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Terms of Service

Effective Date: August 2026 Last Updated: August 2026

LendBrief™ is a product and software platform owned and operated by Cien Rios LLC, a Florida limited liability company.

These Terms of Service ("Terms") constitute a legally binding agreement between you and Cien Rios LLC ("Cien Rios," "Company," "we," "us," or "our") governing your access to and use of LendBrief™, LendBrief.com, and related services.

Website: https://lendbrief.com

PLEASE READ THESE TERMS CAREFULLY.

BY CREATING AN ACCOUNT, CLICKING TO ACCEPT THESE TERMS, ACCESSING LENDBRIEF, SUBMITTING INFORMATION THROUGH THE PLATFORM, OR OTHERWISE USING THE SERVICES, YOU REPRESENT THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS.

IF YOU DO NOT AGREE, DO NOT USE LENDBRIEF.

1. LendBrief Platform

1.1 Software Platform

LendBrief is a technology platform designed to support commercial equipment financing and related business-financing workflows.

Features may include:

  • Application intake;
  • Document collection;
  • Document processing;
  • Data extraction;
  • Financial calculations;
  • Workflow automation;
  • Deal-package preparation;
  • Financing-request routing;
  • Lender matching or routing assistance;
  • Electronic documentation;
  • Communication tools;
  • Reporting;
  • Account administration; and
  • Other commercial financing workflow services.

Features may change over time.

1.2 Cien Rios LLC Is the Platform Operator

LendBrief is not a separately incorporated legal entity.

LendBrief™ is a product and brand owned and operated by Cien Rios LLC.

Any agreement entered into with LendBrief under these Terms is an agreement with Cien Rios LLC unless a separate written agreement expressly states otherwise.

2. Not a Lender

2.1 Technology Platform

Unless expressly disclosed otherwise in a separate written agreement, Cien Rios LLC and LendBrief are not:

  • Banks;
  • Credit unions;
  • Balance-sheet lenders; or
  • Providers of guaranteed commercial financing.

LendBrief provides technology and workflow services.

2.2 No Financing Guarantee

LendBrief does not guarantee:

  • Loan approval;
  • Credit approval;
  • Financing availability;
  • Interest rates;
  • Payment terms;
  • Loan amounts;
  • Funding amounts;
  • Closing dates;
  • Lender participation;
  • Equipment approval; or
  • Transaction completion.

2.3 Third-Party Decisions

Final decisions regarding:

  • Creditworthiness;
  • Approval;
  • Denial;
  • Financing amount;
  • Interest rate;
  • Fees;
  • Collateral;
  • Personal guarantees;
  • Documentation;
  • Conditions;
  • Repayment terms; and
  • Funding

are made by the applicable third-party lender or capital provider.

A preliminary result, match, score, calculation, risk indicator, recommendation, or other output generated through LendBrief does not constitute a credit approval or binding financing commitment.

3. No Financial, Legal, Tax, or Investment Advice

Information generated or displayed through LendBrief is provided for commercial workflow and informational purposes.

Nothing on the Platform constitutes legal, tax, accounting, financial-planning, investment, or other professional advice.

Users should consult qualified professionals regarding matters requiring professional advice.

4. Eligibility

To use LendBrief, you must:

  • Be at least 18 years old;
  • Have legal capacity to enter into binding agreements;
  • Provide accurate information; and
  • If acting for an organization, have authority to bind or act on behalf of that organization.

By using LendBrief on behalf of a company or other organization, you represent and warrant that you possess the necessary authority.

5. User Accounts

Certain Platform features require an account.

You agree to:

  • Provide accurate registration information;
  • Keep information current;
  • Protect your credentials;
  • Maintain appropriate account security;
  • Use multi-factor authentication when required;
  • Restrict unauthorized account access; and
  • Notify us promptly of suspected compromise.

You are responsible for activities conducted through your account to the extent permitted by law.

Accounts may not be shared with unauthorized individuals.

6. Applicant and Transaction Information

Users represent and warrant that information submitted through LendBrief is, to the best of their knowledge:

  • Accurate;
  • Complete;
  • Authentic;
  • Current; and
  • Lawfully obtained and submitted.

