Terms & Conditions
Last Updated: April 1, 2026
Welcome to Cherwenka Investments. By accessing our website or using our services, you agree to be bound by these Terms & Conditions ("Terms"). Please read them carefully.
1. Acceptance of Terms
By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our services.
2. Services
Cherwenka Investments provides business financing solutions and related financial services. The specific terms of any financing arrangement will be detailed in separate agreements.
3. Eligibility
You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our services. By using our services, you represent and warrant that you meet these requirements.
4. SMS Terms & Conditions
Text Message Marketing Program:
We may send you recurring marketing and promotional SMS/MMS messages using an automated telephone dialing system (ATDS) to the mobile number you provide. These messages may include offers, updates, and information about our financial products and services.
Program Details:
- Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be higher or lower depending on your interaction with our services.
- Cost: Message and data rates may apply. Standard messaging rates from your mobile carrier will be charged to your account.
- Opt-Out: You can opt out at any time by replying STOP to any message. Once you reply STOP, you will receive a confirmation message and no further messages will be sent unless you re-subscribe.
- Help: For assistance, reply HELP to any message or contact us at charles@cherwenkainvestments.com.
Consent:
Consent is NOT a condition of purchase. You can use our services and receive business financing without opting in to receive SMS messages. Your decision to opt in or opt out will not affect your access to our services or the terms of any financing you receive.
Carrier Liability:
Neither Cherwenka Investments nor mobile carriers are liable for delayed or undelivered messages. Message delivery is subject to network availability and other factors beyond our control.
Supported Carriers:
Our SMS program is supported by major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Coverage may vary by location.
5. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Cherwenka Investments or our licensors and is protected by copyright, trademark, and other intellectual property laws.
6. User Conduct
You agree not to:
- Use our services for any unlawful purpose
- Provide false or misleading information
- Interfere with the operation of our website or services
- Attempt to gain unauthorized access to our systems
- Violate any applicable laws or regulations
7. Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.
8. Disclaimers and Limitations of Liability
Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free.
To the fullest extent permitted by law, Cherwenka Investments shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.
9. Indemnification
You agree to indemnify and hold harmless Cherwenka Investments and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.
10. Termination
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the new Terms.
13. Contact Information
If you have any questions about these Terms, please contact us:
Cherwenka Investments
Email: charles@cherwenkainvestments.com