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USER AGREEMENT

Last Updated 11/15/2025*

1. Introduction

This User Agreement governs your use of the 180.loans website, including all features, content, forms, documents, text, data fields, tools, software interfaces, communication features, and any other functions offered through this platform. The website is owned and operated by 180 Technologies LLC, a Pennsylvania limited liability company. Throughout this Agreement, the terms “180 Technologies,” “we,” “us,” and “our” refer to 180 Technologies LLC. The terms “User,” “you,” and “your” refer to any individual or business entity that accesses, views, or interacts with the website in any capacity.

By continuing to use 180.loans, you acknowledge that you have read, understood, and agree to be legally bound by this Agreement. If you do not accept these terms, you may not use the website.

2. Nature of 180 Technologies’ Business

180 Technologies provides technology-based services, including software development, automation systems, workflow tools, business optimization consulting, digital integrations, and technical solutions for commercial and enterprise use. The company assists businesses by providing tools, systems, platforms, data-processing services, and technology consulting designed to improve operational efficiency, streamline processes, and support business growth.

180 Technologies does not provide consumer services, personal-use software, or tools intended for household or purely individual purposes. All services are intended strictly for business, commercial, and organizational use. Nothing on the website should be interpreted as a guarantee of performance, a promise of specific business outcomes, or a commitment to deliver any particular technical result.

3. Eligibility and Authority to Use the Website

Use of this website is permitted only to individuals and business representatives who are at least eighteen (18) years of age and have the legal authority to enter into binding commercial or organizational relationships.

By accessing 180.loans, you represent and warrant that:

  • You are acting on behalf of a business or organization, not for personal or consumer purposes.

  • You are authorized to request services, submit information, and communicate on behalf of that business or organization.

  • The business or organization permits you to provide data, communicate with 180 Technologies, and authorize 180 Technologies to process such data for commercial or operational purposes.

This website is not intended for users located in jurisdictions where its content or function would violate local laws. If you do not meet these requirements, you must not use the website.

4. User Responsibilities and Acknowledgments

By accessing 180.loans, you acknowledge that all content and tools provided are intended solely for general commercial and operational information related to technology services.

You further acknowledge:

  • No information on the website constitutes professional legal, financial, investment, accounting, or tax advice.

  • Technical outcomes depend on several variables, including system compatibility, data quality, internal business processes, third-party platform performance, and other external factors beyond the control of 180 Technologies.

  • 180 Technologies does not guarantee any specific business performance results, system outputs, or operational improvements.

You are solely responsible for evaluating the suitability of any technology solution and for consulting qualified professionals where needed.

5. Submission of Information Through the Website

By submitting information through any form, contact page, intake system, upload field, or communication tool on the website, you represent that all information is accurate, truthful, and submitted voluntarily.

You expressly authorize 180 Technologies to:

  • Contact you by telephone, email, SMS, or other digital means;

  • Review, store, evaluate, and process the information you submit;

  • Use the information for commercial, operational, or consulting purposes related to your inquiry.

You further authorize 180 Technologies to share your information with:

  • Software partners;

  • Integration providers;

  • Technical contractors;

  • Cloud services;

  • API providers;

  • Other commercial technology vendors;

  • Any party necessary to evaluate or fulfill a technical solution, integration, or consulting request.

Once shared with a third-party software or technology provider, your information becomes subject to that party’s own privacy, security, and data-handling policies.

6. Confidentiality Clause

180 Technologies treats information submitted through the website as confidential to the extent necessary to evaluate solutions, respond to inquiries, or conduct the technical review process.

You acknowledge and understand that:

  • Information you submit may be reviewed internally by 180 Technologies personnel;

  • Information may be shared externally with software vendors, integration partners, or technical specialists solely for business and operational purposes;

  • Except for required operational disclosures or legal obligations, 180 Technologies does not disclose User information to unrelated outside parties;

  • 180 Technologies does not sell User information.

Confidentiality obligations associated with any formal business relationship are contained exclusively in the fully executed Service Agreement, Technology Licensing Agreement, or Consulting Agreement, which governs the engagement between the parties.

This website User Agreement does not replace or alter any terms contained in those signed agreements.