Users may not knowingly submit:

  • Fabricated financial statements;
  • Altered bank statements;
  • Fraudulent tax returns;
  • Forged identification;
  • False invoices;
  • Misrepresented ownership information; or
  • Other fraudulent documentation.

Cien Rios LLC may suspend processing, restrict an account, preserve relevant records, or take other appropriate action when suspected fraud or misuse is identified.

7. Authority to Submit Third-Party Information

If you submit information concerning another individual or business, you represent and warrant that you possess the authorization or other lawful basis necessary to submit and process that information through LendBrief.

This includes, where applicable:

  • Owners;
  • Guarantors;
  • Applicants;
  • Employees;
  • Vendors;
  • Customers; and
  • Business principals.

You may not use LendBrief to collect or process personal information unlawfully.

8. Financing Request and Lender Routing Authorization

When you direct LendBrief to submit, route, match, or transmit a financing request, you authorize Cien Rios LLC to transmit information associated with that request to the applicable authorized transaction participants.

Recipients may include:

  • Commercial lenders;
  • Banks;
  • Credit unions;
  • Equipment finance companies;
  • Alternative financing providers;
  • Institutional capital providers;
  • Brokers;
  • Dealers;
  • Vendors; and
  • Service providers involved in processing the transaction.

Submitting a financing request does not guarantee that any recipient will evaluate, approve, or fund the transaction.

Additional authorization may be required before certain sensitive information is transmitted.

9. Credit Information

Users may not use LendBrief to obtain, access, distribute, or use consumer credit information without appropriate authorization and a legally permissible purpose.

Where a feature requires credit-related authorization, users must complete all required certifications, disclosures, and authorizations before using that feature.

Cien Rios LLC may restrict access to credit-related functionality when authorization or compliance requirements have not been satisfied.

10. Automated Analysis and Artificial Intelligence

LendBrief may use automated software, rules engines, algorithms, artificial intelligence, machine learning, optical character recognition, or other technologies to process information.

Automated functionality may assist with:

  • Document extraction;
  • Financial calculations;
  • Data categorization;
  • Cash-flow analysis;
  • Risk indicators;
  • Fraud indicators;
  • Application summaries;
  • Workflow recommendations;
  • Deal preparation; and
  • Lender routing.

Automated outputs may contain errors or omissions.

Users are responsible for reviewing material outputs before relying upon or transmitting them.

Unless expressly stated otherwise, automated outputs do not constitute final underwriting decisions, loan approvals, or financing commitments.

11. Subscriptions and Fees

Certain LendBrief features may require payment.

Pricing may be based on:

  • Monthly subscriptions;
  • Annual subscriptions;
  • Usage;
  • Transactions;
  • Financing activity;
  • Enterprise agreements;
  • Custom order forms; or
  • Other pricing arrangements disclosed before purchase.

The applicable price, billing frequency, and material terms will be presented through the Platform or an applicable written agreement.

12. Automatic Renewal

Where a subscription automatically renews, renewal terms will be disclosed at or before purchase.

Unless otherwise stated, recurring subscriptions continue until canceled.

Users may cancel according to the cancellation process provided through their account or applicable agreement.

Cancellation generally prevents future renewal and does not retroactively cancel a completed billing period unless required by law or expressly provided otherwise.

13. Transaction and Platform Fees

Certain transactions may be subject to platform, processing, transaction, referral, administrative, or other agreed fees.

Any applicable fees will be governed by the pricing presented to the applicable customer or by a separate:

  • Order form;
  • Broker agreement;
  • Dealer agreement;
  • Lender agreement;
  • Enterprise agreement; or
  • Other written agreement.

Where another executed agreement conflicts with these Terms regarding pricing, the executed agreement controls with respect to that pricing.

14. Refunds

Except where required by applicable law or expressly provided in an applicable written agreement, fees already earned or incurred are non-refundable.

Cien Rios LLC may issue refunds, credits, or billing adjustments at its discretion where appropriate.

15. Payment Processing

Payments may be processed by authorized third-party payment processors.

Cien Rios LLC may not directly receive or store complete payment-card credentials when payments are handled by an independent payment processor.

