Terms & Conditions

Last Updated: April 1, 2026

Welcome to RUIFANGINVESTMENT LLC. These Terms & Conditions ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Acceptance of Terms

By accessing our website or applying for financing, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website.

2. Eligibility

Our services are available only to businesses and individuals who:

Are at least 18 years of age
Have the legal authority to enter into binding agreements
Operate a legitimate business registered in the United States
Provide accurate and complete information

3. Services Provided

RUIFANGINVESTMENT LLC is a direct business lender offering various financing solutions including, but not limited to:

Working capital loans
Revenue-based financing
Equipment financing
Business expansion loans
Invoice financing
Bridge financing

All financing is subject to approval and underwriting. Terms, rates, and availability may vary based on creditworthiness, business performance, and other factors.

4. Application Process

When you apply for financing, you agree to:

Provide accurate, current, and complete information
Authorize us to verify information and conduct credit checks
Update information promptly if changes occur
Respond to requests for additional documentation

Submission of an application does not guarantee approval. We reserve the right to approve or deny applications at our sole discretion.

5. SMS Terms & Conditions

If you opt in to receive text messages from RUIFANGINVESTMENT LLC, the following SMS terms apply:

SMS Program Description

By opting in, you consent to receive recurring marketing and promotional SMS/MMS messages from RUIFANGINVESTMENT LLC using an automated telephone dialing system (ATDS). Messages may include offers, updates, product information, service announcements, and other marketing communications about our financial services.

Consent & Opt-In

Express Consent Required: You must actively opt in to receive SMS messages by checking the consent box on our contact form.
NOT a Condition of Purchase: Consent to receive text messages is NOT a condition of purchase or use of our services. You can apply for financing without opting in to text messages.
Voluntary Participation: Participation in our SMS program is completely voluntary.

Message Frequency & Costs

Frequency: Message frequency varies. You may receive up to 4 messages per month.
Data Rates: Message and data rates may apply based on your mobile carrier's plan. Please check with your carrier for details.
Supported Carriers: Our SMS service is available on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others.

Opt-Out Instructions

To stop receiving text messages at any time:

Reply STOP to any message from RUIFANGINVESTMENT LLC
You will receive one final confirmation message confirming your opt-out
You will not receive any further messages unless you opt in again

Help & Support

For assistance with SMS messages:

Reply HELP to any message for assistance
Email us at contact@ruifanginvestment.com
We will respond to support requests during business hours (Monday-Friday, 9 AM - 6 PM EST)

Delivery & Technical Issues

Message delivery is subject to factors beyond our control, including carrier network issues, device compatibility, and signal strength. We are not liable for delayed or undelivered messages. Standard SMS/MMS features may not be available on all devices or carriers.

6. Loan Terms & Repayment

If your application is approved, specific loan terms will be provided in a separate loan agreement. Key provisions include:

Interest Rates: Rates are determined based on risk assessment and market conditions
Repayment Schedule: Payment frequency and amounts will be specified in your agreement
Early Repayment: Some products allow early repayment without penalties; terms vary by product
Default: Failure to make timely payments may result in additional fees, collection actions, and negative credit reporting

7. Website Use

When using our website, you agree to:

Not use the site for any unlawful purpose
Not interfere with or disrupt the site or servers
Not attempt to gain unauthorized access to any portion of the site
Not use automated tools to scrape or extract data without permission

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of RUIFANGINVESTMENT LLC or its licensors 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.

9. Disclaimers & Limitations of Liability

Our website and services are provided "as is" without warranties of any kind, either express or implied. To the fullest extent permitted by law:

We do not guarantee uninterrupted or error-free access to our website
We are not responsible for delays, interruptions, or errors in transmission
We are not liable for any indirect, incidental, special, or consequential damages
Our total liability shall not exceed the amount paid to us, if any

10. Indemnification

You agree to indemnify, defend, and hold harmless RUIFANGINVESTMENT LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of our services or violation of these Terms.

11. Privacy & Data Protection

Your use of our services is also governed by our Privacy Policy. We collect, use, and protect your personal information as described in that policy. By using our services, you consent to our data practices.

12. Third-Party Links

Our website may contain links to third-party websites. We do not endorse or assume responsibility for the content, policies, or practices of any third-party sites. Your interactions with third parties are solely between you and them.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United States and the state in which RUIFANGINVESTMENT LLC is registered, without regard to conflict of law principles. 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.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain 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, together with our Privacy Policy and any loan agreements, constitute the entire agreement between you and RUIFANGINVESTMENT LLC regarding the use of our services and supersede all prior agreements and understandings.

16. Contact Information

If you have questions about these Terms & Conditions, please contact us:

RUIFANGINVESTMENT LLC
Email: contact@ruifanginvestment.com

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.