on the information you submit when evaluating whether to review or pursue a transaction.
7. Authority to Act for a Business
When you submit information on behalf of a company, you represent that you have authority to act for or communicate on behalf of that company.
Submitting a request without proper authority may result in the inquiry being rejected or discontinued.
Referral partners should submit another person’s or company’s information only when they have a lawful basis or appropriate permission to make the referral.
8. Credit Reports and Background Information
Submitting a general website form does not, by itself, authorize Kaw Valley Financial or a funding provider to obtain a personal consumer credit report.
If a credit report, background report, bank-data connection, tax transcript, or other separately protected information is required, additional authorization or documentation may be requested.
Funding providers may impose their own authorization, verification, and due-diligence requirements.
9. Consent to Communications
When you provide your contact information, you authorize Kaw Valley Financial to contact you concerning:
Your inquiry;
A financing-review request;
A referral;
Documents or information needed for review;
Potential financing options;
Transaction status;
Follow-up questions; and
Related business services.
Communications may occur by telephone, email, voicemail, or other methods you provide or authorize.
Providing contact information does not require you to accept a financing offer. You may request that nonessential promotional communications stop, although we may continue communicating about an active inquiry, transaction, legal obligation, or established business relationship.
Any separate consent to receive automated calls or text messages will be governed by the language presented when that consent is requested.
10. No Professional Advice
Website content is provided for general educational and informational purposes.
Nothing on the website constitutes legal, tax, accounting, investment, credit-repair, securities, or other regulated professional advice.
You should consult qualified legal, accounting, tax, and financial professionals regarding your particular circumstances before entering into a financing transaction or making a significant business decision.
11. Educational Content and Examples
Articles, guides, comparisons, checklists, estimated timelines, illustrative transactions, funding ranges, advance-rate examples, cost examples, and other website content are general illustrations only.
Actual results vary substantially by applicant, industry, provider, transaction structure, documentation, customer quality, collateral, credit profile, market conditions, and other factors.
No example, estimate, testimonial, case description, or educational statement should be interpreted as a promise or prediction of a particular result.
12. Calculators and Preliminary Assessments
Any calculator, scorecard, fit check, eligibility assessment, funding-range estimate, or other interactive tool is provided for preliminary educational purposes only.
Results are based on the information entered and any assumptions built into the tool. They are not:
A formal valuation;
A credit decision;
An underwriting decision;
A financing offer;
A guarantee of eligibility;
A guarantee of approval; or
A commitment by Kaw Valley Financial or a funding provider.
A financing provider may reach a different conclusion after reviewing complete information and conducting its own underwriting.
13. Independent Funding Providers
Funding providers introduced or referenced by Kaw Valley Financial are independent businesses.
Kaw Valley Financial does not control and is not responsible for a provider’s:
Underwriting criteria;
Approval or denial decisions;
Rates or fees;
Advance rates;
Contract terms;
Documentation;
Customer-notification procedures;
Account administration;
Collection practices;
Funding timing;
Data-security practices;
Regulatory compliance; or
Performance.
Before accepting an offer, you are responsible for reviewing the provider’s documents, disclosures, costs, obligations, remedies, and privacy practices.
A referral or introduction does not constitute a guarantee or endorsement of every aspect of a provider or its services.
14. Third-Party Websites and Services
The website may include links to or integrations with third-party websites, forms, scheduling platforms, document portals, calculators, analytics services, social-media platforms, or other services.
Third-party services are governed by their own terms, policies, security practices, and availability.
Kaw Valley Financial does not control and is not responsible for third-party content, systems, products, services, privacy practices, security, errors, interruptions, or losses.
Accessing a third-party service is at your own discretion and risk.
15. Permitted Use
You may use the website only for lawful business and informational purposes.
You may view, download, or print reasonable portions of the website for your own internal business use, provided that you do not remove copyright, trademark, attribution, or other proprietary notices.
No other rights are granted unless Kaw Valley Financial provides written permission.
16. Prohibited Conduct
You may not:
Use the website for an unlawful, fraudulent, deceptive, or abusive purpose;
Submit false, forged, stolen, altered, or misleading information;
Misrepresent your identity, authority, business, financial condition, invoices, customers, or intended use of funds;
Attempt to gain unauthorized access to the website, servers, forms, accounts, or data;
Introduce malicious code, viruses, bots, scraping tools, or disruptive technology;
Interfere with the operation, security, or availability of the website;
Systematically copy, scrape, extract, reproduce, or republish website content;
Use website content to build or train a competing product, database, artificial-intelligence system, or commercial service without written permission;
Circumvent security, access controls, or usage restrictions;
Infringe intellectual-property, privacy, confidentiality, or other rights;
Submit information you are not authorized to disclose;
Use the website to harass, threaten, or harm another person; or
Assist another person in engaging in prohibited conduct.
We may restrict or terminate access when we reasonably believe these terms have been violated.
17. Intellectual Property
The website and its content—including text, graphics, layouts, designs, branding, logos, service names, educational materials, processes, downloads, and other original materials—are owned by or licensed to Kaw Valley Financial and are protected by applicable intellectual-property laws.
Except for the limited personal and internal-business use permitted in these terms, you may not copy, reproduce, modify, distribute, sell, license, display, publish, create derivative works from, or commercially exploit website content without prior written permission.
No license to use any trademark, trade name, logo, copyrighted work, or proprietary process is granted by implication.