Use of a third-party payment service may also be subject to that provider's terms and privacy policy.

16. Intellectual Property

LendBrief and its underlying technology are owned by Cien Rios LLC or its licensors.

This includes, as applicable:

  • Software;
  • Source code;
  • Object code;
  • Algorithms;
  • Workflows;
  • User interfaces;
  • Databases;
  • Documentation;
  • Designs;
  • Logos;
  • Trademarks;
  • Branding;
  • Reports;
  • Templates;
  • Scoring methodologies;
  • Platform architecture; and
  • Other proprietary materials.

Except for the limited rights necessary to use the Platform under these Terms, no intellectual-property rights are transferred to users.

17. Customer Data

As between Cien Rios LLC and the customer, customers retain their applicable ownership rights in data and documents they lawfully submit to LendBrief.

You grant Cien Rios LLC a non-exclusive license to host, store, copy, process, analyze, format, transmit, display, and otherwise use submitted information as reasonably necessary to:

  • Operate LendBrief;
  • Provide requested services;
  • Process financing workflows;
  • Route authorized transactions;
  • Maintain security;
  • Provide support;
  • Comply with law; and
  • Enforce applicable agreements.

This license is limited to legitimate Platform and business purposes.

18. Confidentiality

LendBrief may process confidential business and financial information.

Cien Rios LLC will use reasonable measures designed to protect confidential customer information and will use or disclose such information consistent with these Terms, our Privacy Policy, applicable agreements, and applicable law.

Enterprise customers may be subject to additional confidentiality obligations under separate agreements.

19. Prohibited Conduct

You may not:

  • Use LendBrief for unlawful purposes;
  • Submit fraudulent information;
  • Impersonate another person or organization;
  • Access another user's account without authorization;
  • Attempt to bypass security controls;
  • Probe or exploit Platform vulnerabilities without written authorization;
  • Introduce malicious software;
  • Interfere with Platform operations;
  • Scrape or harvest Platform data without authorization;
  • Reverse engineer the Platform except where applicable law expressly prohibits such restrictions;
  • Attempt to extract proprietary algorithms or scoring logic;
  • Use automated systems to overload the Platform;
  • Sell unauthorized access;
  • White-label or resell LendBrief without authorization;
  • Violate third-party privacy rights;
  • Obtain credit information without permissible purpose; or
  • Use LendBrief in connection with fraudulent or deceptive financing activity.

20. Suspension and Termination

Cien Rios LLC may suspend or terminate access when reasonably necessary because of:

  • Violation of these Terms;
  • Suspected fraud;
  • Security threats;
  • Unauthorized access;
  • Nonpayment;
  • Legal requirements;
  • Misuse of sensitive information; or
  • Material risk to LendBrief or other users.

Where reasonably practicable, we may provide notice and an opportunity to resolve the issue.

Users may discontinue use of LendBrief or cancel eligible subscriptions according to applicable cancellation procedures.

21. Third-Party Services and Lenders

LendBrief may integrate or communicate with independent third parties.

Cien Rios LLC does not control independent lenders, capital providers, banks, brokers, dealers, data providers, or other third parties.

Third parties may maintain separate:

  • Terms;
  • Privacy policies;
  • Underwriting requirements;
  • Eligibility standards;
  • Fees;
  • Security practices; and
  • Business practices.

Cien Rios LLC is not responsible for an independent third party's credit decision, financing terms, performance, availability, or conduct except to the extent responsibility cannot legally be excluded.

22. Electronic Communications

By creating an account or using electronic Platform features, you consent to receive electronic communications relating to your account and transactions, including:

  • Account notices;
  • Security alerts;
  • Transaction communications;
  • Legal notices;
  • Policy updates;
  • Billing notices; and
  • Service communications.

Additional consent may be required for certain electronic signatures, marketing communications, or legally regulated notices.

23. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LENDBRIEF AND THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

CIEN RIOS LLC DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND OTHER WARRANTIES TO THE EXTENT PERMITTED BY LAW.

