Terms of Service
Last updated: July 9, 2026
These Terms govern your use of the website at guavo.com and any related pages operated by Guavo Inc. (“Guavo,” “we,” “us”). By using the site, you agree to these Terms. If you don’t agree, please stop using the site.
Important: Nothing on this website is an offer of credit or a commitment to fund. Submitting an application starts a review; it does not guarantee approval. Any financing that Guavo actually extends will be governed by a separate signed agreement.
1. Who can use the site
The site is intended for adults age 18 or older, acting on behalf of a US-based business, who have the authority to bind that business to a financing agreement. If you don’t meet all three, please don’t submit an application.
2. What the site is for
The site exists to (a) explain what Guavo does, (b) let prospective customers learn whether Guavo’s financing might fit their business, and (c) accept applications. It is not:
- an offer of credit or capital of any amount
- legal, tax, accounting, or investment advice
- a substitute for consulting a qualified professional about your business’s finances
Any illustrations, calculators, or sample terms shown on the site (including the funding-amount slider and monthly-revenue slider) are for informational purposes only. Your actual eligibility, approved amount, factor rate, remittance percentage, and term will be determined by our underwriting review and stated in the separate financing agreement.
3. Applying for financing
When you submit the application form, you represent that the information you provide is truthful and complete to the best of your knowledge, and that you are authorized to submit the business’s information. We may:
- request additional documentation (bank statements, tax returns, ID)
- verify the information you provide with third parties (credit bureaus, business databases, banks with your consent)
- decline your application in our sole discretion, with or without stating a reason
- approve a smaller amount or different terms than you requested
Signing an application does not create any obligation on Guavo’s part to lend. No financing exists until both parties sign a separate written financing agreement.
4. Communications from Guavo
By submitting the application, you consent to being contacted by Guavo at the email address and phone number you provide, using automated dialers, prerecorded voice messages, and SMS text messages, regarding your application and Guavo’s services. Standard message and data rates may apply. You can opt out of marketing messages at any time by replying “STOP” to any SMS, unsubscribing from any email, or emailing contact@guavo.com. Opting out of marketing does not stop transactional messages about an active application or funded deal.
5. Acceptable use
You agree not to:
- use the site for any unlawful purpose or to submit false information
- attempt to gain unauthorized access to any part of the site or its systems
- scrape, crawl, or copy the site’s content in bulk without written permission
- upload viruses, malware, or code designed to disrupt the site
- impersonate another person or business
- use the site to compete with Guavo (e.g., to collect data for a competing lender)
6. Intellectual property
All content on the site — text, graphics, logos, illustrations, layout — is owned by Guavo or its licensors and is protected by US copyright and trademark law. “Guavo” and the Guavo logo are trademarks of Guavo Inc. You may not copy, reproduce, republish, or create derivative works from the site without our prior written consent, except that you may print a reasonable number of copies of pages for your own personal reference.
7. Third-party services and links
The site uses third-party services (Google Analytics, EmailJS for form submission, Vercel for hosting; see the Privacy Policy for details) and may link to third-party websites. Guavo is not responsible for the content, privacy practices, or availability of third-party sites or services. Your use of any third-party service is governed by that service’s own terms.
8. Disclaimers
THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. GUAVO DISCLAIMS ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY RELIANCE YOU PLACE ON INFORMATION ON THE SITE IS AT YOUR OWN RISK.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GUAVO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE IS LIMITED TO ONE HUNDRED US DOLLARS (US$100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW (e.g., liability for gross negligence or intentional misconduct where prohibited).
10. Indemnification
You agree to indemnify and hold Guavo harmless from any claim arising out of your breach of these Terms, your misuse of the site, or your violation of any law or the rights of a third party.
11. Governing law and dispute resolution
These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or your use of the site will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts.
12. Changes to these Terms
We may update these Terms from time to time. When we do, we’ll update the “Last updated” date at the top. If a change is material, we’ll take reasonable steps to notify you (for example, a notice on the site). Your continued use of the site after an update means you accept the updated Terms.
13. Severability
If any provision of these Terms is held unenforceable, the rest remain in effect, and the unenforceable provision will be replaced by an enforceable provision that comes closest to the intent of the original.
14. Contact
Questions about these Terms: contact@guavo.com.