Terms of Service

Last updated · May 13, 2026

1. Acceptance of terms

By creating an account or using any Bridge Capital AI LLC service (collectively, the “Services”), you agree to these Terms of Service. If you don’t agree, don’t use the Services.

2. Eligibility

You must be at least 18, a legal owner or authorized agent of a U.S. business, and using the Services for legitimate business purposes. Personal-use accounts are not supported.

3. Account responsibilities

  • Provide accurate, current, and complete information.
  • Keep your credentials secure and don’t share them.
  • Notify us promptly if you suspect unauthorized access.
  • You’re responsible for every action taken under your account.

4. Pulse service description

Pulse is a financial-intelligence tool that connects to your business bank account via Plaid in read-only mode, categorizes transactions, surfaces patterns, and delivers weekly insight reports. Pulse does not:

  • Move money in or out of your account
  • Replace your accountant, CPA, or bookkeeper
  • File taxes
  • Provide investment, legal, or tax advice

5. Bridge funding service

Bridge is not a lender. Bridge is an independent sales organization (ISO) and broker that connects business owners with lenders in our partner network. When you apply for funding through Bridge:

  • We collect your application and forward it (with your consent) to one or more lenders.
  • All credit and funding decisions are made by the lender, not by Bridge.
  • Final terms (rate, fees, repayment structure) are set by the lender.
  • Bridge earns a commission from the lender if funding is provided. This is disclosed and does not affect the terms you receive — we represent you, not the lender.

See our Disclosures page for full ISO/broker language and state-specific licensing.

6. Fees and billing

  • Pulse is free for the first 500 business owners for 12 months from activation.
  • After your free year, Pulse continues at $19.99 per month unless you cancel.
  • You may cancel any time from your account or by emailing us. There’s no cancellation fee.
  • Bridge funding services are free to you — lenders pay Bridge when funding is provided.
  • Fees are subject to change with at least 30 days’ written notice for active subscribers.

7. Acceptable use

You agree not to:

  • Submit fraudulent applications or false information.
  • Use the Services for any illegal purpose.
  • Reverse-engineer, scrape, or attempt to circumvent rate limits.
  • Send spam, malware, or harm other users.

8. Intellectual property

Bridge owns all software, designs, logos, content, and documentation we create. You keep ownership of your data. By using the Services, you grant Bridge a limited license to process your data to provide the Services.

9. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. Pulse insights are informational, not financial, legal, or tax advice. Bridge does not guarantee funding approval or specific funding terms. Do not act on Pulse insights alone — consult your accountant, attorney, or financial advisor for decisions specific to your situation.

10. Limitation of liability

To the maximum extent permitted by law, Bridge’s aggregate liability is limited to the fees you paid to Bridge in the 12 months preceding the claim. Bridge is not liable for indirect, consequential, special, or punitive damages.

11. Indemnification

You agree to indemnify Bridge against claims arising from your misuse of the Services, your violation of these Terms, or your violation of applicable law.

12. Dispute resolution

Disputes are resolved through binding arbitration in Tallahassee, Florida, under the American Arbitration Association’s commercial rules. You waive the right to participate in class actions. This section does not prevent you from seeking small-claims relief.

Governing law: State of Florida.

13. Termination

Either party may terminate this agreement any time. Bridge may suspend or terminate accounts that violate these Terms with reasonable notice (or immediately for fraud or security threats).

14. Changes to terms

We may update these Terms. For material changes, we’ll email active users at least 30 days before the change takes effect. Continued use after the effective date constitutes acceptance.

15. Contact

Bridge Capital AI LLC
1400 Village Square Blvd, Tallahassee, FL 32312
submissions@bridgecapital.io