Kalejs Capital LLC – Terms and Conditions

Last Updated: 01/28/26

These Terms and Conditions ("Terms") govern your access to and use of the website located at www.kalejscapital.com, and any related services, forms, communications, or applications offered by Kalejs Capital LLC ("Kalejs Capital," "we," "us," or "our").

By accessing our website, submitting information, or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our website or services.

1. Services Provided

Kalejs Capital LLC is a commercial loan broker, not a lender. We do not provide loans or credit directly. Our role is to collect business information and connect applicants with third-party lenders, funding partners, broker networks, and financial institutions that may offer commercial financing products.

All financing decisions, terms, rates, approvals, and funding amounts are determined solely by third-party providers.

2. Eligibility

Our services are intended solely for:

Business owners

Authorized representatives of a business entity

Individuals at least 18 years of age

By submitting information, you represent that you have authority to act on behalf of the business and to provide the information submitted.

3. Application Information & Accuracy

You agree that all information and documents you submit are true, accurate, and complete. Providing false, misleading, or incomplete information may result in denial of financing or termination of services.

You agree to promptly notify Kalejs Capital of any material changes to your business’s financial condition, ownership, operations, or legal status.

4. Authorization to Share Information

By submitting an inquiry or application, you authorize Kalejs Capital to share your information and supporting documents with:

Third-party lenders and funding partners

Underwriting teams

Broker networks

Affiliates, agents, successors, and assigns

For the purpose of evaluating eligibility for commercial financing.

You authorize these parties to request and review business and consumer credit reports, bank statements, tax information, financial records, and other information reasonably necessary to evaluate your request.

5. Communications Consent

By providing your contact information, you expressly consent to receive communications from Kalejs Capital and its partners via:

Phone calls (manual or automated)

SMS/text messages

Emails

Communications may relate to your inquiry, application status, underwriting requests, account servicing, or financing offers. Consent is not a condition of approval or funding.

SMS Opt-Out: You may opt out of SMS communications at any time by replying STOP. Message frequency may vary. Message and data rates may apply.

6. Privacy & Data Use

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, store, and share personal and business information.

We do not sell personal information to unrelated third parties.

7. Cookies & Tracking

We use cookies, pixels, and tracking technologies to:

Analyze website traffic

Improve user experience

Measure advertising performance

Run remarketing and retargeting campaigns

You may disable cookies through your browser settings, though some features may not function properly.

8. Intellectual Property

All website content, including text, graphics, logos, and software, is the property of Kalejs Capital LLC or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, modify, distribute, or exploit any content without prior written consent.

9. Disclaimers

Our services are provided on an "as-is" and "as-available" basis. We make no guarantees that:

Financing will be approved

Any specific terms or rates will be offered

Funding will be received

We disclaim all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose.

10. Limitation of Liability

To the fullest extent permitted by law, Kalejs Capital LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

Our total liability, if any, shall not exceed the amount paid to us (if any) for services rendered.

11. Carrier Liability Disclaimer

Wireless carriers are not liable for delayed, undelivered, misdirected, or failed messages. Kalejs Capital LLC is not responsible for messaging issues caused by mobile carriers, network outages, system availability, spam filtering, or technical limitations beyond our control.

Delivery of SMS messages is subject to effective transmission from your mobile service provider and device compatibility. Message delivery is not guaranteed.

12. Indemnification

You agree to indemnify and hold harmless Kalejs Capital LLC, its owners, officers, employees, and partners from any claims, damages, losses, or expenses arising out of:

Your use of our services

Your violation of these Terms

Your submission of false or misleading information

13. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their content, services, or privacy practices.

Accessing third-party sites is at your own risk.

14. Data Retention

We retain information as long as reasonably necessary to:

Evaluate funding opportunities

Maintain legal and regulatory compliance

Resolve disputes

Support business operations

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State in which Kalejs Capital LLC is registered, without regard to conflict of law principles.

16. Changes to These Terms

We may update these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services constitutes acceptance of the revised Terms.

17. Contact Information

For questions regarding these Terms or our services, contact:

Kalejs Capital LLC
Email: [email protected]
Website: www.kalejscapital.com