Terms & Conditions

Welcome TO Toplevel Financial

Top Level Financial is a trade name and “doing business as” (DBA) of Sunray Click Co (collectively, “Company,” “Top Level Financial,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of TopLevelFinancial.com (the “Website”).

The Website provides educational information and resources regarding business financing, commercial real estate financing, personal/consumer financing topics, and credit education. The Website is intended for visitors in the United States and Canada.

By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Website.

Company Information and Contact

Sunray Click Co d/b/a Top Level Financial
Address: 8567 Coral Way, Suite 453
Miami, FL 33155
Email: info@toplevelfinancial.com

Eligibility

You must be at least 18 years old to use this Website. By using the Website, you represent and warrant that you:

  • Are at least 18 years of age; and
  • Have the legal capacity to enter into these Terms.

Website Purpose: No Professional Advice

All information on the Website is provided for general educational and informational purposes only. Nothing on this Website constitutes:

  • Legal, tax, accounting, or financial advice
  • A fiduciary relationship
  • A recommendation or endorsement of any specific lender, product, or provider

You are solely responsible for evaluating any financial decision and should consult appropriate professionals before acting.

No Lending Commitment; No Guarantees

Top Level Financial is not a bank and does not guarantee:

  • Approval, rates, terms, fees, funding amounts, or timelines
  • That any lender or third party will offer financing
  • That your application or inquiry will meet any specific eligibility requirements

All financing decisions are made by third parties based on their own underwriting, verification, and criteria.

User Responsibilities and Acceptable Use

You agree to use the Website lawfully and responsibly. You agree not to:

  • Provide false, inaccurate, or misleading information
  • Attempt to gain unauthorized access to the Website, servers, or systems
  • Interfere with Website operation, security, or performance
  • Use bots, scraping, crawling, or automated data collection without written permission
  • Upload or transmit malware, spyware, viruses, or harmful code
  • Use the Website to send spam or unsolicited messages
  • Violate any applicable laws or regulations

We may restrict, suspend, or terminate access to the Website if we reasonably believe you have violated these Terms.

Forms, Submissions, and Communications

If you submit information through a form or by emailing us:

  • You represent that you have the right to provide the information submitted
  • You authorize us to use the information to respond to your request and support your inquiry
  • You understand that submission does not create a binding agreement for financing

We may request additional information to clarify your needs or to improve the accuracy of our response.

Intellectual Property

All content on the Website—including text, graphics, branding, logos, page layout, and other materials—is owned by or licensed to the Company and protected by intellectual property laws.

You may view and print Website content for personal, non-commercial use only. You may not copy, reproduce, republish, distribute, modify, create derivative works, or commercially exploit Website content without our prior written permission.

Third-Party Links and Services

The Website may contain links to third-party websites, tools, or services. We do not control and are not responsible for:

  • Third-party content or offerings
  • Third-party privacy practices or security
  • Any loss or damage arising from third-party interactions

Your dealings with third parties are solely between you and the third party.

Privacy Policy

Your use of the Website is also subject to our Privacy Policy, which explains how we collect, use, and share information. By using the Website, you consent to the practices described in the Privacy Policy.

Limitation of Liability

To the maximum extent permitted by law, Top Level Financial and its affiliates, officers, employees, or partners shall not be liable for:

  • Any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website
  • Any errors, inaccuracies, or omissions in the Website content
  • Any loss or damage from your reliance on information obtained through the Website or interactions with third parties

Disclaimer of Warranties

The Website is provided “as is” and “as available.” Top Level Financial makes no warranties of any kind, express or implied, regarding:

  • The accuracy, reliability, or completeness of the Website content
  • The availability, functionality, or security of the Website
  • Any results obtained from using the Website

Indemnification

You agree to defend, indemnify, and hold harmless Top Level Financial, its affiliates, officers, and employees from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

  • Your use of the Website
  • Violation of these Terms
  • Violation of any applicable law or third-party rights

Termination

We may terminate or suspend your access to the Website at any time, without notice, for any reason, including if you violate these Terms. Upon termination, your right to use the Website immediately ends.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, United States, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Florida for any disputes arising from these Terms.

Changes to Terms

We may update these Terms from time to time. When we do, we will update the “Last Updated” date at the top. Your continued use of the Website after changes constitutes acceptance of the updated Terms.

Contact Us

If you have any questions regarding these Terms, contact us.