Terms of service
Top Notch Consulting LLC – Terms of Service
Effective Date: October 23, 2025
1) Acceptance of Terms
This website and the services described here (the “Services”) are provided by Top Notch Consulting LLC (“Top Notch Consulting,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of:
Sites & Apps: Topnotchconsulting.com;thefundinglounge.com and related subdomains or pages
Partner Portal: portal.7figpartners.com
SaaS Products: Funding Machine SaaS and the My Figures platform
Content: Any content, trainings, events, or features we make available By accessing or using any portion of the Services, you agree to these Terms, our Privacy Policy, and any service-specific terms or order forms. If you do not agree, do not use the Services.
Age Requirement: The Services are intended for users 18 years or older located in the United States.
2) Changes to Terms
We may update these Terms at any time. The Effective Date above reflects the most current version. Continued use of the Services constitutes acceptance of the updated Terms.
3) Relationship; Not a Lender or Broker
Top Notch Consulting provides business funding consulting, software tools, education, and referral introductions.
We are not a lender, do not make credit decisions, and do not act as a broker of record. Funding decisions are made solely by third-party providers.
You are responsible for your use of any capital obtained and for compliance with applicable laws, including FCRA, GLBA, Regulation Z, and state consumer protection laws.
4) Accounts; Security
• You must provide accurate registration information and keep it current.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• We may require multi-factor authentication and periodic password resets.
• We may suspend or terminate accounts for abuse, fraud, or violations of these Terms.
My Figures Account Creation:
When you apply for funding via our websites, Top Notch Consulting may create a free basic Figures account for you to view credit, cash flow, and financial health information. Use of Figures is governed by these Terms.
5) Software License (Funding Machine & My Figures)
Subject to these Terms and timely payment of applicable fees, Top Notch Consulting grants you a limited, revocable, non-exclusive, non-transferable license to access and use the SaaS products solely for your internal business purposes.
You may not:
• Copy or modify the software
• Reverse engineer or extract source code
• Circumvent security or technical controls
• Resell, sublicense, or share access without written authorization
We may update or modify features at any time. We do not guarantee uninterrupted availability or specific outcomes.
6) Partner Program & Portal
Approved partners may receive a unique referral link and access the Partner Portal dashboard showing limited data related to their referred clients.
This data may include:
• Client name, email, phone
• Application or underwriting status
• Estimated leverage or utilizationAppointment scheduling
• Amounts paid and funding amounts obtained
This information is provided solely for referral tracking and commission calculation.
Confidentiality & Use Restrictions
• Partners may not copy, scrape, download, disclose, or reuse client data outside the referral relationship.
• Partners may not solicit referred clients for competing services.
• Partners must comply with all laws including TCPA and CAN-SPAM.
Commissions & Payouts
• Commissions are paid weekly on Fridays for commissions earned through the preceding Tuesday.
• Partners must onboard with Everee to receive payment.
• Failure to onboard within six months may result in forfeiture of unpaid commissions.
• We may reverse commissions due to refunds, chargebacks, fraud, or error.
Client Discount Option
• Partners may request a client discount up to the value of their commission. Approved discounts reduce the commission accordingly.
• Partner participation may also be governed by a separate written partner agreement. In the event of conflict, the signed agreement controls.
7) Fees, Billing, Refunds & Chargebacks
• Fees are due at purchase or as stated in your order form. You authorize Top Notch Consulting and our processors to charge your payment method.
• All sales are final once services are delivered or software access is granted. No refunds or chargebacks are permitted except where required by law.
• If a lender rescinds an approved offer and we received compensation, a refund may be issued upon documented proof. We reserve the right to verify directly with the lender.
• Unwarranted chargebacks may result in suspension and collection of outstanding balances.
8) Acceptable Use
You agree not to:
• Violate laws or third-party rights
• Misrepresent identity or financial information
• Commit fraud
• Scrape or harvest data
• Interfere with service availability
• Upload malware or spam
• Make deceptive marketing claims such as “guaranteed approval”
9) Privacy & Communications
Use of the Services is subject to our Privacy Policy.
By providing contact information, you consent to receive transactional emails, calls, and SMS. Marketing messages require express consent where applicable.
Reply STOP to opt out of marketing texts.
10) Intellectual Property
• All Sites, software, materials, branding, and content are owned by Top Notch Consulting or its licensors and protected by intellectual property laws.
• You may not reproduce, distribute, display, or create derivative works without written permission.
• If you submit feedback or content, you grant us a worldwide, royalty-free, perpetual license to use it.
11) Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
• We disclaim all warranties, including merchantability, fitness for purpose, and non-infringement.
• We do not guarantee funding approval or results.
• Information provided is educational only and not financial, legal, or tax advice.
12) Limitation of Liability
• TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOP NOTCH CONSULTING SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES.
• TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID DURING THE SIX MONTHS PRECEDING THE CLAIM OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
13) Governing Law, Arbitration, and Dispute Resolution
• These Terms are governed by the laws of the State of Utah.
• Disputes will be resolved by binding individual arbitration in Utah.
• You waive participation in any class action.
• Either party may seek injunctive relief to protect confidential information or intellectual property.
14) Suspension & Termination
• We may suspend or terminate access for violations, non-payment, or risk to the Services.
• Upon termination, your license rights cease.
• Sections relating to fees, IP, liability, confidentiality, and dispute resolution survive termination.
15) Third-Party Services
Services may depend on third-party providers such as banks, bureaus, Stripe, NMI, Everee, Intercom, Zoho, or analytics platforms. We are not responsible for their services or policies.
16) Miscellaneous
Entire Agreement. These Terms, the Privacy Policy, and any signed agreements constitute the entire agreement.
• Assignment. You may not assign these Terms without written consent.
• Severability. Invalid provisions do not affect the remainder.
• No Waiver. Failure to enforce is not a waiver.
• Notices. Notices may be sent via email or posted on our sites.
17) Contact Information
Top Notch Consulting LLC
9658 Baltimore Ave Suite 300, College Park, MD 20740