Terms of Service

Effective Date: March 2026
Welcome to Soho Finance LLC. These Terms and Conditions (“Terms”) govern your access to and use of the Soho Finance LLC website, mobile application, and all related services (collectively, the “Service”) operated by Soho Finance LLC (“Company,” “we,” “us,” or “our”).
By accessing or using our Service, you agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

1. Use of the Service
You may use the Service only if you are legally able to form a binding contract. You agree to use the Service only for lawful purposes and in accordance with these Terms.
You may be required to create an account to access certain features. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

2. Intellectual Property
All content, trademarks, logos, software, and intellectual property appearing in or associated with the Service are owned by or licensed to Soho Finance LLC. You may not reproduce, modify, publish, transmit, distribute, or otherwise use such materials without our prior written consent.

3. User Content
You retain ownership of any content you upload or share through the Service. However, by submitting such content, you grant Soho Finance LLC a worldwide, royalty-free license to use, store, reproduce, and display your content as necessary to operate and improve the Service.

4. Prohibited Activities
You agree not to:

5. Payments and Billing
Some features of the Service may require payment. By submitting payment information, you authorize Soho Finance LLC and its payment processors to charge the applicable fees. All purchases are final and non-refundable, except where required by law.

6. Privacy and Data Use
Our collection and use of personal data is governed by our Privacy Policy. By using the Service, you consent to our data practices, including the use of automation for certain internal functions, as described in our Privacy Policy.

7. Automated and Digital Features
Soho Finance LLC may use automated tools to support functions such as document processing, scheduling, or operational suggestions. These features are designed to assist—not replace—human decision-making and are provided “as-is” without guarantees of accuracy.

8. Termination
We reserve the right to suspend or terminate your access to the Service at our sole discretion, with or without notice, if you violate these Terms or engage in behavior that could harm our users or platform.

9. Disclaimers
The Service is provided “as is” and “as available.” We do not warrant that it will be error-free or uninterrupted. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.

10. Limitation of Liability
In no event shall Soho Finance LLC or its affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the Service.

11. Modifications
We may modify these Terms from time to time. Changes will be effective upon posting. If the changes are material, we will notify you by email or through the Service. Your continued use of the Service after the changes become effective constitutes your acceptance of the revised Terms.

12. Governing Law
These Terms are governed by the laws of the State of Illinois, United States, without regard to conflict of law principles. Any legal action must be brought in the courts located in Illinois.

13. Contact
If you have any questions or concerns about these Terms, please contact us at:
Email: contact@sohofinance.net
Phone: (708) 668-7763
Company Address:
Soho Finance LLC
17201 State St, South Holland,
IL 60473, USA