Terms & Conditions

Last Updated: February 18, 2026

Acceptance of Terms

By accessing or using the CARIBANA INC website and services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

Services

CARIBANA INC provides working capital, business funding, revenue-based financing, and short-term financing services. All services are subject to eligibility requirements and approval. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

User Responsibilities

When using our website and services, you agree to:

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of CARIBANA INC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

Limitation of Liability

To the fullest extent permitted by law, CARIBANA INC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount paid by you, if any, for accessing our services.

Disclaimer

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, secure, or error-free.

SMS Terms & Conditions

By providing your mobile phone number and opting in, you agree to receive SMS text messages from CARIBANA INC, including messages sent using an automatic telephone dialing system, for customer care, informational, account-related, and promotional or marketing purposes. Message frequency may vary based on your interactions with us. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at nichole@caribanafinancial.com. Consent to receive SMS messages is not required as a condition of purchase. We reserve the right to modify or discontinue SMS messaging at any time.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions.

Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website after any changes constitutes acceptance of the revised terms.

Contact Us

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

CARIBANA INC
5250 Grand Ave, Gurnee, IL 60031
nichole@caribanafinancial.com