Welcome to Guerra P&C Holdings PLLC. By accessing our website or using our services, you agree to comply with and be bound by the following terms and conditions. Please review these terms carefully. If you do not agree to these terms, you should not use our website or services.
1. Acceptance of Terms
By accessing or using the Guerra P&C Holdings PLLC website (the "Site") or any of our financial services (the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.
2. Services Overview
Guerra P&C Holdings PLLC is a direct business lender providing various financing solutions including working capital loans, equipment financing, revenue-based financing, business expansion funding, invoice factoring, and bridge loans. All financing is subject to credit approval and our underwriting standards.
Not Financial Advice
Information provided on our Site is for general informational purposes only and should not be construed as financial, legal, or tax advice. You should consult with qualified professionals before making financing decisions.
3. Loan Application and Approval
Submitting a loan application does not guarantee approval or create any obligation on our part to provide financing. All loan applications are subject to:
- Credit review and underwriting evaluation
- Verification of information provided
- Assessment of business financial health and viability
- Compliance with applicable lending regulations
We reserve the right to approve, deny, or modify any loan application at our sole discretion.
4. Accuracy of Information
You agree to provide accurate, complete, and current information in all loan applications and communications with us. Providing false or misleading information may result in:
- Immediate denial of your application
- Termination of existing financing relationships
- Legal action to recover damages
- Reporting to appropriate authorities
5. Use of Website
Acceptable Use
You may use our Site only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Site in any way that violates any applicable law or regulation
- Engage in any conduct that restricts or inhibits anyone's use of the Site
- Attempt to gain unauthorized access to any portion of the Site or any systems or networks
- Use any automated system to access the Site in a manner that sends more requests than a human can reasonably produce
- Introduce viruses, malware, or other harmful code
Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of Guerra P&C Holdings PLLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
6. SMS Terms & Conditions
SMS/Text Messaging Program: By opting in to receive text messages from Guerra P&C Holdings PLLC, you expressly consent to receive recurring marketing and promotional SMS/MMS messages sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Program Details
- Consent: Your consent to receive text messages is voluntary and is NOT a condition of purchase or of receiving any services from Guerra P&C Holdings PLLC.
- Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
- Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan. Standard messaging charges from your wireless provider may apply.
- Supported Carriers: Our SMS program is supported by all major U.S. mobile carriers. Message delivery may vary.
Opt-Out and Help
- STOP: To opt out of receiving text messages, reply STOP to any message. You will receive a confirmation that you have been unsubscribed. After opting out, you will no longer receive promotional text messages from us, but we may still send transactional messages related to your account or active loan.
- HELP: For assistance with the SMS program, reply HELP to any message or contact us at roland@guerrapcholdings.com.
SMS Terms Acceptance
By providing your mobile phone number and opting in to our SMS program, you:
- Certify that you are the account holder or have authorization to provide the mobile phone number
- Understand that consent is not required to receive services from Guerra P&C Holdings PLLC
- Agree to receive messages sent via automated telephone dialing system (ATDS)
- Acknowledge that message frequency varies and standard message and data rates may apply
- Understand you can opt out at any time by replying STOP
7. Privacy and Data Protection
Your use of our Site and Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our Site or Services, you consent to our privacy practices as described in the Privacy Policy.
8. Third-Party Links
Our Site may contain links to third-party websites or services that are not owned or controlled by Guerra P&C Holdings PLLC. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.
9. Disclaimer of Warranties
OUR SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We do not warrant that:
- The Site will be uninterrupted, secure, or error-free
- The information on the Site is accurate, complete, or current
- Any defects will be corrected
- The Site or servers are free of viruses or harmful components
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, Guerra P&C Holdings PLLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR GOODWILL ARISING OUT OF OR RELATED TO YOUR USE OF OUR SITE OR SERVICES.
11. Indemnification
You agree to indemnify, defend, and hold harmless Guerra P&C Holdings PLLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:
- Your use of the Site or Services
- Your violation of these Terms & Conditions
- Your violation of any rights of another party
- Any false or misleading information you provide
12. Modification of Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to the Site with a revised "Last Updated" date. Your continued use of the Site or Services after changes are posted constitutes your acceptance of the modified terms.
13. Governing Law and Dispute Resolution
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms shall be resolved through:
- Good faith negotiations between the parties
- If negotiations fail, binding arbitration in Hidalgo County, Texas
- Each party shall bear its own costs and expenses
14. Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
15. Entire Agreement
These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Guerra P&C Holdings PLLC regarding your use of our Site and Services and supersede all prior agreements and understandings.
16. Contact Information
If you have any questions about these Terms & Conditions, please contact us:
Guerra P&C Holdings PLLC
1816 S MCCOLL RD SUITE 5
Edinburg, TX 78539
Email: roland@guerrapcholdings.com
17. Acknowledgment
BY USING OUR SITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS & CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.