TERMS OF SERVICE

01. OVERVIEW

Welcome to Torquefi. These Terms of Service ("Terms") govern your access to and use of our website, mobile application, and the financing services provided by Torquefi ("we," "our," or "us"). By accessing our platform or applying for financing, you agree to be bound by these Terms and our Privacy Policy.

Torquefi is a financial technology company specializing in the financing of high-performance automotive equipment, specifically wheels and tires. We are not a dealership or a manufacturer; we provide the capital and infrastructure to facilitate your performance build.

02. ELIGIBILITY

To be eligible for Torquefi financing services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction).
• Be a legal resident of the United States.
• Provide a valid Social Security Number or Taxpayer Identification Number.
• Possess a valid government-issued photo identification.
• Maintain an active bank account or valid payment method.

03. APPLICATION PROCESS

When you apply for financing through Torquefi, you represent that all information provided is accurate, complete, and current. You authorize Torquefi to perform credit inquiries, including "soft" and "hard" credit pulls, as necessary to evaluate your application and manage your account.

Approval is not guaranteed and is subject to our proprietary underwriting criteria. We reserve the right to deny any application for any reason permitted by law.

04. FINANCING TERMS

Specific loan terms, including the Annual Percentage Rate (APR), total loan amount, and repayment schedule, will be provided in your specific Financing Agreement. By signing your agreement, you agree to all financial obligations detailed therein.

Torquefi may charge fees for late payments, returned checks, or other administrative actions as detailed in your agreement.

05. PAYMENTS & BILLING

Payments are due according to the schedule set forth in your Financing Agreement. We utilize secure payment processors (such as Stripe) to handle transactions. You are responsible for ensuring that your chosen payment method has sufficient funds to cover scheduled installments.

Failure to make timely payments may result in late fees, reporting to credit bureaus, and referral to collections agencies.

06. RETURNS & CANCELLATIONS

All hardware purchases (wheels and tires) are subject to the return policies of the specific supplier or manufacturer. Torquefi does not manufacture or warehouse physical goods.

If a return is authorized by the supplier, your financing balance will be adjusted accordingly. However, you remain responsible for all payments until we receive confirmation of the return and the corresponding refund from the supplier.

07. INTELLECTUAL PROPERTY

All content on the Torquefi platform, including text, graphics, logos, and software, is the property of Torquefi Technology or its licensors and is protected by copyright and other intellectual property laws.

08. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Torquefi shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services or any automotive hardware financed through our platform.

09. DISPUTE RESOLUTION

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in a class action lawsuit or class-wide arbitration.

10. CONTACT INFORMATION

If you have any questions regarding these Terms, please contact us at:
hello@torquefi.com