WE DO NOT WARRANT THAT:

  • LENDBRIEF WILL ALWAYS BE AVAILABLE;
  • THE PLATFORM WILL BE ERROR-FREE;
  • AUTOMATED ANALYSIS WILL ALWAYS BE ACCURATE;
  • EVERY DOCUMENT WILL BE PROCESSED CORRECTLY;
  • EVERY LENDER WILL REVIEW A SUBMISSION;
  • FINANCING WILL BE AVAILABLE; OR
  • ANY TRANSACTION WILL CLOSE OR RECEIVE FUNDING.

Nothing in these Terms excludes warranties that cannot lawfully be excluded.

24. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CIEN RIOS LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO LENDBRIEF.

THIS INCLUDES, WHERE PERMITTED BY LAW, LOSS OF:

  • PROFITS;
  • REVENUE;
  • BUSINESS OPPORTUNITIES;
  • GOODWILL;
  • DATA; OR
  • EXPECTED FINANCING.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CIEN RIOS LLC'S AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF:

  1. THE AMOUNTS PAID BY THE CLAIMING USER TO CIEN RIOS LLC FOR LENDBRIEF DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
  2. ONE HUNDRED U.S. DOLLARS ($100) IF THE USER HAS NOT PAID CIEN RIOS LLC FOR LENDBRIEF.

These limitations do not apply where liability cannot lawfully be limited.

25. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Cien Rios LLC and its members, managers, officers, employees, contractors, and affiliates from third-party claims, liabilities, damages, losses, and reasonable costs arising from:

  • Your unlawful use of LendBrief;
  • Your violation of these Terms;
  • Fraudulent information you submit;
  • Your violation of another party's rights;
  • Your unauthorized submission of personal information; or
  • Your failure to obtain legally required authorization.

Cien Rios LLC reserves the right to control the defense of any matter subject to indemnification.

26. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law applies.

27. Dispute Resolution

Before initiating formal proceedings, the parties agree to attempt in good faith to resolve disputes by providing written notice describing the dispute and requested resolution.

If a dispute cannot be resolved informally, disputes arising from or relating to these Terms or LendBrief may, to the extent enforceable under applicable law, be resolved through binding arbitration administered by the American Arbitration Association ("AAA") under the applicable AAA rules.

Arbitration will be conducted on an individual basis unless applicable law requires otherwise.

To the extent permitted by law, neither party may pursue claims in arbitration as a plaintiff or class member in a purported class, collective, or representative proceeding.

Nothing in this section prevents either party from:

  • Pursuing an eligible matter in small claims court;
  • Seeking emergency or temporary injunctive relief from a court of competent jurisdiction; or
  • Seeking relief relating to unauthorized use or infringement of intellectual property.

If any portion of this dispute-resolution provision is found unenforceable, the remaining enforceable provisions will remain in effect to the extent permitted by law.

28. Changes to These Terms

Cien Rios LLC may update these Terms to reflect changes in:

  • Platform functionality;
  • Business practices;
  • Pricing structures;
  • Security requirements;
  • Applicable law; or
  • Service offerings.

We will update the "Last Updated" date when these Terms change and provide additional notice where required.

Material changes will apply prospectively to the extent required by applicable law.

29. Entire Agreement

These Terms, together with the Privacy Policy and any applicable order form, enterprise agreement, broker agreement, lender agreement, dealer agreement, or other executed agreement, constitute the applicable agreement between the parties regarding LendBrief.

If an executed written agreement conflicts with these Terms, the executed agreement will control to the extent of that conflict.

30. Assignment

You may not assign your rights or obligations under these Terms without prior written consent from Cien Rios LLC.

Cien Rios LLC may assign these Terms in connection with a merger, acquisition, corporate reorganization, financing, sale of assets, or similar transaction, subject to applicable law.

31. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect.

32. No Waiver

Failure by Cien Rios LLC to enforce a provision of these Terms does not waive its right to enforce that provision later.

33. Contact Information

LendBrief™ is owned and operated by:

Cien Rios LLC 17113 Miramar Parkway #1027 Miramar, Florida 33027 United States

Legal: legal@cienrios.com Privacy: privacy@cienrios.com Support: support@cienrios.com

LendBrief Website: https://lendbrief.com

© 2026 Cien Rios LLC. All rights reserved.

LendBrief™ is a product of Cien Rios LLC.