Effective Date: March 31, 2026
By accessing or using the Malcolm T Sloan PLC website and services ("Services"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our Services.
These Terms constitute a legally binding agreement between you and Malcolm T Sloan PLC ("we," "our," or "us"). We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.
Malcolm T Sloan PLC is a direct business lender. All loan applications are subject to our underwriting criteria and approval process. Submission of a loan application does not guarantee approval or funding.
Specific loan terms—including amount, interest rate, repayment schedule, fees, and other conditions—will be outlined in your individual loan agreement. Each loan is subject to its own separate agreement, which supersedes these general Terms for matters specific to that loan.
You may use our website and Services for lawful business purposes only. You agree not to:
If you create an account or are provided with login credentials, you are responsible for maintaining the confidentiality of your account information. You agree to notify us immediately of any unauthorized access or security breach.
All content on this website—including text, graphics, logos, images, software, and design elements—is the property of Malcolm T Sloan PLC or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.
Consent and Enrollment: By opting in to receive SMS messages from Malcolm T Sloan PLC, you consent to receive recurring marketing and promotional SMS/MMS messages sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency: Message frequency varies based on your interaction with our services. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan. Consult your carrier for details.
Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. Upon sending STOP, you will receive a confirmation of your unsubscription. After opting out, you will no longer receive SMS messages from us unless you re-enroll.
Help and Support: For assistance with SMS messages, reply HELP to any message or contact us at malcolm@malcolmtsloan.com.
Consent Not Required: Consent is NOT a condition of purchase. You may choose not to receive SMS messages and still access all our lending services through other communication channels (email, postal mail, or in-person).
Supported Carriers: Our SMS program works with major U.S. carriers. Message delivery and availability may vary by carrier and location.
Privacy: Your mobile phone number and SMS opt-in data will not be shared with third parties for marketing purposes. Please review our Privacy Policy for complete details on how we handle your information.
Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Services will be uninterrupted, error-free, or free from viruses or other harmful components.
Information on our website is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making financial decisions.
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Access to third-party sites is at your own risk.
To the fullest extent permitted by law, Malcolm T Sloan PLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services, even if we have been advised of the possibility of such damages.
Our total liability for any claims related to the Services shall not exceed the amount you paid to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Malcolm T Sloan PLC and its affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:
These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of law principles.
Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration conducted in Phoenix, Arizona, in accordance with the rules of the American Arbitration Association. The arbitrator's decision shall be final and binding.
You agree to resolve disputes with us on an individual basis and waive any right to participate in a class action lawsuit or class-wide arbitration.
We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms.
Upon termination, your right to use the Services will immediately cease. Provisions of these Terms that by their nature should survive termination (including indemnification, limitation of liability, and dispute resolution) will continue in effect.
These Terms, together with our Privacy Policy and any loan agreements you enter into with us, constitute the entire agreement between you and Malcolm T Sloan PLC regarding the Services.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms without our written consent. We may assign these Terms at any time without notice.
If you have questions about these Terms, please contact us:
Malcolm T Sloan PLC
4105 North 20Th St
Phoenix, AZ 85016
Email: malcolm@malcolmtsloan.com