18. User Communications and Feedback
Questions, comments, suggestions, or general feedback submitted to Kaw Valley Financial may be used to operate and improve our business.
This provision does not transfer ownership of your confidential business records or financing documents to Kaw Valley Financial.
Do not submit unsolicited confidential ideas, proprietary product concepts, or trade secrets unless a written confidentiality agreement is already in place.
19. Privacy
Our collection, use, and disclosure of information are also governed by the Kaw Valley Financial Privacy Policy.
By using the website or submitting information, you acknowledge that you have reviewed the Privacy Policy.
20. Website Availability and Accuracy
We make reasonable efforts to provide useful and accurate information, but we do not guarantee that the website will always be:
Available;
Uninterrupted;
Error-free;
Secure;
Complete;
Current; or
Suitable for a particular purpose.
Website content may contain errors, omissions, outdated information, or technical problems. We may change, suspend, remove, or discontinue any part of the website without prior notice.
You are responsible for independently verifying information before relying on it.
21. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
KAW VALLEY FINANCIAL DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND RESULTS.
WE DO NOT WARRANT THAT THE WEBSITE, ITS CONTENT, OR ANY THIRD-PARTY SERVICE WILL MEET YOUR REQUIREMENTS OR PRODUCE A PARTICULAR BUSINESS OR FINANCING OUTCOME.
Some jurisdictions may not permit the exclusion of certain warranties. In those jurisdictions, the exclusions apply only to the extent permitted by law.
22. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, KAW VALLEY FINANCIAL AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO:
Use of or inability to use the website;
Reliance on website content;
Submission or transmission of information;
Unauthorized access or security incidents;
A funding provider’s conduct or decision;
The denial, delay, modification, withdrawal, or failure of financing;
A financing agreement entered into with a third party;
Business interruption;
Lost revenue, profits, data, opportunities, or goodwill; or
Third-party websites, services, or conduct.
TO THE FULLEST EXTENT PERMITTED BY LAW, KAW VALLEY FINANCIAL’S TOTAL LIABILITY ARISING FROM OR RELATED TO THE WEBSITE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID DIRECTLY TO KAW VALLEY FINANCIAL FOR THE WEBSITE-RELATED SERVICE GIVING RISE TO THE CLAIM OR ONE HUNDRED DOLLARS.
This limitation does not exclude liability that cannot lawfully be limited or excluded.
23. Indemnification
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Kaw Valley Financial and its owners, officers, employees, contractors, representatives, and agents from claims, liabilities, damages, losses, judgments, penalties, and reasonable costs arising from:
Your unlawful or unauthorized use of the website;
Information or documents you submit;
Your violation of these Terms of Use;
Your infringement of another person’s rights;
Your misrepresentation of your identity or authority; or
Fraudulent, false, forged, or misleading information provided by you.
This provision does not require you to indemnify a party for conduct for which indemnification is prohibited by law.
24. Governing Law and Venue
These Terms of Use are governed by the laws of the State of Kansas, without regard to conflict-of-law principles.
Unless applicable law requires otherwise, any legal action arising from or relating to the website or these terms must be brought in a state or federal court with jurisdiction in or serving Johnson County, Kansas.
You consent to the personal jurisdiction and venue of those courts.
25. Changes to These Terms
We may revise these Terms of Use periodically.
Updated terms will be posted on the website with a revised effective date. Changes apply prospectively when posted unless another effective date is stated.
Your continued use of the website after revised terms are posted constitutes acceptance of those revised terms.
26. Termination or Restriction of Access
We may suspend, restrict, or terminate access to the website when we reasonably believe that:
These terms have been violated;
The website is being misused;
Fraud or unlawful activity may be involved;
Access creates a security or operational risk; or
Restriction is necessary to protect Kaw Valley Financial or another party.
Provisions that by their nature should survive termination will remain effective, including intellectual-property, disclaimer, liability, indemnification, and governing-law provisions.
27. Severability
If any provision of these terms is found invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted or modified as necessary to make it enforceable.
The remaining provisions will remain in effect.
28. No Waiver
A failure or delay by Kaw Valley Financial in enforcing a provision does not waive the right to enforce that provision later.
A waiver is effective only when made in writing by an authorized representative of Kaw Valley Financial.
29. Assignment
You may not assign or transfer your rights or obligations under these terms without our prior written consent.
Kaw Valley Financial may assign or transfer its rights and obligations in connection with a merger, acquisition, sale of assets, restructuring, or other business transaction.
30. Entire Agreement
These Terms of Use and the Privacy Policy constitute the entire agreement concerning general use of the website.
A separate written brokerage, consulting, referral, confidentiality, financing, or service agreement may impose additional terms. If a separate signed agreement conflicts with these Terms of Use, the separate agreement controls concerning its specific subject matter.
These website terms do not modify an agreement between you and an independent funding provider.
31. Electronic Communications
You agree that website submissions and electronic communications may be used in connection with your inquiry.
Electronic records and communications may satisfy requirements that communications be provided in writing, to the extent permitted by applicable law.
You are responsible for maintaining a valid email address and reviewing communications sent to the contact information you provide.
32. Contact Information
Questions concerning these Terms of Use may be submitted through the Contact page on KawValleyFinancial.com.
You may also contact:
Kaw Valley Digital, LLC
Doing business as Kaw Valley Financial
Olathe, Kansas
Telephone: 913-353-4974