1. Acceptance of Terms
These Terms and Conditions ("Terms") constitute a legally binding agreement between you and SCM Construction ("Company," "we," "us," or "our"), a direct business lender located at 1213 N Saint James Rd, Pilot Point, TX 76258. By accessing or using our website at scmconstructions.com, submitting an application, or using any of our services, you agree to be bound by these Terms.
If you do not agree to these Terms, please do not use our website or services. We reserve the right to modify these Terms at any time, and such modifications shall be effective immediately upon posting on our website.
2. Our Services
SCM Construction provides direct business lending and financial products to qualifying businesses. Our services include, but are not limited to, working capital loans, revenue-based financing, equipment financing, business lines of credit, and invoice factoring.
All funding decisions are made at the sole discretion of SCM Construction. Submission of an application does not guarantee approval or funding. Terms, rates, and funding amounts vary based on creditworthiness, business performance, and other factors evaluated during the underwriting process.
SCM Construction is not a bank or depository institution. We are a direct business lender operating in accordance with applicable state and federal laws governing commercial lending.
3. Eligibility
To be eligible to use our services and apply for funding, you must:
- Be at least 18 years of age
- Be an authorized representative of the applying business entity
- Have a legally registered and operating business
- Provide accurate and complete information on your application
- Meet the underwriting criteria applicable to the requested funding product
By submitting an application, you represent and warrant that all information provided is accurate, complete, and not misleading. Submission of false information may result in immediate denial and may constitute fraud under applicable law.
4. SMS Messaging Terms
SMS / Text Message Terms
By opting in to receive SMS communications from SCM Construction, you agree to the following terms:
- Program Description: SCM Construction will send you recurring marketing and promotional SMS/MMS messages about our financial products and services, including offers, updates, and business funding information, using an automated telephone dialing system (ATDS).
- Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
- Message and Data Rates: Message and data rates may apply. Check with your mobile carrier for details regarding messaging and data charges.
- Opt-Out Instructions: Reply STOP to any message to cancel your SMS subscription. You will receive a confirmation message confirming your opt-out. No further messages will be sent unless you re-subscribe.
- Help: Reply HELP for assistance, or contact us at steven@scmconstructions.com.
- Not a Condition of Purchase: Consent to receive SMS/MMS messages is NOT a condition of purchase or receipt of any funding product or service from SCM Construction.
Supported Carriers: SMS services are available on most major US carriers. SCM Construction is not liable for delayed or undelivered messages. Carrier message and data rates may apply.
5. Website Use
You agree to use our website only for lawful purposes and in a manner that does not infringe upon the rights of others. You shall not:
- Use the website in any way that violates applicable local, state, or federal laws or regulations
- Transmit any unsolicited or unauthorized advertising or promotional material
- Attempt to gain unauthorized access to any portion of our website or systems
- Use automated tools to scrape, crawl, or otherwise extract data from our website
- Introduce any viruses, malware, or other harmful software
- Impersonate any person or entity or misrepresent your affiliation
6. Intellectual Property
All content on our website — including text, graphics, logos, images, and software — is the property of SCM Construction or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
7. Disclaimers
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. SCM CONSTRUCTION DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. Information on our website is provided for general informational purposes only and does not constitute financial, legal, or investment advice.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SCM CONSTRUCTION SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total liability for any claim arising out of or relating to these Terms or our services shall not exceed the amount paid by you to us in the twelve months preceding the claim.
9. Governing Law and Dispute Resolution
These Terms 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 under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in Denton County, Texas.
You agree to submit to the personal jurisdiction of such courts and waive any objection to the exercise of jurisdiction over you by such courts.
10. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our website or services after any modification constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
11. Contact Us
If you have questions about these Terms and Conditions, please contact us:
SCM Construction
Attn: Legal Inquiries
1213 N Saint James Rd
Pilot Point, TX 76258
Email: steven@scmconstructions.com