The fine print, in plain English.

"Client," "You," "Your" — Refers to you, the person accessing this Website and using our services.

"Company," "Ourselves," "We," "Our," "Us" — Refers to Berkman Financial.

"Party," "Parties" — Refers to both the Client and the Company.

We use cookies to improve user experience. By using berkmanfinancial.com, you consent to our use of cookies in accordance with our Privacy Policy.

Unless otherwise stated, Berkman Financial and/or its licensors own the intellectual property rights for all material on this Website. All rights are reserved. You may access this content for your own personal use subject to the restrictions set in these Terms.

You must not:

• Republish, sell, rent, or sub-license Website material.
• Reproduce, duplicate, or copy Website content for commercial purposes.
• Redistribute Website content without permission.

Parts of this Website may allow users to post content or comments. Berkman Financial does not pre-screen or edit comments but reserves the right to remove content that is offensive, unlawful, or in violation of these Terms.

By posting, you warrant that:

• You have the necessary rights to the content.
• Your content does not infringe on any third-party rights.
• Your content does not contain defamatory, unlawful, or offensive material.
• You grant Berkman Financial a non-exclusive license to use, reproduce, and edit your content in connection with our Website and services.

Approved organizations (e.g., government agencies, search engines, news outlets, online directories) may link to our Website without prior written approval, provided the link is not deceptive or misleading. Other organizations may request approval by contacting info@berkmanfinancial.com.

Without prior written consent, you may not create frames around our Website that alter its presentation or appearance.

We are not responsible for content that appears on external websites linking to or from our Website. You agree to indemnify us against any claims related to your website if it links to ours.

Please review our Privacy Policy.

By providing your mobile number and opting in through our Website, application forms, or other methods, you consent to receive SMS text messages from Berkman Financial.

Purpose — Messages may include account updates, application status, funding reminders, and customer support. Marketing messages will only be sent if you separately opt in.

Message frequency — Varies based on your interactions with Berkman Financial.

Charges — Message and data rates may apply.

Opt-out — Reply STOP to cancel at any time. A confirmation message will be sent. You will not receive further texts unless you opt in again.

Help — Reply HELP for support or email info@berkmanfinancial.com.

We reserve the right to request the removal of any link to our Website. We may amend these Terms and Conditions at any time, and your continued use constitutes acceptance of any changes.

To the fullest extent permitted by law, Berkman Financial excludes all warranties and conditions relating to this Website and the use of this Website. Nothing in this disclaimer will:

• Limit or exclude liability for death or personal injury caused by negligence.
• Limit or exclude liability for fraud or fraudulent misrepresentation.
• Limit any liability in ways not permitted under applicable law.

As long as the Website and its services are provided free of charge, Berkman Financial shall not be liable for any loss or damage of any nature.