Terms of Service

Effective date: November 10, 2026

These Terms of Service govern your use of creditsimplicity.com and the advisory services of Credit Simplicity, a commercial and industrial (C&I) loan brokerage operated by Sean Healey. By using the website or working with us, you agree to these terms.

Contact: Credit Simplicity, PO Box 26252, Santa Ana, CA 92799 · (949) 620-5278 · info@creditsimplicity.com

What we do

Credit Simplicity helps businesses prepare financing materials and seek commercial loans and related financing from banks and other lenders. We are an advisor and broker. We are not a bank or lender, we do not make loans, and we do not decide whether any lender will approve a request.

No guarantee of approval or terms

Any financing is subject to the independent credit approval, policies, and documentation of each lender. We do not guarantee that financing will be offered, approved, funded, or available on any particular amount, rate, fee, or other term. Information on the website is for general discussion only and is not a commitment to lend, an offer of credit, or legal, tax, or accounting advice.

Your responsibilities

You agree to provide information that is accurate and complete to the best of your knowledge, and to update us if material facts change. You are responsible for reviewing lender documents before you sign them. You authorize us to share information you provide with prospective lenders and service providers as needed to evaluate and arrange financing, as described in our Privacy Policy.

Text messages

Credit Simplicity may send conversational and account or loan-status text messages to mobile numbers that borrowers provide on creditsimplicity.com forms or by texting us first. These messages may include replies to questions, requests for information, and updates about an inquiry or financing matter. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. After you opt out, we will no longer send you program messages, though we may still contact you by other means you have provided, and we may send a one-time confirmation of your opt-out. Carriers are not liable for delayed or undelivered messages.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Website use

You may use the website for lawful purposes related to learning about our services or submitting an inquiry or application. You may not misuse the site, attempt to disrupt it, or use it to send unlawful or harmful content.

Calls and recordings

Calls with us may be recorded, and we may create transcripts of those recordings, as described in our Privacy Policy.

Limitation of liability

To the fullest extent permitted by law, Credit Simplicity and Sean Healey are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost business, or lost financing opportunities, arising out of or related to the website or our services. Our total liability for any claim arising out of or related to the website or our services is limited to the greater of the fees you paid us for the services giving rise to the claim or one hundred dollars ($100). Some jurisdictions do not allow certain limitations; in those cases, the limitation applies to the maximum extent permitted.

Indemnity

You agree to indemnify and hold harmless Credit Simplicity and Sean Healey from claims arising out of your misuse of the website, your breach of these terms, or information you provide that is inaccurate or that you were not authorized to share, except to the extent caused by our own misconduct.

Governing law

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules. You agree that courts located in Orange County, California, are the exclusive venue for disputes arising out of these terms or our services, except where applicable law requires otherwise.

Changes

We may update these terms from time to time by posting a revised version on this page. The effective date above shows when they were last revised. If you continue to use the website or our services after an update, you accept the revised terms.

Contact

Questions about these terms can be sent to Sean Healey, Credit Simplicity, PO Box 26252, Santa Ana, CA 92799, info@creditsimplicity.com, or (949) 620-5278.