7. Commercial Purpose Representation

By using 180.loans, you affirm that all inquiries relate to:

  • Business technology;

  • Commercial operations;

  • Organizational workflow solutions;

  • Enterprise tools;

  • Software, automation, or consulting requests.

You acknowledge that 180 Technologies does not offer or support consumer software, personal-use tools, or services designed for individual household purposes.

8. Compensation, Fees, and Relationship to Written Agreements

You acknowledge that:

  • 180 Technologies may receive compensation from software providers, integration partners, or other technology vendors in connection with commercial solutions or referrals;

  • Any direct payment obligations owed by a User to 180 Technologies are governed solely by a fully executed written agreement between the parties, such as a Technology Services Agreement or Consulting Agreement;

  • This User Agreement does not create any fee obligation, contract liability, or payment requirement.

Upon execution of a formal agreement, the terms in that agreement control and supersede any informal website-based interaction.

9. Prohibited Conduct

You agree not to:

  • Use the website in violation of any law or regulation;

  • Attempt to disrupt website operations or security infrastructure;

  • Introduce malware, harmful code, or unauthorized automated tools;

  • Engage in fraudulent, misleading, or abusive conduct;

  • Copy, modify, distribute, reproduce, or harvest website content without written authorization;

  • Attempt to access non-public areas of the website or its servers.

All information provided must be lawful, accurate, and appropriate for a commercial environment.

10. Intellectual Property Notice

All website content—including text, software code, images, graphics, designs, layouts, tools, workflows, and proprietary materials—is the property of 180 Technologies LLC or its licensors.

No license, right, or permission to use, reproduce, or distribute any intellectual property is granted without written authorization.

11. Email and Communication Consent

By submitting your contact information, you give 180 Technologies express permission to contact you regarding:

  • Your inquiry;

  • Technical assessments;

  • Integration needs;

  • Updates related to your project, request, or account;

  • Other communications relevant to the services of 180 Technologies.

You may opt out of promotional messages at any time. Transactional communications related to active inquiries cannot be opted out of.

12. Disclaimer of Warranties

The website and all associated content are provided “as is” and “as available.”
180 Technologies makes no warranties regarding:

  • Accuracy;

  • Completeness;

  • System compatibility;

  • Security;

  • Performance;

  • Continuous operation;

  • Error-free access;

  • Virus-free or malicious-code-free environments;

  • The outcome of any technology solution.

You assume all risks associated with website use.

13. Limitation of Liability

To the fullest extent permitted by law, 180 Technologies is not liable for any damages, including:

  • Lost profits;

  • Lost data;

  • Technical failures;

  • Inability to implement or integrate software;

  • Business interruption;

  • Economic loss;

  • Indirect, incidental, or consequential damages.

If liability is found despite this limitation, the maximum cumulative liability of 180 Technologies is limited to one hundred dollars ($100).

14. Indemnification

You agree to indemnify and hold harmless 180 Technologies, its members, employees, and affiliates from any claim, damage, liability, loss, or expense arising from:

  • Your use of the website;

  • Your submission of information;

  • Your violation of this Agreement;

  • Your violation of applicable laws.

This obligation survives termination of website use.

15. Termination of Access

180 Technologies may terminate or suspend User access to the website at any time, without notice, for any reason, including suspected misuse or violation of this Agreement.

16. Modification of This Agreement

180 Technologies reserves the right to modify or update this User Agreement at any time. Changes become effective immediately upon posting on 180.loans. Continued use of the website constitutes acceptance of the updated terms.

17. Governing Law

This Agreement is governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Any dispute relating to website use shall be resolved exclusively in Pennsylvania unless arbitration applies.

18. Dispute Resolution and Arbitration

Any dispute arising out of or relating to this Agreement or your use of the website shall be resolved through binding arbitration in Allegheny County, Pennsylvania, administered by the American Arbitration Association.

By using the website, you waive the right to a court trial or jury trial.

Arbitration awards are final and enforceable under applicable law.

19. Entire Agreement

This Agreement constitutes the complete understanding between you and 180 Technologies regarding use of 180.loans. If any provision is deemed unenforceable, the remaining provisions remain in full effect.

© 2026 by 180 Technologies LLC.

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