Disclaimer

Important Notice

Swan Street Consulting (“we,” “our,” or “us”) is a business consulting and referral service based in Albany, New York. We are not a lender, broker, underwriter, or financial institution. We do not extend credit, make credit decisions, or provide loans directly to applicants. Instead, we refer prospective clients to our financing partner, Rock Financial, and other third-party financial institutions as appropriate.

By accessing and using this website or engaging with our services, you acknowledge and agree to the following terms and protections:

1. No Lender Relationship

• Swan Street Consulting is not a direct lender and does not originate, underwrite, service, or fund any loans.

• All financing applications, credit decisions, loan approvals, funding amounts, interest rates, and repayment terms are determined solely by Rock Financial or other independent third-party lenders.

• Any representations regarding funding timelines, approval likelihood, or loan amounts are provided for informational purposes only and are not binding guarantees.

2. No Guarantee of Financing

• Applying through Swan Street Consulting does not guarantee financing approval.

• All credit decisions are subject to Rock Financial’s independent underwriting standards, creditworthiness evaluations, and lending criteria.

• We make no warranties or assurances that you will be approved for financing, that funding will occur within a specified timeframe, or that financing will meet your business’s expectations or needs.

3. No Legal, Tax, or Financial Advice

• All information presented on this website, in consultations, or in marketing materials is for general informational purposes only.

• We are not licensed attorneys, accountants, or tax advisors, and nothing provided by Swan Street Consulting should be construed as legal, tax, accounting, or investment advice.

• You should consult your own qualified attorney, CPA, or financial advisor before making business or financial decisions.

4. Information Handling & Privacy

• Swan Street Consulting does not independently collect, store, or process sensitive personal financial information such as bank statements, credit reports, or tax documents.

• All such information is collected and processed by Rock Financial or other third-party financing partners in accordance with their own privacy policies.

• Swan Street Consulting disclaims liability for data breaches, cyber incidents, or misuse of information once transmitted to Rock Financial or any third-party providers.

5. Third-Party Responsibility

• Rock Financial and any other lenders we may refer you to are separate and independent entities.

• Swan Street Consulting is not responsible for the terms, disclosures, lending practices, data security, or business decisions of Rock Financial or any third-party lender.

• Any disputes regarding financing, repayment, fees, or contractual obligations must be addressed directly with Rock Financial or the applicable lender.

6. Limitation of Liability

• To the fullest extent permitted by law, Swan Street Consulting disclaims all liability for any direct, indirect, incidental, consequential, punitive, or special damages arising out of or related to your use of this website, reliance on information provided, or participation in financing referrals.

• This includes, without limitation, damages related to:

  • Application denials or delays.

  • Credit inquiries or credit score impacts.

  • Loss of business opportunities due to financing outcomes.

  • Errors, omissions, or inaccuracies in website content or marketing materials.

7. No Endorsement of Results

• Any testimonials, case studies, or success stories shared on this website or in marketing materials are illustrative only.

• Past results do not guarantee or predict future outcomes. Individual results will vary depending on financial condition, industry, creditworthiness, and lender criteria.

8. Regulatory Compliance

• Swan Street Consulting operates solely as a consulting and referral service in compliance with applicable federal and state laws.

• We do not engage in lending activities that require licensing under federal or New York State banking, lending, or financial regulations.

• Rock Financial and other third-party partners are solely responsible for compliance with applicable lending and financial regulations.

9. Indemnification

By using this site and our services, you agree to indemnify, defend, and hold harmless Swan Street Consulting, its owners, officers, employees, and agents from any and all claims, liabilities, damages, losses, or expenses (including attorneys’ fees) arising from:

• Your reliance on our services or website content.

• Your interactions with Rock Financial or other third-party lenders.

• Any breach of these terms by you.

10. Governing Law

This Disclaimer, along with your use of this website and services, shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. Any disputes shall be resolved in the courts of Albany County, New York.

11. Updates to Disclaimer

Swan Street Consulting reserves the right to update, modify, or amend this Disclaimer at any time without prior notice. Continued use of this website constitutes acceptance of the current version of this Disclaimer.