Terms and Conditions

Effective Date: May 27, 2025

Welcome to Pulse Funds ME. By accessing our website (www.pulsefunds.me), using our tools (such as the loan calculator), or applying for our services, you agree to these Terms and Conditions. Please read them carefully before proceeding.

1. Acceptance of Terms

These Terms govern your access to and use of the website and all services we offer, including loan evaluation, communication with virtual agents, form submission, interaction with digital tools, and any other functionality provided by Pulse Funds ME.

2. Eligibility

Our services are available to:

• Individuals over 18 years of age.

• Legal residents or U.S. citizens with valid documentation.

• Applicants legally capable of entering into financial agreements.

3. Services Offered

Pulse Funds ME specializes in the evaluation and granting of personal loans ranging from $1,000 USD to $2,000,000 USD, with interest rates adjusted according to the term and the client's credit profile.

We also offer:

• An AI virtual agent for contact and preliminary validation.

• An interactive calculator for simulating monthly payments, rates, and insurance inclusion.

• Customer support via email, phone, or AI.

Final loan approval is subject to manual review, document verification, and financial analysis.

4. Estimated Interest Rates

Approximate annual interest rates based on repayment terms:

• 6 months: 14.0%

• 12 months: 12.5%

• 18 months: 12.0%

• 24 months: 12.0%

• 36 months: 12.0%

• 48 months: 11.5%

• 60 months: 11.0%

These rates may vary depending on the client’s risk profile, internal policies, or market conditions.

5. Mandatory Insurance

All loans require the purchase of a one-time backup insurance policy, charged separately and prior to disbursement, in order to protect both parties in cases of non-payment, death, or disability.

6. User Responsibilities

As a user, you agree that:

• The information you provide is true, complete, and verifiable.

• You will use the website legally and ethically.

• You will not impersonate others or falsify documents.

• You will not use the website for fraudulent, illegal, or deceptive activities.

7. Intellectual Property

All website content (texts, logos, tools, code, design, etc.) belongs to Pulse Funds ME or its licensors. You may not copy, distribute, or modify any elements without express authorization.

8. Limitation of Liability

Pulse Funds ME is not responsible for:

• Technical errors, interruptions, or system failures.

• Decisions made by users based on simulations or automatic tool results.

• Delays or rejections in loan evaluations.

• Indirect, special, or consequential losses arising from the use of the website or services.

9. Modifications

We reserve the right to update these Terms at any time. We will notify you of any significant changes through the website or via email.

10. Governing Law

These Terms and Conditions are governed by the laws of the State of Massachusetts, United States. Any disputes will be resolved in state or federal courts within this jurisdiction.

11. Contact

For legal, technical, or service-related inquiries, please contact us:

Email: info@pulsefunds.me
Phone: +1-888-898-9956
Address: Springfield, Massachusetts 01128